WillisBack/dataset-financial-user-claim huggingface dataset:
I closed my XXXX {$19.00} home DSL account XXXX/XXXX/2015. Two weeks later I am receiving collection calls from this agency for a debt I do not owe of $ XXXX on my former XXXX account , before I even received my final bill from XXXX . I contacted XXXX, they claim no knowledge of this company or turning me over for collections, & claim to be sending me a revised final bill for a lesser amount which I have yet to receive. This debt collector has been instructed to STOP calling me yet continues to do so for a debt that is not mine, that is in error, & that is been denied by XXXX.
I was applying for a Laon modification thru XXXX, and the mortgage company told us that the propety was on foreclosure sell since XXXX/XXXX/2016. Which I was not notify about the action Being taken. I was not notified
Filed a dispute with Equifax had some accounts deleted off my credit due to the fact that do n't belong to me ... These accounts have since been added back.. Never received a letter informing me if adding these accounts back. This is illegal please assist me in this matter.
On XX/XX/XXXX representing XXXX XXXX XXXX, Schlee & Stillman LLC, sued me in state court for an alleged credit card account that I have never seen before.
The debt was disputed from the beginning. Neither XXXX XXXX XXXX nor Schlee & Stillman LLC could not validate and verified the debt.
In court they filed an affidavit that was prepared and signed onXX/XX/XXXX. The affidavit calls me a " defendant '' 1 year and 3 months before I was sued. This type of affidavit ( bogus ) was penalized by the OCC. XXXX XXXX XXXX and XXXX XXXX XXXX paid XXXX XXXX after a Consent Order AA-EC-2015-1 and AA-EC-2015-2 dated XX/XX/XXXX.
According to this Consent Order, XXXX has violated few months later by doing exactly the same thing they promised not to repeat.
The plaintiff has not filed any contract or terms and conditions with the case.
I placed an order with Classique Homes Furniture ( Phone XXXX ) for furniture ( fireplace and china cabinet ) with my Chase Bank account XXXX, Check # XXXX. Chase Bank is not assisting me with getting a refund for a check fraudulent cashed. I need EVIDENCE of the person who cashed the check, not the signature on the back of the check. In other words, what ID was used, and how does it verify the payee? It has been months, and Chase has not provided those records, as it is evident that Chase has no record of who cashed the check. They have been completely negligent, and refusing to cooperate. Chase refused to reverse the transaction despite my complaints and refund my money in the amount of {$2800.00}. The check was not written to the correct party, and was not cashed by the correct party. This is double fraud. 

Chase states that the person who cashed the check is XXXX XXXX only because that is the name on the check. However, they have not proven that it was the person, as there is no identifying documents substantiating this. Even if I wanted to pursue legal action, Chase 's negligence in identifying the payee has prevented that resolution. Chase needs to prove who cashed the check, because the signature is unclear. What Chase need to provide is the AUTHENTIC identity, including identifying documentation that shows who cashed the check. It is Chase Bank 's fault for not identifying the person who cashed my check.
To who It may Concern I am very Disturb on how this Credit Reporting Agency CHEXSYSTEMS Conducts Business. I requested my Credit Report I received it and things i did n't understand, the things that was on there i disputed them it was Inquires and Wrong Addresses submitted by XXXX and XXXX both which are Credit Reporting Agency 's also. So Chexysystems is submitting things that never was reported to them. So I want to know the method they use to verify accounts and inquires how did they Obtain my Social Security Number and my Address and my name. how are they able to prove to me that something is Verified if you getting information from two other sources, He say she say, Conflict of Interest, and i willing to take them to Federal Court because they are clearly Violating all of page 37 Section 609 of the Fair credit reporting Act
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Bank of America ( BOA ) of a fraudulent application submitted with his information without his consent for an account ( acct # XXXX ). The current balance of that account is unknown but the account has a limit of {$800000.00} dollars. A formal dispute of this account was mailed certified with return receipt to Bank of America fraud department XX/XX/2018. A reply was received by this office concerning " an attempt to add a POA to the account. '' That was not the intent and it stood to verify BOA did not read or review the dispute information that was provided. A second official dispute was mailed certified with return receipt to BOA XX/XX/2018 and as of this date BOA has failed to reply or update the status of their investigation as is their obligation under FCRA. This action is a violation of my client 's federal consumer rights.
I rented a car from XXXX on XX/XX/XXXX. After I drove the car to work I noticed the car had a mechanical issue with the gas pedal. Long story short XXXX promised me several times a follow up call from the regional XXXX to discuss my issues and they never called me so I went ahead and opened a dispute with Chase. 

I submitted my statement to chase and they immediately closed my dispute less than a week after it was opened because I did not cancel the transaction. XXXX XXXX, a supervisor in the disputes department used a restaurant as an analogy Well if you eat your whole meal then you cant get a refund Im sorry, but in my case I was physically unable to return the car or cancel the transaction because of the mechanical issue with the gas pedal. I had to drive side streets home because enterprise never told me about their mechanical issues hotline even after I called them several times about the issue. 

I am so disappointed with chase, Im pretty sure they illegally closed my dispute. The representative who called me from the XXXX, along with XXXX XXXX the supervisor both seemed highly untrained and unfamiliar with visa rules and practices. Neither would let me speak with a real XXXX.
On XX/XX/XXXX I purchased XXXX XXXX uniforms online for {$290.00}. I called XXXX on XXXX and spoke with Customer Service Representative XXXX at XXXX XXXX  for approximately 4 minutes. I called for assistance regarding the multiple pending charges from XXXX XXXX on my checking account ( {$210.00}, {$81.00} and {$290.00}. XXXX ). The charge for {$81.00} had been refunded and I wanted and needed access to the {$210.00}. I was told that it should fall off in a day or two, but I could email customer service my bank statement showing the pending transactions. I emailed customer at XXXX XXXX  on XX/XX/XXXX. I received a reply email from XXXX XXXX informing me that I'd have to wait 1 to 5 days depending on my bank. I spoke with a USAA bank representative via chat on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ), stating that I have to wait for the transaction to post and dispute or wait for the merchant to clear it and the pending transaction falls off. It's been a week or 5 business days since my funds have been withheld from me and I'd like USAA to clear the pending transaction.
I purchased a new construction home and utilized the builder 's preferred lender XXXX XXXX XXXX. The day before closing, I questioned the amount being escrowed for taxes as well as the amount due at closing for prepaid taxes. The company loan officer revised the estimate of annual taxes and the monthly amount escrowed based on the calculation provided by the builder 's closing attorney for new construction in XXXX County, Georgia. This revision resulted in a {$550.00} decrease in the estimated annual taxes and lowered the monthly payment by {$46.00}. However, 7 months of prepaid taxes were required at closing. 

On the CFPB website, it states that " Before your loan closes, the lender will estimate the total annual expenses that need to be paid from the escrow account. You can be required to pay a part of the estimated annual total in advance, but no more than a maximum of one-sixth of the total ( this gives you a two-month cushion ). On top of the cushion, every month, your servicer can require you to pay one-twelfth of the total annual escrow payments the servicer reasonably anticipates paying out of the escrow account. 

I escrow my taxes and insurance. I paid a full year of my homeowner 's insurance at closing and 7 months prepaid taxes. My insurance is {$570.00} annually. My taxes are {$4100.00}. The amount escrowed each month is {$390.00} or {$4700.00} annually which is the total of my taxes and insurance. 

The law limits lender 's to receiving no more than 1/6 or 2 months of a cushion for escrowed expenses. I paid an entire year of my homeowner 's insurance in advance and the lender collected 7 months of prepaid taxes at closing. The lender received a 12 month cushion for my insurance and a 7 month cushion for my taxes. The loan closed XX/XX/XXXX and taxes are not paid until XX/XX/XXXX. 

I have requested of the lender to return 5 months of my prepaid taxes, but they would not and stated that " this is how we closed all the loans with this builder ''.
I received a notice on XXXX/XXXX/2016 from U.S Government proposed wage garnishment - I called the # XXXX on the letter and spoke with a XXXX XXXX on XXXX she advised me I owe XXXX and they are garnishing my pay if I do n't respond by XXXX/XXXX/2016 - I sent a letter for a hearing certified mail as to which I have the receipt proof of this date, 7 days later they sent a garmnishment letter to my employer XXXX XXXX I received no chance for a hearing nor did they provide me with proof this loan and amounts are valid, today is XXXX XXXX, 2016 and still no hearing, I am writing to you because I believe this " collection agaency " is committing fraudulent acts and has garnished my pay which is causing a severe hardship on my family since I am the sole income earner. Please help.
On XX/XX/XXXX my XXXX account was hacked and someone fraudulently ordered roughly {$8600.00} in tickets. They charged {$4900.00} to my XXXX Card and charged another {$3600.00} to a " XXXX XXXX '' account that was opened up without my knowledge. On XX/XX/XXXX I was able to have XXXX refund the money and close the credit account that was opened fraudulently. I just got a letter in the mail yesterday about XXXX running a credit check when opening the account and saw that my credit score was lower than it was previously. I then went and checked my credit score on my XXXX card ( it's one of their free features that I can see monthly ) and my score dropped about 23 points. The reason of it dropping was the account that was opened without my knowledge I'm sure. I don't miss payments and worked towards getting my score as high as possible. I was previously at 780+. I would like to have this charge removed from my credit history as it was fraudulent. If you need any more information please let me know.
XXXX 2017, I spoke to XXXX at Navient. Prep about my student loan. He stated that I would have to pay {$240.00} for 3 months and then {$5.00} thereafter. I told him that I would not be able to pay until XXXX XXXX, then he advised me to call back on XXXX XXXX to schedule the payment for XXXX XXXX. When I checked my account on XXXX XXXX the {$240.00} was withdrawn from my account. I called the company and spoke to XXXX about the situation. He then advised me that he would take care of it. On XXXX XXXX the {$240.00} was deposited into my account and then immediately taken out again. I called the company back on XXXX XXXX, 2017 and spoke to XXXX, he assured me that a check would be put in the mail, I also faxed over a copy of my bank statement where it clearly showed where the money was taken out and then put back and then taken out again, 7 days went by and no check ( XXXX lied ). On XXXX XXXX, 2017 I called back and spoke to XXXX ( rude ), where I was told by XXXX that I did not understand my bank statement. XXXX was then put on the phone where once again I was treated like I was stupid. He then guaranteed that my check would be in the mail.
On many occasions I have bee assessed multiple over draft fees. I will call on a payday Friday and something has been deducted from my account. I ask about the balance Friday night and by Monday if another item comes in Friday overnight and is close to my balance, they hold the deduction and charge me an overdraft fee. Then they will send the already deducted item through on Monday and charge me an NSF charge. I also placed holds on items and they have paid them anyway. I want the holds taken off and my money returned. This also caused my account to be over drawn.
I have been receiving calls from people claiming to be with Evans law associates. They say I or my representive need to contact them about some dept they say I supposedly owe. I have XXXX spoken with them directly, they leave massages on my answering machine asking for XXXX, my name is not XXXX nor do I know anyone by that name. I do XXXX wish to contact these people directly or give them any information, as I believe this to be a phone scam. I do n't believe they are following the law if they are legitimate as I have received phone calls before XXXX am and never received any notice from anyone about any debt I supposedly owe. XXXX of the callers identified himself as XXXX the others did not leave their names. The return phone number is XXXX. I would like all contact to stop.
Bank of America XXXX is reporting inaccurate late payments on my credit file that is negatively impacting my scores.I have sent letters to Bank of america in XXXX and XXXX and they have yet to respond with a resolution. My payment history needs to be reviewed and corrected immediately!!
Was sent a letter almost a year ago, stating if I did n't start paying my loans or pay in full, that my paychecks would be deducted {$170.00} each pay period until balance was paid. Then after setting up a payment plan for {$15.00} a month, I was hassled my advisor everyday calling and leaving voicemails daily. Then they would send me something in the mail saying that my payment did n't go through or call me saying it did n't process and I would pay it again. Then suddenly they stopped my automatic payment plan and transferred over to a new collector, then said I owed XXXX XXXX monthly ( which was n't the contract ) then saying I was n't paying my amount when I was sending them payments. And keeps sending me " pass due '' bill statements. I was told that I would n't collect any more interest since it had gone to collections, I have yet to see any changes to the balance. It has been the same.
I received a notice from NationStar stating that I had a shortage of XXXX I called Nation Star spoke with XXXX in customer services on XX/XX/2017 at XXXX I asked to speak with an escrow specialist he said he also work wit the escrow I made him aware I was recording the calls because I have had issues such as this problem before. I asked him again was he a escrow specialist, he then connected me to the escrow department spoke with XXXX. I advised her that I was recording our conversation was that ok with her she did n't have a problem I explained to her what the issue were on XX/XX/2017 I sent the shortage in which I was informed I owed XXXX and also XXXX dollar to different payments mailed in separate for my mortgage payment I sends in XXXX to XXXX dollars extra toward my mortgage. I was informed they both went to the principle she could not figure how to repair the problem I then was informed by XXXX a team leader would be working on this issue I asked her what was the person name that would be working on this issue she said XXXX or XXXX the teat lead. I waited I did n't speak with either person I then went on line to check and things were change that I owe more I talked to Anothey I informed him I was recording our conversation he said I can run it again it would be different I told him that is not what I 'm calling for I do n't need to be ran again he said he did n't run it again and told me my shorted was XXXX I said no that 's not true I also have it recorded I owe nothing as far as a shortage every time I go back Nation Star is informing me that I owe more money on my shortage I send extra money in toward my principle and they still are making mistakes on my payments .I have also pay for XX/XX/2017 what would be there next mistake something needs to be done about this issue. If they need extra information I have it recorded.
I ca n't log into my online experian account and I know I am answering the security questions correctly. I looked on XXXX XXXX and an address in XXXX is showing up and I 've never lived anywhere outside of XXXX. I researched the property and.it says the property owner is a XXXX year old XXXX XXXX
i have a loan XXXX the company states that I verbally gave them collateral ive missed XXXX payments now the company is calling threatening to have me arrested on a XXXX felony I get ssi as my only income
XXXX incorrectly reported to at least 3 credit bureaus ( Experian, XXXX and XXXX ) that I owe XXXX {$240.00} on an account that was closed in spring XX/XX/XXXX. I owe XXXX nothing, and disputed that balance to XXXX and to each of the credit bureaus. The credit bureaus have failed to correct my credit history, so I continued to try to resolve the issue with XXXX. Most recently, today on XX/XX/XXXX, I spoke with a XXXX Customer Service Representative named XXXX, who looked through my account notes and confirmed that 1 ) I requested account closure as early as XX/XX/XXXX, and 2 ) XXXX did not actually close my account until XX/XX/XXXX. He also confirmed that XXXX had incorrectly billed me {$10.00} more per month than what I had signed up for. That billing discrepancy was the original basis for my desire to cancel my XXXX service : XXXX had falsely represented my monthly service would be {$49.00} per month, but instead charged me {$59.00}. My exasperation with XXXX 's billing practices in violation of my contract precipitated my request to close the account. XXXX then dragged its feet on account closure so it could keep piling on charges and fees for 3 more months. I paid the legitimate balance in XX/XX/XXXX, but refused to pay any more of XXXX 's illegitimate charges. Finally on XX/XX/XXXX, XXXX discontinued my service. None of the remaining charges on my account are legitimate. Today the first Customer Service Representative, XXXX, said he was unable to reverse any of the charges. I asked to speak with someone who could, so he connected me to his supervisor, XXXX XXXX. She reviewed my account and the months of notes, and concluded that my account should be credited {$110.00}. She said the corrected balance would be reported to the credit bureaus. However she said XXXX would continue to charge me a purported {$130.00} " early termination fee. '' She said it was pursuant to my contract, which I disputed, particularly since I never received a written contract. I explained that even if I was under such a contract, XXXX had breached the contract by ADMITTEDLY overcharging me every month, so I should not be charged a fee for getting out of a fraudulent contract and billing scheme. XXXX and the credit bureaus should not be permitted to extort such illegitimate payments from me or any other consumer. I discovered this credit reporting issue while applying for a mortgage. My first loan application was rejected due to this erroneous information the credit bureaus accepted without question from XXXX. I will have to pay a significantly higher interest rate to secure a mortgage. I have also been turned down for 2 credit cards since the credit bureaus accepted this false information and added it to my credit history. This erroneous credit blemish also harms my ability to apply for jobs and rental housing. This extortion by Experian, XXXX  and XXXX on behalf of XXXX is therefore costing me a lot of money and reputational damage.
I TRIED TO get my report from free anual credit report website I only got XXXX  Report. XXXX and Experian kept saying there was an error try again later. Called XXXX and was on hold for over XXXX minutes and transferred to a recording to dispute a charge on my report but I DONT have my report! Called Experian was on hold for more than XXXX minutes! They say it will take XXXX weeks to process it and XXXX weeks for delivery!! That is not acceptable! I could loose alot if someone else is using my information
I have been fighting with various names of this same collection agency for years. I have stated numerous times that I do n't even believe this debt to be correct, but have paid over the years because they obtained a judgement ( which I also challenged ). Most recently, I sent XXXX letters to XXXX XXXX and XXXX along with a payment and requested a break down of my account showing my payments and balance. They never responded. Instead, they rolled the account over to another name law firm which is really the same as theirs and they start all over again. The new firm is Cooling & Winter. I just saw they lost a law suit from CFPB for doing this sort of stuff. I am asking for an accounting of the payments I have made and a balance owed. I am also asking for a verification of the debt. Third, the judgement is nearly ten years old and I want to know if it is even enforceable since it was done in yet the name of a third law firm. They just pass the debt back and forth between their various sham firms. I have evidence that this debt was taken care of via a XXXX I was sent from the bank years ago but they do n't answer my complaints in this matter. I have written dozens of letters to them over the years and they fail to respond.
In  XXXX  of    2017, I w as trying to refinance my house. Currently, my student loans through navient are on deferment. When applying to refinance, the loan company is reporting wrongly and it has majorly lowered m y credit score an d it is affecting me not being able to refinance. The way navient is reporting to the credit company, it is showing that I am over my limit with them and delinquent when I am not because I have permission and have taken the right steps forward in making sure I did that process correctly. Due to it showing that I am delinquent ( when i am not ) and over the amount of the loan ( over the total amount I am allowed to borrow is how I was told  ), it  is making it look like I am way behind on payments. I do call navient in  XXXX     2017 a nd they said that is how it gets reported and there is nothing they can do. They have also not worked with my to try to lower the amount I owe per month and it could cause me to lose my house because I ca n't get a lower payment and I now ca n't refinance my house because of how it is being reported to the credit company.