WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX and XX/XX/XXXX statements I paid amount due for both months on time. {$290.00} on a 2nd loan. 

Dovenmuehle Mortgage created an impound account for additional {$1500.00} per month for both unpaid property taxes for XXXX and collecting for upcoming property taxes for XXXX. 

I paid my property taxes for XXXX and do not owe any back property taxes. 

I never agreed to an impound account. 

Dovenmuehle Mortage never paid any amount on my property taxes yet they are still trying to collect for something they never made any payments on. 

My payments were made through my checking account and my bank sent them the money. They are " holding '' my funds and not applying them and now are sending me threatening letters of default. They are attempting to collect on impound funds.
After receiving many solicitation emails, in XX/XX/XXXX I filled out an application with XXXX XXXX in order to obtain a loan. 
I specified exactly what my credit score was and was told that they can get me something in the low 20 % annual range. 
Because I have a low credit score, I understand that I ca n't get a much better annual interest rate than that and XXXX, the owner of the company, seemed like a bit less of a vulture than all the others I had spoken to in the prior couple of years. 
Of course, as soon as my credit score came back ( with exactly the score I had already told them I have ), the annual interest rate jumped to 34 %. 
Because an interest rate like this is the equivalent of suicide in my business, I turned the rate down. However, XXXX ( who again seemed very nice and sincere ) said he would contact me again in the future to see if he could do better. 
On XX/XX/XXXX, XXXX from XXXX XXXX called me and said they have many new programs available since last we spoke and that ALL she needs to let me know what I qualify for is my last 3 months bank statements. XXXX actually even followed up on this phone call with an email that said when you send me these statements include how much funding yiu are seeking. 
Since the last 3 months bank statements do not hurt my already suffering on life support credit score, and XXXX had already told me that he would contact me again if he had a better offer for me, I sent her my last 3 months bank statements. What XXXX failed to mention was that she was going to pull my credit score as a hard inquiry. This is something I would NEVER allow. I receive at least a dozen phone calls on a daily basis. I do not allow anyone to pull my credit score. 
The only thing I allowed XXXX to do was to review my 3 prior months ' bank statements as she herself said she would be doing. 
As much as I can, I make every effort to be vigilant about my credit history. I am completely ashamed of myself that I was duped by one of these companies.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I have attached a copy of my ID and SS card.
this collectors name is XXXX XXXX XXXX. XXXX XXXX. i called them and asked them to dismiss charges on account as i have no knowledge of this account. It is identity theft i never opened it. Didnt get anywhere tith them could use your help getting this taken off of my credit report before id die of XXXX. My account is XXXX they are located in department XXXX XXXX XXXX , XXXX XXXX  ca. XXXX my phone for contact is XXXX the amount is for XXXX they are located headqrtrs is XXXX XXXX   XXXX XXXX va XXXX and there seperate mailing adress at bottom is in XXXX california which leads me to believe this is also sometime of phising scam. the lady on the phone sounded like a complete XXXX.
Chase Mortgage, represented by XXXX, refused to accept my husband 's XXXX to which I am the Attorney in Fact. I sent XXXX the XXXX for the purpose of refinancing a XXXX joint ) mortgage. I wrote XXXX that Chase " is legally responsible to honor powers of attorney that have taken effect unless there is a fatal flaw such as a forged signature. '' I also reminded XXXX that since XXXX and I are current Chase customers, they have his signature on file for purpose of confirmation. 

XXXX replied " Unfortunately, we do not recognize POAs for the purposes of originating a new loan. '' It is my understanding that banks neither the legal right to refuse a PPOA ( without a fatal flaw ) nor are they permitted to have a policy of refusing PPOAs.
Receiving phone calls at work threatening to notify my employer of old payday loan debt. Advised caller I ca n't accept personal calls at work but he persisted.
Southwest Credit System c alled around  XXXX   2017 , stating that I had an outstanding balance from  XXXX . Around this same time I received documentation from  XXXX  stating that equipment has not been returned and that the large bala nce (  {$700.00} plus dollars ) can be due to the result of equipment not being returned.  XXXX  was contacted shortly thereafter and informed that the equipment was sent back and should be in their possession.  XXXX , later states that the balance is due to nonpayment, not equipment.  <P/> On  XXXX     2017, Southwest Credit System re ported me to the Credit Bureau for {$230.00} which was already paid in full. Also, at no time was I given a bill of {$230.00}.  <P/> On  XXXX   XXXX ,    2017 Southwest Credit System was c ontacted and informed that the report of {$230.00} should never have been reported to the Credit Bureau. They were asked to remove/delete this negative reporting from my credit report, but refused. I am asking that this negative reporting be removed from my credit report.
I received an invitation from HSBC bank to open a new checking account and if I make two bills pay for three month, I will receive bonds of {$370.00}. I went to branch and open the account back on XX/XX/XXXX. I met the requirements but I did not receive what I was promised. 
I called the XXXX # three weeks ago I was told we will investigated and get back to you in 24 hours. I never heard back. I stooped at branch I spoke with XXXX and XXXX the person who open the account for me. I was told it take three months after I met the requirements I told him that passed a few month ago. She called the XXXX # and was asked to submit a request to investigate the mater and I will get a call in a day or two. Two weeks passed by never heat back. I called again XXXX said that I did not meet the. I have been make bill payment more than XXXX times. Some one has to hold those people accountable for the misleading services. PLEASE SEE BELOW. 
XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX PYMT {$100.00} XX/XX/XXXX PAYMENT TO XXXXELEC PYMT {$59.00} XX/XX/XXXX DEPOSIT {$2800.00} XX/XX/XXXX ONLINE PAYMENT TO XXXX XXXX PROCESSED ON:XX/XX/XXXX REFERENCE NUMBER : XXXX {$460.00} XX/XX/XXXX PAYMENT TO XXXX-XXXX {$1400.00} XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$65.00} XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX {$84.00} XX/XX/XXXX PAYMENT TO XXXX ONLINE-PAYMENT {$250.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX-ELEC PYMT {$52.00} XXXX/XXXX/XXXX DEPOSIT {$2800.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$62.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$77.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$740.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$370.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$16.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$180.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$51.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$54.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$570.00} Debit ( - ) Credit ( + ) XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$200.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$540.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX {$360.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$100.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$570.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$70.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$100.00} THANKS
On XX/XX/XXXX a message was left on my phone by a XXXX XXXX stating that I was being sued and to contact XXXX with account number XXXX. I contacted this number on XX/XX/XXXX and spoked to XXXX XXXX from XXXX XXXX XXXX and was told that I was being sued {$1400.00} for a credit card owed to Fred Meyers store and she was looking at my chapter XXXX bankruptcy that I had filed in XXXX and this debt was not listed on my bankruptcy. I told her yes it was and that I had a copy of Chapter XXXX bankruptcy from XXXX XXXX XXXX case no. XXXX. I faxed a copy to her at XXXX. I then called her and confirmed that she received the fax. This is the second time I have been contacted by debt collectors in regards to this debt that was discharged by the bankruptcy courts 22 years ago. The last last debt collector was XXXX XXXX XXXX who contacted me by mail on XXXX to try to collect this same debt. I sent them a copy of my bankruptcy papers by certified mail. I feel that this discharged debt is being illegally sold to debt collectors in an effort to harass me and collect on a debt I no longer owe.
PHH Mortgage. Mishandling of the mortgage refinance process during a divorce proceeding.
XXXX XXXX missing from account from dates thru XX/XX/XXXX til present chase sent replacement card and basically I 've been denied a right too activate it because of fraudulent identity theft questions that I simply could n't answer because they were '' *this close '' *yet off n a sense on each one therefore the scrutiny was the " Baitnswitch '' fraudulent reasons I was denied! Activation on telephone by XXXX, from 3world country that 's soliciting my social # .this bank when I established this POA account lied n just thru all my $ $ cash n my mothers account, n then began to go to work on my cash n ways n delegation I never drafted consent to, plus allowed transactions n nonmatching '' names in cyberspace ushering '' me to visit the branches filled with racism n by yelling n intimidating me by phone and by refusing to answer to my complaint n writing ' to the cfpb is also revealing they hiding something .plus my proof such as receipts already given to cfpb depicts I may be on to something as proof that " chases '' bank records r altered compromised erroneous, deceptive n basically subversive too good faith '' money management that it purports to give but really do n't at all .some ATM receipts reflecting highly dishonest misleading amounts during these per than what really was inside account causing other dissaray, +/or its chase sending money or allowing transaction to go thru right away and Still later come in get paid twice virtually later is like theft by electrical transfer.XX/XX/XXXX # -XX/XX/XXXX I did n't take XXXX, out.return my XXXX $!!
On XXXX XXXX, 2017 XXXX XXXX XXXX placed an account for the amount of {$5900.00} on my credit report in violation of the Fair Credit Reporting Act. XXXX XXXX XXXX failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account XXXX XXXX XXXX is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
Bad customer service. I tired to cancel my escrow based on the information they sent me, the problem is they have a irrelevant condition not to cancel my escrow. The only lender you can not talk with the escrow department to solve any problem.
Bankruptcy cited as one of the reasons for denial. Unable to substantiate the existence of a reference to bankruptcy.
Wells Fargo a few months back opened up an investigation with the ITO Department. ( Identity Theft Operations ) This department proceeded to forward the case to the Online Fraud Department. The Online Fraud department reviewed my Identity Theft Affidavit and all other documentation i have provided proving fraud. The Online Fraud Department mailed me a completed letter stating the case was closed and that it was determined i would not be held liable for these accounts. These Accounts were just now removed from XXXX XXXX XXXX after contacting them myself. Additionally XXXX XXXX contacted me by phone, she asked if i have ever had a Direct Deposit from XXXX XXXX. As this was a deposit in the Checking account. I advised XXXX that i did not. I have not ever received benefit from any Brokerage, Checking account or Savings account with Wells Fargo. These accounts were opened with my information after my Identification was stolen. I never received any letters from these accounts as my mail had also been forwarded. Also my Emails were hijacked. I had to get XXXX mail to unlock my email addresses. I also had to have The U.S. Postal service forward my mail back to my correct address. Wells Fargo states they removed all the negative internally reporting information against me. This is a lie. I was also advised from the Online Fraud Claims Assistance Center, that if i ever wanted to actually open my own checking account with Wells Fargo in the future i could do so. As i am not liable for the unauthorized accounts opened in my name. I have saved all of the documentation i have received as of late. Additionally Wells Fargo also blamed me for a secured card i never opened nor received. I had to actually Call in to Wells Fargo to ask for a Copy of the card that i never received as my mail was forwarded. Wells Fargo issued me a new card and i actually had to go into a branch to get online access. The Online Access was created from the Banking Center manager in XXXX. I was able to login and make two payments, and then the Wells Fargo credit card was closed. Wells Fargo stated that i requested the card to be closed? Which i did not. I had only requested this be done before as i never opened the card in the first place. Lastly Wells Fargo continues to provide very confusing and incorrect terms and conditions. Not only did they attempt to report a Brokerage Account i never opened to XXXX. They stated they removed this account. I have since had XXXX block this because this account is also fraudulent. In Wells Fargo latest response they advise me that the checking account was mine. EVEN Though it's already been proven it's not. Therefore Wells Fargo is now trying to change their response and lie. They are attempting to Accuse me at this point, which is totally absurd. No resolution has been provided and they do not provide a clear response as they already told me all of the internal negative reporting was deleted about me. Yet now they stated no deposit account is to be opened, after they sent a letter stating that due to the fraud my name was cleared and that i COULD open an account. So the responses are coming back and forth mixed.
I submitted a letter to Equifax stating that the inquiries on my credit report were not authorized, and I asked the Equifax to provide me verification that I gave permission to the companies listed on my credit report to pull my credit. Equifax mailed me a letter stating that the items will remain on my account for 2 years without providing verification that the I gave permission to the companies listed on my credit report to pull my credit. 

XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
I was a resident at The XXXX on XXXX XXXX XXXX in XXXX, XXXX XXXX from XXXX XXXX to XXXX XXXX. All rents were paid on time. I submitted my intent to vacate by certified USPS letter and my apartment was surrendered back to the care of management in the same shape it was when I commenced my tenancy. Despite this, management reported an {$86.00} debt to all credit bureaus. The XXXX XXXX management has thus far failed to produce any evidence supporting their claim. I sought the help of the MS Attorney General Office to resolve this, although The XXXX agreed to remove debt from credit report they have yet to do so. The MS Attorney General Office has advised me they can not assist further with this.
My discover it credit card account was closed by Discover yesterday without any notice. I realize this case by receiving email from XXXX saying my payment is not successful. I never missed XXXX payment and did not do anything improperly. I was wondering why this is happening and called the service center. The only reason I learnt is " BUSINESS REASON ''. Not sure if this will affect my credit score. After searching on XXXX, I realize this is not only for me. Many XXXX card holders experienced the same situation. Hope this is not a discrimination thing.
There is a collection that reported this is unknown, no notices etc and I DO NOT OWE this company anything. Requesting removal of this ASAP XXXXXXXX XXXX XXXX for {$710.00} false information
I continually receive calls from XXXX which shows as " HSBC XXXX XXXX '' requesting to speak to somebody who i do not know and is not at my phone number, i have had this same phone number for 5 years. i ask the person to identify where they are calling from and they refuse to do so. I ask specifically if they are calling from XXXX XXXX and they say no, it is a personal business business matter for the person they are trying to reach. i explain the person is not at this number, never has been and ask them not to call, but they keep calling. at least 10 times in past week,
On XXXX XXXX, XXXX I recieved a call from XXXX with portfolio recovery regards to a repossession. I explained that I didnt have a car repossessed I proceeded to write them a letter requesting verification of said debt on the following dates ( XXXX/XXXX/XXXX, XXXX ) neither time was i furnished information regarding this debt. This Debt was due to be removed from my credit report on XXXX XXXX. This company reported false payment history on my credit stating I made payments to the XXXX ( this is continued false information ) .I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of payments made, never providing information that i owe said debt according to the FDCPA the amount is more than the previous reported items. ( A ) the legal status of the alleged debt stating that it is with attorneys via my credit report.
I requested elimination of the PMI imposed on my property since 2004. The property was bought for XXXX and the lender, New York Community Bank based in XXXX has been denying the removal of the PMI. We sent a check for them to make a re- assessment and they used XXXX 'comparables ' priced at XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX which clearly indicates that the loan to value ratio has increased. In a very suspicious way they used a number called " Quick Sale Value '' of {$490000.00} to again deny the removal and ask us for {$2600.00} to remove the PMI. The numbers they used are arbitrary and had no foundation other than to keep stealing money from us, hard working middle class workers.
Hello, Every so often my mortgage seems to increase significantly between $ XXXX and I am now retired and my husband is on Social Security XXXX. We XXXX are on a fixed income every month. I am also taking care of my elderly mother ( XXXX XXXX XXXX ) who has to live with me due to her medical conditions. With the sudden increase in monthly mortgage payments ( from {$1500.00} to {$1800.00} ) we are unable to keep up with the mortgage with Wells Fargo and XXXX XXXX.
I purchased a Business class ticket with my Chase card for {$2800.00}. Upon checking in at the airport, I was advised the ticket was purchased with award miles, which I was not aware of. I was asked for the account holder membership number which i did not know, I contacted the travel agent that sold me the ticket and there was no reply I was not able to board the flight. I then Had to purchase a new ticket at the counter, which cost me {$4000.00}. XXXX I immediately reported the matter to Chase Card services and disputed the charge of {$2800.00}, This matter has been ongoing since XXXX XXXX, 2017. I have submitted all supporting documents to Chase, Along with supporting Documents from the Airline involved, supporting that the travel agent methods were fraudulent,. Chase has refused to remove the charges, claiming the charge is valid. I have requested that Chase provides me with, the correspondence from the merchant which they have refused. I received a letter from Chase card services stating that " Although I have a justifiable dispute '' their findings remains the same, the charges are valid. How is this a resolution? Chase has refused to protect me from a fraudulent merchant. Basically telling me as a consumer I have no rights or protection when using their credit card.
It is quite obvious what happened, as I am only 1 of 143 million Americans. Equifax, through seemingly gross incompetence, has allowed my credit and personal information, and millions others, to be breached and taken from their data records illegally. I assume this is n't the appropriate place to mention the over a month time period that elapsed before Equifax announced this breach to the public, only after their shares in the company were sold, so I wo n't.
Due to circumstances and being unemployed I was unable to make my mortgage payments. I am now working and would like for Ocwen to reinstate my loan ... but I can not get any help..I am constantly transferred to XXXX, an XXXX hitting deadend at every step ..Ocwen have not been helpful .Please help me do not let XXXX take my home without negotiating in good faith.
I want the CFPB to investigate the {$260000.00} mortgage on my house and why it had not been released. 
It was supposed to payoff {$260000.00} to XXXX and XXXX in XXXX but wre both released for the second time in XXXX. 

You have my bank statements Released liens XXXX statements and truth in lending disclosures. 
Ocwen needs to prove I did n't pay this loan or send me a truth in lending and right to cancel on this new loan, old loan, credit cards other properties or whatever it is supposed to be.
I have had a Zale 's store charge card for about one years. The first balance was to be paid off in 12 months without interest. Zale 's set the minim per month to below the 12 month payoff amount, so they can charge back interest, not off on time. I charge some other items that should payoff in 3 years. Now I just found out that if I do n't pay almost 3 times the minim each and every month, This balance will not be paid off They tell me it is up to me to make sure I do the math and divide the balance and make sure I am paying enough. So My complaint is they need to be up front on their billing and change their billing practice to make sure you know how much to pay each month, and change the minimum payment to so the consumer is not caught off guard thinking they will have the balance paid off on time. This is a SCAM for all Zale 's customers. Please look into this. thanks XXXX