WillisBack/dataset-financial-user-claim huggingface dataset:
I received a collection notice from ERC XXXX Enhanced Recovery Company ) in XXXX, FL, and it appears that XXXX is billing me {$260.00} for a service I never received. In XXXX 2014, I ordered internet service from XXXX XXXX and they set up an installation appointment. No one ever came out to my residence to install XXXX XXXX internet service. I waited three weeks after the installation appointment thinking they would call me to reschedule ; however, they never called so I called them and XXXX of their sales agents told me they did n't even have service in XXXX XXXX, Texas, and that they would cancel the order. The original sales agent never told me they did n't have service in XXXX XXXX, Texas. Just to summarize, I never received any type of service from XXXX and I have a collection agency called ERC trying to collect a debt.
I CHECKED MY XXXX CREDIT REPORT AND IT SHOWED A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX ) CONTACT PERSON XXXX XXXX ( MANAGER ). XXXX WAS CONTACTED ABOUT THE FRAUD ALSO AND DID NOTHING.
I would like to file a complaint against Fay Servicing out of XXXX, TX. 
My loan transferred to them on XXXX XXXX, 2015 from XXXX XXXX Bank. XXXX XXXX transferred my loan with a lot of unanswered questions. 
I would like to know why my mortgage amount went from XXXX to XXXX, making it impossible to pay? Is that even legal? 
Also I met with some of President Obama 's Representatives from his XXXX Program at XXXX XXXX and XXXX in XXXX. They said that my mortgage was XXXX of the worst written ones they have ever seen. They said I bought my house for XXXX and have paid a quarter of a XXXX dollars for it so far and to make matters even worse, there is a balloon payment, a final payment for the entire amount of the note. How can my last payment be my entire amount of my mortgage? How could I even ever pay that? I 've paid XXXX for 15 years and owe more now than I 've even paid. How is that legal? They said it was purposely written so that I would never own my home. 
They also showed me where XXXX refinanced my loan twice and the XXXX settlements show my student loans being paid TWICE, totalling XXXX that are still on my credit report and never got paid. Where did all that money go? 
Why is it that no one is accountable for this? 
I ca n't get an answer from XXXX and in trying to, they escalated foreclosure against me. 
I have statements upon statements with astronomical fees applied for who knows what, since I have never been able to get an answer from XXXX. 
Fay Servicing says I owe XXXX. I 've already paid XXXX for a house I bought 20 years ago for XXXX. 
I ca n't get any answers from Fay Servicing and in fact they have escalated foreclosure against me. 
I am a single mother, I can not afford to hire an attorney to straighten this out and am very fearful that they are going to steam roll right over me and take my house since they have already started the process. 
I also reached out to the XXXX for help. 
Thank You, XXXX XXXX XXXX
BB & T bank charges ISF fees of {$36.00}, even though at the time of the transaction and available balance is greater than the transaction. They lump up all pending charges with no regard of when the time of the debit transaction continue to charge ISF for each, even though there was a positive balance available to cover the majority of the charges.
Accts # XXXX Due {$30.00}, XXXX Due {$30.00}, XXXX Due {$30.00}, XXXX Due {$30.00} I have received your mailed in Medical Statements including PERSONAL HEALTH RECORDS of this individual. You are in direct violation of HIPPA. PLEASE ALSO ATTACH COPIES OF : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 )  BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH Act ) as issued XXXXXX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
On X/XX/17 I attempted to withdraw {$80.00} cash from a XXXX XXXX ATM machine in XXXX, NY. When the machine did not dispense the cash and the transaction showed as completed, I immediately asked for the store manager for help.
The manager instructed me to call my bank as the issue had been happening for months according to her without any repairs or resolution. I asked why they had n't put a sign up or called for a repair and could not receive an answer. I immediately called my bank, JP Morgan Chase and put in a dispute/claim for this transaction gone wrong. They informed me they would look into it and provided me a temporary credit of {$81.00} including the ATM fee. On XX/XX/XXXX, the credit was reversed and I was recharged for {$81.00}. Once I noticed this, I called Chase to inquire and was told that the ATM vendor records claim that the money was dispensed and so my claim was cancelled. They claimed to me that they were not shown any proof of this or any logs as well. Furthermore the claims agents were not able to provide me with a phone number to try to dispute directly with the XXXX 's ATM vendor. At this point, I do not know how to contact them and get this resolved. I have been robbed of {$81.00} and I can imagine how many others have been as well. The fact that this ATM charges a nominal fee also means that many low-income people who live nearby or frequent the chain store are being robbed is alarming. I request the help of CFPB and hope there can be positive resolution not just for me but for the others that may not have been helped. This may also be a scam location that noone is aware of.
I am writing abo ut Navient (   XXXX   XXXX   ) . I cosigned  XXXX  loans - the first in  XXXX   XXXX  and the second in  XXXX   XXXX . The first had an interest rate of 12.25 % and the second had a rate of about 10.5 %. The total principal borrowed is {$16000.00}.   Based on the payment plan given by Navient, the first loan was supposed to be paid off in  XXXX   XXXX . To date I have paid over {$12000.00} yet Navient says we owe {$16000.00}!!!! This does not seem right. Where are all the payments going? After all these year the loan balance is even higher!! How?   The loan history report does not show the remaining balances after each payment
On XX/XX/2018 I contacted XXXX XXXX for prices on some of their products. I explained I was just gathering information that day, and didn't want to order anything. The XXXX representative obtained a hard inquiry of my credit report without my knowledge. I called when I realized they had done that, because it stays on my report for 2 years, and they had no reason to do that, it should have been a soft inquiry if at all, because I wasn't ordering a service. The manager I spoke to advised they would have it removed. It is still on my credit report through Equifax. I want that inquiry removed from my Equifax credit report, as it was accessed without my knowledge.
I am XXXX my identity was stolen Citi Bank refuses to close those accounts .... they are constantly calling and reporting on my credit and other peoples credit its fraud the police report was submitted
To '' ATTENTION CHASE CREDIT CARD MANAGEMENT OFFICER_ FRAUD ACCOUNT NUMBER ENDING.. XXXX as of XX/XX/XXXXat a previous residence in the state of GA. WHEN I WAS IN BRANCH ON XX/XX/XXXX ; I WAS ADVISED DURING THE OPENING OF A PERSONAL BANK ACCOUNT WITH CHASE THAT I HAD A PROFILE WITH THIS " SLATE '' CC WHICH WAS WRITTEN OFF IN THE YEARS BTW. XX/XX/XXXX/XX/XX/XXXX? UNCERTAINLY I HAVE NO KNOWLEDGE OF THIS ACCOUNT AS REPORTED TO XXXX ON XX/XX/XXXX. I HAVE BEEN ASKED TO WAIT AT LEAST 90 DAYS FOR COMPLETE REINVESTIGATION. IN THE MEANWHILE, I HAVE NOT RECEIVED THE LETTER DOCUMENT OF STATEMENT ABOUT THIS AT MY CURRENT ADDRESS ON RECORD ''. 
CONSEQUENTLY, I WAS DENIED A FREEDOM CHASE CC BECAUSE CHASE IS LISTING A VERY LOW CREDITSCORE W/ ENROLLMENT AS I HAD LABOROURED TO ACCOMPLISH A CLEAN SLATE THAT IS NOT REFLECTED HERE WITH THESE ACTIVITIES ''. 
" ADDITIONALLY, I HAVE BEEN ADVISED THAT MY NEW ACCOUNTS ARE UNDERGOING CLOSURE AFTER OPENING ''. CAN YOU LOOK AT THIS MATTER INFLUENCING MY FINANCIAL BANKING RIGHTS TO MANAGE MY MONEY WITH A BANKING INSTITUTION, NAMELY CHASE BANK, J.P. MORGAN ''. 
FRAUD COMPLAINT TO CORPORATE MANAGEMENT, CHASE BANK :. " MY DEBIT VISA CARD ... .HAS BEEN CLOSED TO TELEPHONE BANKING. IT IS LINKED TO MY PERSONAL ACCOUNTS. I WAS ADVISED THAT ALL ACCOUNTS AND DEBIT VISA CARDS CLOSED AFTER UNDERGOING REVIEW '' ..IS THERE ANYTHING THAT CAN BE DONE ON MY PART. I PREFER TO KEEP THIS ACCOUNT ACTIVE. '' " Consequentially I was declined a new " CHASE FREEDOM '' CREDIT CARD UPON A XX/XX/XXXX APPLICATION BECAUSE OF PREVIOUS AND CURRENT CREDIT SCORE and other factors ... .. '' I have needs to utilize my account with debit card. I was advised by telephone lost agent that my account was closed after undergoing a review. I am not in receipt of any such alerts or mailed document. 
I am not understanding if both the checkings ending..and savings account ending ... ..? What about my online access to this messaging feature, would I be able to continue online access? The card ending in ... is linked to these accounts and is it the card that needs replacement?
I recently opened my credit report and discovered unknown accounts ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; PORTFOLIO RECOV ASSOC XXXX. I am a identity thief victim. The following accounts are not my accounts. I've also included my identity theft affidavit of which I've sent a copy to my local sheriff department for further investigation.
On or around XXXX XXXX, I received an e-mail alert from XXXX stating that American Express reported my credit card account ( Account # XXXX ) as being delinquent or late for 30 days for the month of XXXX, which is inaccurate on account of the fact that I pay my the minimum amount due by the XXXX of each month ( the billing due date ) and I would normally get an e-mail reminder from American Express stating that I have a new bill for my account prior to the XXXX. I immediately contacted XXXX XXXX XXXX at XXXX on XXXX XXXX to dispute the incorrect status on my report from American Express. On or around XXXX XXXX, I received an e-mail alert from XXXX stating that my dispute results were ready ; however, I noticed that American Express has not taken the proper steps to update my credit report and provide the correct status of my account from Late to Current. I then contacted the Credit Bureau Team at American Express on XXXX XXXX, XXXX at XXXX around XXXX XXXX and I was able to talk to two representatives on two separate occasions ( XXXX and XXXX ) who informed me that there was nothing that they could do regarding updating the status on my credit report despite the fact that I was informed by an American Express Customer Service Representative on XXXX XXXX at XXXX that I needed to contact the Credit Bureau Team to have my report updated. The American Express Credit Bureau Team representatives I spoke to on XXXX XXXX referred me back to the Customer Service Department at XXXX so they could be able to assist me with updating my credit report. Around XXXX XXXX, on XXXX XXXX, I contacted the Customer Service Department at XXXX and spoke to XXXX or XXXX who told me that I needed to call the American Express Credit Bureau Team to have the issue resolved despite my best efforts to explain that the Credit Bureau Team referred me to the Customer Service Department on two occasions. The bottom line is that I had been given the extensive runaround and no one from both departments could not resolve the issue. I have attached copies of my billing statements for XXXX, XXXX and XXXX and the billing statements clearly reflect that I pay my bill either before or on the due date, which is the XXXX of each month.
My vehicle was financed through Chase Auto Finance and when the contract ended, I received my final statement that indicated I owed {$2300.00}. This was my last scheduled payment and the payment coupon stated that the due date was XXXX XXXX, XXXX. However, I received a letter that was dated XXXX XXXX, XXXX from Chase stating that I owed a balance of {$5300.00}. The letter stated that if I called Chase would be willing to settle the account. I called and spoke to a collection representative, explaining that I did not owe {$5300.00}. In addition, I informed the representative that I received my last payment coupon and it stated that I owed {$2300.00}. The representative was not willing to listen and said I had to pay the balance that was in the letter. I informed the representative that I was only going to pay what my payment coupon stated. On XXXX XXXX, XXXX, I made a payment of {$1000.00} and on XXXX XXXX, XXXX I made a payment of {$300.00}. I only owe Chase Auto Finance {$1000.00}. On XXXX XXXX, XXXX, I received a phone call from the National Recovery Department of Chase Auto Finance. The representative was very aggressive and curt while stating that Chase has been waiting for me to pay them the money I owe. I explained the entire situation to the representative and stated that I only owe {$1000.00} and nothing more. I also informed the representative that I had hired a credit attorney and the representative became sarcastic and said they have never heard from an attorney if I have one. The representative wanted my attorney 's number and I informed the representative the my attorney would contact him.Upon hearing my response, the representative became combative and began to harass me, which is illegal. I then disconnected the call. Chase Auto Finance has poor customer service and very rude and disrespectful collection representatives. Chase was recently involved in a class action suit based on harassment and Chase lost. Furthermore, I was included in the lawsuit and received a check from Chase Auto Finance for its wrong doing. I am very upset by this entire ordeal because Chase Auto Finance is negatively affecting my credit report with its false debt amount. I want this false debt amount removed from all of the credit bureaus.
I disputed an incorrect collection/delinquent account from XXXX XXXX, Acct. No. XXXX. I have letter ATTACHED FROM XXXX STATING IT FILED AMENDMENTS WITH ALL MAJOR CREDIT REPORTING AGENCIES TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT. I have attached that letter to this complaint. Equifax did not remove the item from my credit report. Equifax did not provide any documents supporting its refusal to delete, as I requested and as required by the FCRA, it just said the item was 'verified ' without any supporting documentation. I request you to resolve this issue with Equifax to remove the item from my credit report, as instructed by the creditor in writing on the attached letter. Thank you. Please notify me of any action taken, XXXX XXXX, XXXXXXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Thank you.
PHH is the servicing company for XXXX, which holds the mortgage.I tackled with PHH in XXXX 2017 about paying my property taxes early, due to the new tax laws. They advised me to do so and then send them separate receipts for each quarter  paid (I paid two quarters) via fax and then to follow up by phone two days later. They also advised that 10-days after my call they would be able to review my escrow account and return any overpayments to me.I followed the above procedures and asked for an escrow review. PHH advised me that two-days after my call they mistakingly sent payment to the XXXX XXXX XXXX for quarterly taxes and that I would have to wait for the money to be returned before they would review my escrow and return funds.The net is, they have asked me to fund their mistake and have been completely unresponsive, either not calling back for days or simply putting me off. I have gotten nowhere with them and would appreciate your intervention so that they immediately return the funds with interest credited from the day they removed them and, accordingly, review my escrow and return the overage.Thank you for your assistance.
On my credit report there is a fraudulent address XXXX XXXX XXXX ) being reported. I have tried multiple times with multiple phone calls and letters along with proof of identity to remove this address but it still remains on my Equifax Credit Report. 

There should only be XXXX XXXX address on my credit report and EQUIFAX has refused to update my personal information correctly.
XX/XX/2018 I closed on a Home Equity Line of Credit with XXXX XXXX XXXX XXXX, the title company was XXXX XXXXXXXX XXXX XXXX XXXX. I received a paper check from XXXX XXXXXXXX XXXX XXXX XXXX to pay the balance of my XXXX XXXX XXXX credit card, which I took to the XXXXXXXX XXXX XXXX XXXXXXXX location on XX/XX/2018. When I went to make a payment to XXXXXXXX XXXX  XXXX On XX/XX/2018 my balance was way higher than I originally thought. After reviewing the XX/XX/2018 statement, I saw on XX/XX/18 an Adjustment - Payments of {$1100.00}. I immediately contacted XXXX XXXX XXXXXXXX XXXX, and was informed that my bank reversed the XX/XX/2018 payment. I immediately contacted XXXX XXXX XXXX XXXX and after a review was connected to XXXX XXXX. After her review, she confirmed that a check from my HELOC of {$1100.00} was distributed through XXXX XXXX 's office. I than called XXXX XXXX 's office and spoke to Ms. XXXX XXXX - XXXX, I explained what had happened with my account.She told that in XX/XX/2018 XXXX XXXX XXXX drafted their account twice, and that after many inquires and an investigation, that in XX/XX/2018 a reversal was granted and was told to resolve it myself. I told her I was upset that no one contacted me regarding the problem in XXXX or any other month. I called XXXX XXXX XXXXXXXX XXXX location and explained what happened to coach XXXX XXXX. After her review, I was informed that the XX/XX/2018 check was deposited electronically, and deposited, she than told me she would speak to the XXXX XXXX XXXX/XXXX XXXX XXXX. I than contacted XXXX ( XXXX ) explained what I was told by the XXXXXXXX XXXX  XXXX representative ( XXXX XXXX ), XXXX offered to send a copy of my settlement statement ( which she did ), and stated she would check with her manager on a course of action. When I called XXXX back she stated her manager said it was not their problem and to contact XXXXXXXX XXXX XXXXXXXX. I than called XXXX XXXX XXXXXXXX XXXX again and was told to contact the bank that issued/reversed the check. I than had to contact Ms. XXXX - XXXX ( XXXX XXXX ) since their bank issued the check. Ms. XXXX - XXXX stated the problem was what I had told XXXX the previous day, and that I needed to resolve it with XXXX XXXX XXXX. I then called to speak to XXXX ( XXXXXXXX XXXX XXXXXXXX location ) than went to XXXX XXXX XXXX  XXXX location to request help once more. I emailed the copies of the two checks, and was told she would contact the liaison. I than contacted Ms. XXXX XXXX - XXXX for a copy of the reversal, and was told it wasn't available because it part of a dispute. As of today the reversal was an electronic transaction between XXXX XXXX and the ACH.
We have submitted 2 loss mitagation hardship packets to Freedom Mortgage. Both packets were rejected, due to missing documents. We have submitted the documents that were advised were missing in the initial submission, both times, and also resubmitted the documents a second time and was still rejected due to these documents not be received/processed or even lost by the mortgage company. The first loss mitigation packet was submitted in XX/XX/XXXX, and the reported missing documents were sent within a week of receiving the letter on XX/XX/2018. And with the 2nd packet submitted, we received a letter on XX/XX/2018 that also said there were missing documents. We submitted these again by the XX/XX/XXXX. I also spoke to a XXXX on XX/XX/18 and she said the documents were received and submitted for processing. I believe that the mortgage company is not accepting my wifes paycheck stubs on both occasions. We have made several attempts and phone calls to Freedom Mortgage and they have continued to reject our loss mitigation application.
I applied for mortgage assistance in XX/XX/2016. At that time I sent in all the documentation and since then have been waiting for a reply. On XX/XX/XXXX I received a notice of intent to accelerate my loan even though I was current. The bank has misapplied funds in more than one case and keeps on calling me late. 

It is very difficult to pay my mortgage. The bank has now given me bad credit by misapplying my payments and accelerating my mortgage.
XXXX sold my information to a debt solutions company. I was contacted by strategic financial solutions and they had my credit report score and details about my finances. This is a violation of my privacy and I never gave them permission to sell my information. Please cease from using my personal information as I feel like this is identity theft. Ask strategic solutions phone number XXXX to Never contact me again. If my information is stolen or used I will file suit.
Starting on Monday, XX/XX/XXXX until Today, I have called 8 times to their toll free number XXXX to get a payoff quote to pay the loan off. Each time I waited for 5 minutes on hold, then was told to leave a message and I would get a return call. Each time I left a message and my cell phone number. I finally got a call back late Tuesday XX/XX/XXXX and was provided a payoff for XX/XX/2018. They would not process a payoff sooner, charging me interest for 3 additional days. The interest rate on this loan is 149 %. Please note, although I provided my bank account information for a payoff on Friday, XX/XX/1018 I am NOT sure this will go thru. There was also an attempt and/or questions as to why I am paying off this loan early as they were trying to talk me out of it.
A collection company has placed a collection account on my credit file which the original creditor is XXXX I have not done business with XXXX in a long time 8-10 years ago. There is no way this is accurate please help