WillisBack/dataset-financial-user-claim huggingface dataset:
Fifth Third mandates I pay an escrow even though Fifth Third has failed to pay for my homeowner 's annual insurance premium. Fifth Third now  acknowledges my homeowners is with XXXX XXXX and acknowledges the correct premium dollar amount of {$900.00}. However, Fifth Third has the payment due to XXXX XXXX in XX/XX/XXXX when the actual date the annual premium is due is XX/XX/XXXX. I have attached two items from XXXX XXXX showing the premium is due in XXXX. Fifth Third did not pay the premium in XX/XX/XXXX. I was forced to make the payment or be lapse in my homeowners insurance. I thank Fifth Third for their letter dated XX/XX/XXXX detailing my starting escrow balance of {$1000.00}. My required escrow balance is {$1000.00}. I already have {$33.00} excess in my escrow balance and Fifth Third is forcing me to pay escrow for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX or an eight additional months.
I contacted Wells Fargo a few times about this same issue. So almost a year ago i experienced identity theft when my wallet was stolen. I had not known at that time that there was a checking account opened in my name by Wells Fargo. I just now have attempted to open a checking account. After speaking to one of the nice kind bankers over there she transferred me to Loss prevention, after trying to open an account after being told from the banker that i am not able to open an account due to banking history with Wells Fargo. 

When i further asked why and explained to the phone banker that i have never opened an account with Wells Fargo. She sent me to loss prevention. Loss prevention said my accounts were closed, i advised them that i have never opened an account with Wells Fargo in my life, and that i just now have been trying as of this week. The loss prevention rep said that my accounts were closed due to me being a risk to the bank. We got into further detail and i told the Loss prevention person, that is a mistake because i have never opened an account with Wells Fargo. The loss prevention person then transferred me to identity theft operations. Yet it appears these accounts are still listed under my name, even though i was told from the Phone banker these were opened online. When we discussed that i didn't open these she stated to file identity theft, which i have already done so with the FTC. i want to be able to eventually bank with Wells Fargo but it appears someone has tarnished my name with them by opening an account and using it fraudulently. Which i was not aware of until just recently.
I paid {$1.00} for a credit report from EXPERIAN and have been billed {$14.00} for the last 8 months without my clear understanding that this was what I was agreeing to on the day I paid for the {$1.00} credit check. This was not clear on the web site that offered a {$1.00} credit check, all they were really doing was phishing for my CC number to scam {$14.00} from me as long as they could before I caught it. This is deceptive and predatory aimed at the elderly and young and needs to be stopped and they should be criminally charged.
I have never received any letters or contact from this company it just showed up on my credit report.     I have no clue who they are and have no contract or such with them.      XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX  I tried disputing through  XXXX  but was told updated and that was it
I requested a copy of my promissory note a month ago to review the terms because I 'm considering consolidating my loans. Navient advised that it would take a few days to process. The only information I received in the mail was a copy of the previous servicer/lender history. I called again today ( XXXX ) and they initially advised me that they did n't have a copy of my note. When I pressed them on the issue they advised that it would take another XXXX14 business days to process the request. My payments are increasing on XXXX/XXXX/17 so I need this information quickly in order to make a decision on whether to consolidate. If Navient does n't have my note, they should not be collecting funds from me and these loans should be removed from their systems. If they do have my note, they need to send it to me quickly, preferably via email and if not email they should overnight it via XXXX or XXXX. Again, I need this information very quickly in order to make a decision about my financial future. In addition, I have some variable interest loans and the interest rates were just raised by the Fed. If my payments are increased before I 'm able to consolidate because Navient failed to send the requested information, they should be held responsible for any change in my payments.
There are multiple credit inquires without my knowledge XXXX XXXX  XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX In Members Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Chase XXXX XXXX XXXX Inquiry from XX/XX/XXXX Chase XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Chase Card Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
I have been trying to get my mortgage modified with Wells Fargo Home Mortgage for over 7 months without success and recently the lawer they hired to try to collect sent me a debt collection notice and on it, it states that I have 30 days to respond after receiving the letter if I dispute the information. I responded quickly to their letter by fax ( attached ) and by phone to the lawyer and told them I was reviewing the information and will get back to them shortly. The lawyer then sets a sheriff sale date for the house WITHOUT allowing me the legal 30 days to review or dispute the original debt collection notice from them.
Hello.
I applied for a refi with XXXX XXXX, who sent me factors on my credit report.
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They were : 38. You have a serious delinquency and public record or collection filed and on your credit report.
I filed bankruptcy 5 years ago ; in XX/XX/2019 it will be dropped. THIS IS TRUE.
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18. Too many delinquent accounts. I HAVE NO DELINQUENT ACCOUNTS. My credit score is XXXX ( rated Good ) and show NO delinquient accounts. THEY WILL NOT FIX THIS.
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14. Length of account history is too short. MY ACCOUNT HISTORY IS FIVE YEARS OLD! THAT IS NOT SHORT. THEY WILL NOT FIX THIS.
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10. Balances are too high on your banking revolving or all credit history accounts. I HAVE ONLY TWO  CREDIT ACCOUNTS WITH VERY LOW BA : LANCES, IF NOT XXXX. THEY WILL NOT FIX THIS.
I came to an agreement with the collection company on settling my debt. After receiving an offer letter and fully paid letter from the collection company, I still have not received any communication from the original debtor, which in this case is Citibank. It has been over 2 months since the debt was " settled ''.
Original CFPB complaint filed under case number : XXXX. This original complaint was not investigated properly by the CRA, rather they decided to respond with a standard boiler plate response. The CRA mentioned in this complaint is not following the FCRA properly, in fact under a report from this agency dated XXXX XXXX, 2016, file number XXXX, the information that was disputed is listed on the report as " estimated month and year that this information will be removed : XX/XX/2016 ''. It is now XX/XX/2016, so this information should have automatically purged. In fact, this has already automatically happened at XXXX. Rather, somehow TransUnion believes they need to confirm with the original furnisher of information. This would leave anyone to believe that TransUnion believes that the data that they furnish, might not be reliable and consistent.
To whom it may concern Since XX/XX/2017 we have been dealing with a company that we got financing for an auto to correctly report to the credit bureaus. 
We have gotten every excuse as to why it is not reporting, we were even told there was a letter sent to TransUnion in regards to this matter but we can not get a copy of this letter either. We are in the process of getting a mortgage and the almost 3 years of credit would help out tremendously. 

We have been trying to be really patient and understanding but it seems to get us nowhere, there are two people on the loan, my son and my husband. This trade line reports just fine on my sons credit report but not my husbands. This could one mean we go from needing 3 % down instead of 10 %, a lower interest rate and possibly approval. Right now there is a lot riding on this and they dont seem to want to do anything to help the situation. 
I have already filed a complaint with the XXXX and their excuse was a problem with their program, but when I disputed that because it is reporting to one but not the other the XXXX closed the case. Our Attorney is stepping in but we are running out of time for this to be reporting. At this point XXXX XXXX needs to report this trade line A.S.A.P. As of today a manager by the name of XXXX spoke to my husband and stated that we did not want this trade line on our records even though it is reporting on my sons records that 95 % of the payments are on time. 

They claim we have disputed the trade line but if that were true and the information had been correct the trade line would not have been removed. Their failure to do anything is going to cost us more money than necessary. 
Honestly this company needs to not be allowed to provide loans, their customer service is awful and they are very hard to work with. I have copies of emails back in XX/XX/XXXXthat they sent a letter to Trans Union and now they are saying nothing was sent. Again more excuses. We need your help please. 

Thank you for your assistance in this matter
I have already disputed this mark against my credit to XXXX XXXX on the XXXX XXXX website, and it 's been closed. I would like it to be closed with XXXX as well, how do I do this? My credit score is being negatively affected due to fraud and I feel this is an unfair practice as I said XXXX credit reporting agency already removed this. 
Thank you, XXXX XXXX
I first got my debt notice from GLA Collection Company and on the back of the page it asked if I had any insurance information. I filled out the back of the page and never heard anything if they filed with insurance or not. 
I got another letter saying I owed money. I called and asked if they ran it through my insurance. 
The guy on the phone XXXX was very rude and told me he was not going to check with my insurance that he did n't have to and it was past the point for that. 
I then got a letter on XXXX XXXX 2017 that says I have 60 days from the date of this letter to make the payment in full. 
A week later I got another letter that said I had 10 days to pay and that I need to call this number XXXX. 
I called the number and again the guy was very rude and told me that I did n't have 60 days I only had the 10. I asked why I got this letter that said 60 days and he said he did n't know and did n't care. 
I just thought that was very rude and he was just did n't care about working with me.
I have tried disputing this tax lien with Equifax that has been withdrawn with the letter of withdrawal of tax lien because I never owned the money, and the state of west Virginia realized their mistake. I have supplied Equifax the letter, and they still refuse to remove it from my credit.
SCHOOLS FIRST FEDERAL CREDIT UNION : Refuse to remove fraudulent account out of my name, after months of trying to work with them. I have sent ; " FTC ID Theft Report '', Police Report, Copy of my ID & SS Card and they still refuse to REMOVE or BLOCK the fraudulent account from my name. I did not open this account.
I have been a scottrade customer for over 10 years. I took them up on their advertisement to open a checking account. Big Hassle! Not worth it. Despite being a long time customer, they needed to see proof of identification, including a utility bill. When I brought that into the nearest branch ( almost 20 minutes away ) they then told me I needed to bring in my Social Security card or a XXXX with my social on it. When I told them I could only provide the XXXX I received from my Scottrade brokerage account ( I am a stay-at-home mom ), they said they could n't accept that one. 

Going online into my account, they suggest transferring money to my new checking accout and sent a debit card to my home address. However, they wo n't let me transfer money from my brokerage to my checking account. 

To sum it up, Scottrade Bank does n't seem ready to handle regular online banking. Here I thought it would be a logical place to open a checking account, but it was a pain to a ridiculous extent.
Hello, I am contacting you about my Barclays XXXX XXXX XXXX. I think it is safe to say that they assume that customers are not capable of calculating what their interest rate is or how it is applied. They have been fudging the numbers on my account for a very long time by adding hundreds of dollars to the opening balance each month so that it is always different from the balance carried over after payment the previous month. For example for a balance of {$500.00} ending the month of XX/XX/XXXX with no other purchases they will make the opening balance {$590.00} plus the new interest charges for the month of XX/XX/XXXX. The interest charge is also doubled to twice the amount it should be. Each time you contact them they send a cut and paste response that does not address the thievery. You can never continue a conversation started because there is no way to reply. Instead the top of each of their replies start with " This incident can not be reopened or updated. If you need further assistance, please submit a new question by clicking the Ask A Question tab. '' The last reply I got onXX/XX/XXXX from them attempted to lie and explain the fraudulent interest calculation with an open sentence that they did not even bother to finish. " At this time we would like to confirm your interest charge is calculated using the average daily balance for the entire billing cycle and includes new purchases, it is not based on the beginning balance. The amount of XXXX showing on your statement under the 'Interest Charge Calculation ' section is the average daily balance for your '' I believe it is easier for them to steal from people with larger balances so they do so with reckless abandon leaving the consumer deeper and deeper in debt for the greed of inept corrupt government. Ending balances, payment made and statement information available if and when needed. Please assist. Thank you.
I have an urgent problem with the servicing of the mortgage on my property in California. ( I am living in XXXX, XXXX XXXX. ) Green Tree, which was awarded the servicing of my mortgage a few years ago, seems to have merged with a different company. I have not received a statement in 3 months. I have received no notification of the situation and no information about where my mortgage is held now. There is no online contact information for either company. 

I have continued to send my mortgage payment to the Green Tree account, so as not to trigger default problems. Payments are continuing to be received but there is no acknowledgement. Without any information about where the mortgage and who is servicing it, this now seems extremely foolhardy. 

I need : A letter from the company which is now responsible for my loan. 
Account number, address, phone number, and working Internet URL. 
I need a report confirming payments received in year 2015 and full electronic access to my account ( URL which works in XXXX XXXX. 

NOTE : Green Tree was never able/willing to give me access to my account online. 
After I complained to CFPB about not having access to my data, company was ordered, and agreed, to send me monthly statements, showing the current principal and last payment. That arrangement worked until three months ago. If notifications were posted on the Green Tree site, I obviously had no access to them. 

The new mortgage company needs to be aware of this IT problem at Green Tree, which cut off all electronic information outside the XXXX. 

I need this ASAP. I can not continue sending money to a nonexistent company which does not have an Internet presence with a phone number. 

Attached : scan of the last statement I got from the Green Tree mortgage company. 
My account number and address information are there. 

Thank you so much for your assistance. 

XXXX XXXX XXXXXXXXXXXX DETAILS According to this source XXXX Green Tree does not exist anymore. Its listing Green Tree Servicing XXXX XXXX XXXX XXXX Mortgage Services https : //www.greentreeservicing.com/ brings brings blank on XXXX search. ( That 's in XXXX XXXX. 

By searching complaint groups ' sites, I have found that the presumed successor company is Ditech, but their site is also unavailable : https : //www.ditech.com/ " This webpage is not available ''
I believe that I have been unfairly reported as having 30 days past due payment. Ditech failed to apply my payment to my account because my escrow amount was increased by {$34.00} and my payment did n't reflect the new amount. They did not make an attempt to contact me to correct the matter until the end of the month. I have never made a late payment and they would not work with me at all.
I learned about several inquiries on my credit report that I did not authorize. I contacted TransUnion by letter twice stating that the inquiries were unauthorized and I had no knowledge of them. They refused to remove them stating that inquiries were factual and that would stay on my report for two years. How can they say that when I never gave any of the companies permissible purpose to pull my credit? And they have yet to provide me of any proof of such! What TransUnion is doing is a clear violation of the FCRA.
Bills from hospital are 0.00 for the 2012 year, it still shows up in the collection area.
I have been summoned to court by this law firm. I have requested debt validation and when I called to speak with the lawyer about a settlement on XX/XX/2018 at XXXX Central I was speaking with someone who could not help me. She explained that my file was locked and she could do nothing about it. I explained that I understand the policy but can I then speak to the attorney handling the case. She said that she could transfer me to a manager. I explained that I wanted to speak to an attorney, I asked if she worked for the law firm and could she just transfer me to an attorney. She then transferred me to a " manager '' that is just a voice mail. So far I have had no chance to communicate with the actual attorney handling my case and have been passed around call centers acting as the attorney.
Continue to get repeated automated calls from a local number of XXXX and leaving a message to call XXXX I 'm getting these calls at work, on my cell phone and my daughters cell phone. Person never leaves their name and/or company name. They state that if i do n't call them back they will contact my HR dept and once that has happened the process can not be reversed. Now getting what appears to be another message on my cell and work number stating they are going to prosecute me to the fullest of my states laws. Law states they have 5 day to send me a letter of intent to collect on a debt with a company name, phone number, and a valid address. I have not received any of this. After googling the phone number they requested i call back, I 'm finding many complaints by others. Several people reporting the company name of XXXX. XXXX the name and could n't fine anything on the company.
Repeated phone calls. I don't answer numbers I do not know and they leave no messages. I don't owe any debt right now.
Not given any insight into this debt. 

XX/XX/XXXX - received a request for payment from " Dynamic Recovery Solutions '' XX/XX/XXXX - i responded with a debt validation letter to confirm i have a legal obligation to pay them. 

XX/XX/XXXX - XXXX received an anonymous phone call from a 3rd party shipping company to sign documents. was told to call " XXXX XXXX '' AKA " XXXX XXXX '' @ XXXX that only they can arrange another shipping time. 
XXXX 1st phone conversation @ XXXX, the representative refused to provide an address to send a debt verification letter to dispute their claim. When i advised that the time they chose to deliver the documents is inconvenient, i was told it will be more inconvenient when they take me to court. I asked if he could provide documents of the debt. The XXXX XXXX responded that i will see the documents in court. 

XX/XX/XXXX - XXXX received a 3rd party mail service package. contents are from " Dynamic Recovery Solutions '' requesting payment. I called XXXX as directed in the documents. Representative " XXXX XXXX '' from " Dynamic Recovery Solutions '' advised that they have owned this account since XX/XX/XXXX and no one else. 

XX/XX/XXXX - XXXX called back " XXXX XXXX '' and advised of the package received. representative advised they they own the chain of title and they will see me in court.
I followed XXXX which redirects me to this link XXXX to open the checking account with eFirstBank and i should be getting {$200.00} as cash bonus. 

As per the text *Cash offer is not available to existing FirstBank consumer checking customers or those whose accounts have been closed within 90 days or closed with a negative balance. Offer valid for new personal checking account opened between XX/XX/XXXX and XX/XX/XXXX. The account must be opened online at efirstbank.com/offers or bring in this advertisement to any FirstBank location to receive the {$200.00} offer. Limit XXXX gift per household, per lifetime. Limit one gift per account. The cash offer will be given if the account opened is in good standing, and the customer enrolls for online banking, and XXXX direct deposit greater than {$500.00} posts to the new checking account. Direct deposit must be new to FirstBank and must be payroll, pension, Social Security or other government benefits. Direct deposit can not be multiple direct deposits combined that exceed {$500.00}. Requirements must be met within 60 days of account opening and the cash offer will be deposited into the new checking account within 90 days of account opening. We reserve the right to substitute gifts offered at any time with an item of similar value. Limited time offer. The {$200.00} cash offer is considered interest and is subject to IRS and other tax reporting. The cash offer is considered a bonus that can be revoked if the account is closed within six months of opening. FirstBank employees and employees of other financial institutions are not eligible to receive the offer. Online Banking plus direct deposit required. Other conditions and restrictions apply. See branch for details. Member FDIC. 

I should be getting the cash bonus of {$200.00} but i was told just because I am working in XXXX XXXX which is financial services company - I wo n't be getting it. Well that 's not mentioned any where. These guys wasted my time, efforts and i end up with a credit inquiry also but not getting the {$200.00} cash back bonus.
Phoenix Financial has reported a disputed debt from 2013 which is past the statute of limitations in the state of Delaware ( 3 years ), also have called and threatened to file suit when it is past the statute of limitations as well and they are not within their rights to do so. They also reported this single debt to my credit as 3 separate debts thus far. They are violating my rights under FDCPA and I will file a complaint with the XXXX, FTC, FCC, their local attorney generals office and any additional office that I find. If they do not remove this negative report from my credit within 10 days, I will be forced to explore my options with litigation.