WillisBack/dataset-financial-user-claim huggingface dataset:
I signed the papers on XX/XX/XXXXto close on my house with the closing disclosure saying my monthly payments would be {$1000.00} starting XX/XX/XXXX. A few days after closing, my online banking with Wells Fargo had a new account added for my mortgage stating my first payment due XX/XX/XXXX would be {$1300.00} with no explanation. I left 1-2 messages over the next two weeks with my mortgage broker, XXXX XXXX, after calling several times trying to get an answer for this increase. Finally on XX/XX/XXXXI spoke with XXXX after calling the main Wells Fargo help line and speaking with an agent there. XXXX asked if I had received his emails or phone messages and I had not received anything back from him. He then offered to get me started with the Wells Fargo customer complaint department. By that afternoon a formal complaint case was opened by Wells Fargo caseworker XXXX XXXX. She has been trying to rework through my mortgage documents but has not provided me a full answer yet with what happened. 

An Escrow Review Statement was emailed to me onXX/XX/XXXXXXXXXX/XX/XXXXfrom Wells Fargo ( statement dated XX/XX/XXXX). This Escrow Review Statement was issued before I had even made my first payment to Wells Fargo. My escrow was showing a negative balance, a projected escrow shortfall, and an even higher monthly mortgage payment of {$1400.00} starting onXX/XX/XXXX. I then looked into my escrow account activity and found that Wells Fargo had payed the taxes to XXXX County and XXXX XXXX XXXX ( school ) after XXXX XXXX XXXX had already paid the identical taxes to XXXX County and XXXX upon closing. The Initial Escrow Account Disclosure Statement I received on XX/XX/XXXX from Wells Fargo projected my escrow would start with {$2000.00} and XXXX with Wells Fargo said it is possible in addition the title company did not turn over the full initial projected escrow amount to start my balance. 

From my realtor, XXXX, and XXXX, I have been told that Wells Fargo did not capture all of the projected property taxes when my mortgage was prepared. The property taxes in XXXX County were missed when calculating my escrow. The " Over 65 '' property tax exemption of the seller was also not removed when calculating taxes for my monthly mortgage payments ( I am XXXX years old ). 

There was also an issue with closing on XX/XX/XXXX with Wells Fargo input into their computers. A discrepancy had come up of about {$900.00} and they were going to try to get a manual override done by a manager there at Wells Fargo. Closing was actually then delayed to XX/XX/XXXXaround XXXX XXXX I am not sure if that should have also changed some interest payments and/or my first payment due date. 

As of XX/XX/XXXXWells Fargo has not provided me a comprehensive explanation for what happened or a resolution. I am extremely concerned that my actual/true monthly mortgage payments are too high to be sustained by my full-time church employee income.
I have been making student loan payments dating back to the late XXXX 's. I retired in XXXX and have requested documentation of my student loan payments made to XXXX XXXX XXXX XXXX dating back to that time. I believe I started loan payments at least in XXXX, after I received my XXXX XXXX from XXXX. XXXX. However, my current loan holder, Mohela will not allow me access to the documentation of these payments without a " specific reason '' - as indicated in an email string ( attached page 2 of 3 dated XXXX ). Since student loans have a time factor ( years in payment ) - I need to know how many years I have been in payment status of these loans. I have been requesting this information from Mohela since XX/XX/XXXXand to date, have only received copies of my student loan payments made to Mohela ( attached documents received on XX/XX/XXXX ) and not XXXX XXXX. Additionally, they have indicated that my student loans have only been in payment to them since XXXX ( see attached page 3 of 3 in the email string dated XXXX ) ). I have been paying on these student loans for decades but can not get Mohela to release these payment records to me. I hope you can help facilitate this.
experian received my request for investigation of XXXX items on my credit report XXXX/XXXX/2016. I received a letter XXXX stating that XXXX items in my request were not going to be investigated, when I called experian today to find out why I got no valid reason. I was told there was a letter sent regarding the results of the full investigation at the same time, I voiced I had not received, I requested another copy of investigation results and was told no, to check '' website '' for new credit report. I have no idea what was addressed and who verified information regarding my investigation as I requested. This violation of my rights under the FCRA needs to stop.
My XXXX credit accounts where closed abruptly without notice I called in spoke to the security team member by the name " XXXX '' He confirmed that all my account where closed He offered to review my account but he would have place me on hold 3-5 mins he came back and told me unfortunately would they would stay closed, he gave me no options The reason given was " not enough credit on credit file and " too much credit extended '' He also said my account activity raised concerns!! 

I feel bullied, I did absolutely nothing wrong. 

why did chase extend credit to me in the first place. 

Why did n't they just decrease the amount of credit given. 

Im just left with nothing, not XXXX of the account where past due I was gon na pay each line in full this friday. 

no balances where gon na be carried over into the following month I have a XXXX income from being re seller on XXXX XXXX helps me better maneuver during a 30 day period I was n't even given the chance to pay the bill The security rep was very nasty and smug.he laughed when I explained that I would fight this unfair treatment he seem not to care that I 'm homeless with XXXX children under XXXX my credit rating will be destroyed due to XXXX closed account with short payment history. 

I moved up to XXXX to be by my sick mother but now I do n't have enough credit to maneuver each month. 

Chase allows XXXX credit line in 24 month period and extended the max too me so why am I being penalized for something when i did nothing but utilize the credit extended. 

Can someone on the executive level please review my account and re-open my account. 
I can submit financials, identity document, etc.
Chase Bank foreclosed on my home located XXXX XXXX, XXXX XXXX, Il XXXX loan # XXXX. The XXXX demolished my home before any foreclosure proceedings and I have been informed that Chase authorized XXXX to demolish my home which violated my rights as a homeowner. Additionally, Chase has failed to properly update XXXX Neighborhood Watch System with the foreclosure dates. Since they have refused to properly update XXXX System, they are preventing me from purchasing a new XXXX financed home because XXXX system states that the Chase loan is still active or open.
I submitted a 1st mortgage loan application online with Caliber Homes on Friday, XX/XX/2016. Prior to submitting the online application I contacted Loan Consultant XXXX XXXX with Caliber Homes at the XXXX XXXX branch. I told XXXX what my request was and she told me to submit my application online and put her name on the application so that it would be forwarded to her. I did not hear back from XXXX, so I called her two business days later, on XX/XX/XXXX, and left a voice mail. XXXX returned my call that evening. She did n't really understand my request and pretty much told me that she did n't think I should proceed with my loan request. Quite frankly she did n't even know what product I was looking for. So I told her what loan product I was considering and that Caliber Homes does offer the loan product, which is an FHA XXXX She then told me that another loan consultant handled these transactions. I told her that I would like him to call me. I never heard from him, or XXXX again. In addition, I NEVER received my early disclosures. I also never received any documentation from the mortgage company if my loan was declined or conditionally approved. The mortgage company never processed my " COMPLETE '' application.
Four times this year, someone has been able to access my credit card account and change my address to get another credit card and 1 time in XXXX that tried to use it to get {$250.00} if the card. Even though I have a freeze on my account, and they are suppose to send a code to my phone to make any changes. 3 times it was for an address in XXXX and 1 time it was for an address in XXXX, XXXX, which I haven't lived in XXXX, XXXX in almost 9 years. I just found out on XX/XX/2018, that someone tried to get another card from my account, even thought I have a fraud alert and I froze my account. Everytime this happens it lowers my credit score. I have a XXXX credit score and I'm trying to buy a house. I don't want to close this account as it will lower my score even more. I have 7 credit cards and this is the only one that keeps getting hacked. I'm thinking now that it is an inside job. No matter how my alerts or freezes I put on this account, even changing the name to my married name, someone is still able to access this account. They have sent me 4 new cards and it hasn't done any good. I WANT THIS TO STOP. I'm going to pay this account off and never use this account again. I shouldn't have to do this.
On XX/XX/2017 at approximately XXXX I contacted Transunion to inform them that I did not recognize several of the hard inquiries on my credit report. 

I had just contacted XXXX with the same information last week or so ; they filed a dispute form to have any incorrect information removed ( normal process ). 

When I contacted Transunion with the same information today ; they informed me that the only way to remove the incorrect data was for me to contact the companies myself, get them to write a statement of deletion ( or something to that effect ), then to forward those statements to Transunion, then for me to write Transunion and tell them in writing to remove the incorrect information ( after they have received the statements of deletion from the companies in question ). 

OR, I could send them a police report filed for identity theft with those companies listed. 

OR, I could wait two years. 

Even though I told them that I did not recognize any of the companies except for my car loan ( XXXX XXXX ), so as far as I am aware, these companies have made hard inquiries into my credit without my authorization. 

I asked each person I spoke with to confirm that we were on a recorded line, and that they understood that they were refusing to remove fraudulent information that they were now aware was made in violation of the law ( running a hard check without my permission ), and each of the three Transunion employees confirmed that that was the case. 

I also asked them if a company ran a credit check without my permission, why would they give me a confirmation of that in writing by mailing me a " statement of deletion ''? 

As well as the question of ; why should I have to spend my time tracking these companies down and pleading with them to send me letters to remove information that I did not authorize to begin with? 

Is n't tracking valid and invalid credit the job of the credit reporting agencies in the first place? They used to follow normal process and file a dispute to send to the companies ; is Transunion hurting for money? Can they no longer afford the staff to run the company? 

I do n't know, but I do know that I do n't have the time to track down companies and ask for letters to have unauthorized information removed that I did n't put there. 

thank you for your time in this.
I reported to the issuer of my XXXX XXXX that there has been a fraudulent or unauthorized charge to my card on several occasions. 
Each time was with instructions to complete a form. I submitted the forms with no reply. 
The only item was yet another charge on my card each month. 
On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX my card was charged {$16.00}. I attempted to contact the company regarding the charge with no response. The company deletes messages after 120 days, so I do not have record of each of the messages as they have deleted them from the website. I received a form to complete and return, which I did sometime in XXXX or XXXX XXXX. I received no response. 
However, my final frustrated request was on XXXX XXXX, XXXX demanding that the fraudulent charges be refunded and that my account be closed. They replied that they will report my non payment to the national credit reporting agency even though I have reported this as fraudulent. When I logged in to their website this evening, I see now they have charged me late payment fee of {$16.00}. Sort of ironic as each of the fraudulent charges were for {$16.00}. I am furious at the inaction of Comenity Bank regarding my account. 

I have no documents to upload other than the statements as I have not received anything from the XXXX XXXX CT.
I do not owe money to anyone. There is no reason for any debt collection service to be calling me. I am on the do not call list. I get multiple calls a day, four or five days a week from some company whose number comes up on my caller id as Portfolio Recovery. The phone rings once or twice, then they hang up. There is no message left. If I answer, they hang up. This has been happening for several months. I have called them back and told them to stop calling me. They insist they need all sorts of personal information from me to take me off their calling list. I have offered to give them the phone number only, but they keep insisting they need other personal information from me. I do not know these people. I owe no outstanding debt to anyone. I refuse to give out my personal information to them, but I want these calls to stop.
TD bank gave us a mortgage commitment in writing days before closing. When the day of closing arrived we were told, no it is not a firm commitment UNLESS you take out a line of credit for XXXX with them, open a checking account with them and close certain credit cards. All of this on the day of closing. We did not have a lawyer with us at closing, just realtor. They held the mortgage hostage basically on the day of closing until we agreed to these terms. We should have walked away but we did not. Our furniture was on struck, utilities were called, our former home was sold.
After receiving notification from my credit montoring service that as XX/XX/18 a collection account was place on my credit report in the amount of {$4000.00} with XXXX XXXX XXXX XXXX XXXX ; opened XX/XX/XXXX ; which is false. I contacted TransUnion by phone and filed a dispute. I also called XXXX XXXX XXXX corporate office to investigate the collection. I spoke to XXXX would stated that there wasn't anything on file or in their system with my name on it, and to call back on the following day and speak to a supervisor that maybe able to assist me. I did so and was told to contact the collection agency listed on my credit report. In XXXX I filed a XXXX XXXX which I had a loan with one of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) ; which was included in my XXXX XXXX. I have not tried to make contact with this company in years. In checking my credit report I also noticed that an inquiry was made on XX/XX/XXXX which again I did not intitate and I never received any other loan from them. XXXX XXXX XXXX XXXX XXXX has never sent me any correspondence or oral communication concerning this matter. Since placing this collection on my credit report not only have I been denied loans, credit, and a mortgage, but has caused my credit score to drop. It has yet to be removed from my credit report at this time.
I reported a credit account, XXXX XXXX, on my credit report to Equifax for identity theft on XXXX XXXX, XXXX. I faxed the identity theft report, my driver 's license and social security card, my statement to remove or block the account from my credit report and a copy of the FCRA. I attached these documents to an email that was sent to me by XXXX. According to the FCRA 605 ( b ) the account should be removed/blocked within 4 days of receipt of the identity theft report. It was not removed in that timing. On XXXX XXXX, XXXX I spoke with XXXX XXXX and she confirmed that all documents including identity theft report was received and advised me the account XXXX XXXX was removed then and it takes 24 hours to update. I checked my credit report again on XXXX XXXX, XXXX and spoke to XXXX again and now he said they did not accept my identity theft report and put it in dispute which I did n't request Equifax to do. I did n't receive any written notification in 4 or 5 days of the identity theft XXXX and XXXX XXXX began to tell me they can deny but fail to explain why or send any letter saying such and that he was the highest level of management and nothing else can be done. I talked to XXXX XXXX once again on XXXX XXXX, XXXX and I was informed by the representative that she was sending to their special Handling team in regards to my identity theft report so the account could be removed. I checked my credit report again on XXXX XXXX, XXXX and it still shows in dispute which I did not request. I called Equifax again and spoke with XXXX XXXX and she did n't want to look at notes what was previously stated and kept stating that she was the highest level of management and refused to look into the matter. I asked for corporate information to contact management that 's over that department she refused to give the information and again stated she is the highest level of management and disconnect the call. I checked my credit report this morning and now they have removed the dispute and put in the comments voluntary repossession. Which everytime you talk to Consumer Affairs about an account my information is being reported negative and incorrect. This has been very frustrating and they have violated FCRA and refuse to go by what is required. This has hurt my credit tremendously because they are falsely reporting information and proper documents have been given. I am at my last attempt to get this resolved and have Equifax to do what is right and stop updating my credit report incorrectly.
On XX/XX/XXXX, I received notice from an employer that I work temporary for from time to time ; pertaining information from XXXX XXXX, MacDowell * Associates , Ltd., XXXX, Georgia, about Garnishment of wages. When at this time, I am not even working for the company. MacDowell & Associates is claiming I owe XXXX XXXX XXXX, for payment after returning a lease, for what I have no idea because I never received a bill from XXXX XXXX XXXX after the lease obligation was fulfilled without any debt owed. The lease was purchased in the State of South Carolina from a XXXX dealer ; it was a 3 year lease from XX/XX/XXXX to XX/XX/XXXX ; in XX/XX/XXXX the vehicle was return, and I thought that was the end of it. After, almost 2 decades ( seventeen years ), MacDowell & Associates is still harassing me at whatever employment opportunity I get. Last year, they filed a complaint with another employer that I had a temporary job with. The continuous harassment and defamation of my character over what they claim is a debt from XX/XX/XXXX is unfair, I contacted them and told them to stop harassing me over this untrue debt. They are quoting the principal amount for {$1400.00} and total amount due {$5300.00}. I never received a bill for anything in XX/XX/XXXXfor XXXX XXXX XXXX saying I owe for anything after the lease was fulfilled. MacDowell * Associates , Ltd. is the company sending the garnishment notice 2 decades later. I have never received a copy of a bill of anything from MacDowell & Associates other than, garnishment notice ; no bill statement, etc. since XX/XX/XXXX, seventeen years ago.
I deposited {$240.00} through the atm to transfer to another account with Wells Fargo. I was showing a positive balance and made the transfer. The next day, I looked and saw that my account was negative because of pending transactions ... I immediately made a {$40.00} deposit. 
Later on the same day, they charge me {$35.00} for the transfer that was made. This is a lie because the bank does not allow you to transfer funds if the funds are not available. This is how they post it : XXXX/XXXX/16 OVERDRAFT FEE FOR A TRANSACTION POSTED ON XXXX {$220.00} ONLINE TRANSFER TO XXXX CHECKING XXXX {$35.00} XXXX/XXXX/16 ONLINE TRANSFER TO XXXX CHECKING XXXX REF # XXXX ON XXXX/XXXX/16 {$220.00} This is a lie. It is impossible to transfer funds you do n't have to another account. Since they post it incorrectly, the fee is not valid and I should not be charge this {$35.00}. They have an obligation to be accurate and it is not okay for the banks to get away with charging fees on excuses.
Copper state financial filed lawsuits against me for debts and amounts I have never owed to them. I have been going back and forth  with them since 2011. The information has been removed from my credit report because they are unable to show proof of my debt. They did however get a default judgement since I was unaware of a court date. The debt is false they just keep sending a paper with my signature that I signed after a debt collector told me if I did n't sign it I would be placed under arrest for theft. This paper was signed a year after the company claimed I owed them money, no original paper work has ever been provided with my name or signature. I was truly afraid I was going to jail and had 4-5 calls a day threaten ing me.
I submitted my insurance docs to the hospital and the the collection agency. I drove down to the hospital many times and each time they told me they do n't have any insurance on file and no attempt was made to file a claim with insurance. I have XXXX and they 100 % cover this bill. 
after one year they can not bill my insurance anymore. THEY NEED TO BILL IT NOW!!!!!
Can you please refer to case  XXXX  the information that was provided does n't make sense and I have not heard anymore from them. They provided documentation that actually supports that I have paid this loan in full and it 's not being reported correctly on my credit report. I stated in the original complaint that I believed my loan to be paid in full per their documentation the original loan amount was {$1600.00} as this place was a rip off when I sat down with the person enrolling I was skeptical because of the price and I was sure that my  2 p ayments was the enrollment fee and the  XXXX  was activity fees. The rest of their records are incorrect as you had to pay prior to each class. They state that my daughter attended all  10  classes and they allege I only paid thru  XXXX . That is ridiculous and untrue no company would allow me to atten d 4  more months thru  XXXX  without making a payment. per their records this is untrue and as you see I mostly paid with cash at the beginning of class prior to the start you could not attend without making a payment when you brought your child. I always paid prior to class. This amount is incorrect.
In XXXX 2013, I co-signed for a car with my husband through Capital One Auto Finance. In XXXX 2013, I was XXXX XXXX from XXXX to XXXX. My husband remained XXXX in XXXX. A divorce was in the process, and it was agreed upon that he would take over car payments. Fast foward to XXXX 2013, he stopped paying the car payments and did n't tell me. I got around to checking my credit report sometime later, and I found out that the car had been charged-off. Capital One never once called me, e-mailed me, or mailed me anything stating that the car payment was even past due. When I found out it was charged off, I called them and questioned why they never contacted me. They could n't give me any answer. After multiple calls and prodding, they claimed they tried to contact me, but that is untrue. I never received a call from a collection 's agency either, so that I could rectify the situation. I was dealt with unfairly and wrongfully, and now I 'm stuck with this on my credit report and they will not remove it, even after I have disputed it. The car is now in my possession currently, and I want to get rid of it and be done.