WillisBack/dataset-financial-user-claim huggingface dataset:
SLS or Specialized Loan Servicing has sent out three checks from my escrow account they can't track these payments and my escrow IS DUE NOW to XXXX my insurance company. 

all checks have been lost. 

they can not track where the escrow went and they do not call me back after many phone calls.
I received a large amount of money as a gift, was told by the Chase Bank representative it will be available in 2 days, she circled on the receipt 2 days later it would be available, never mentioning it might be further delayed. Only to find out they extended the hold on the gifted check another 7 days. The day I inquired about it they said it is on a 7-day hold. I do n't have the money available to me and the person who gifted me the money tells me it has been taken out of his account. Now Chase does have the money and they are making interest on it for the added 7 days, not me or the person who gifted me the money. They made me feel like a criminal for something that I did n't do anything wrong.
Today a woman from  United Collection Bureau repeate dly called me at work and refused to delete my work number from the contact information unless I gave them another number to call.
We have a file with Wells Fargo HELOC as the XXXX. The XXXX mortgage with XXXX has been approved. We have had the file approved 3 times before with XXXX, but the buyers end up not working out. We have been going back and forth with WF for months trying to get an approval so we can get this property sold. Wells Fargo has denied this offer XXXX and will not give us any explanation as to why they would not approve. They will actually be getting more money on this offer that the XXXX previous that were approved. Wells Fargo just flat out will not let us know what we can do to fix the problem. We have done everything thing that has been asked of us and they just tell us it is denied and that is it.We are trying to save this house from foreclosure!! I just do n't understand why they will just flat out deny it with no explanation at all.I mean the first mortgage is only going to pay a certain amount to the XXXX, no matter what the offer amount, so what is wrong here? It ca n't be the amount going to them, because like I said before they are getting more money now than before.So why deny the offer?? We need an explanation. This property is going to foreclose if we ca n't get an approval.
I have an escrow account with my mortgage company. It is set up to pay my home insurance and property tax. I pay {$730.00} of every mortgage payment {$2100.00} to my escrow account. Every year I get an annual escrow account disclosure statement which determines if Im paying too much or not enough and my mortgage payment is adjusted accordingly. This year I have an overpayment so I received a check {$330.00} In the same letter my mortgage company is INCREASING my mortgage payment. I feel my mortgage payment should be reduced if not at least remain the same. 
Im also billed {$200.00} mortgage insurance which my mortgage company seems unable/incapable of explaining I called my mortgage company spoke to XXXX who identified herself as a manager and was unable to satisfy my questions she acknowledged my taxes remained the same and my insurance increased {$76.00} the {$330.00} is more than needed to cover that increase
I signed up for the Chase Sapphire Preferred card. When I was happy with the card, I decided to refer my parents. I applied with them and generated a referral link through Chase 's website and submitted the application for my parents. My parents got their credit card and made their first purchase yet I never received a bonus. Now, Chase is telling me they didnt apply through proper channels even though I was the person that applied with my parents as I help them with their finances and I ensured that my browser was accepting tracking cookies etc so I would receive the XXXX point bonus.
Well my XXXX year old XXXX son figured out how to log onmy XXXX  account on XX/XX/XXXX and buying XXXX at {$12.00} plus XXXX at XXXX plus XXXX for XXXX XXXX I contacted XXXX several occassions. i also contactedmy bank on XXXX/XXXX/17 to be told theywere still processing cannotdo anything to dispute it. then on XXXX/XXXX/2017 i contactedmy bank bank of america to dispute the charges as they were not authorized by me and did not know they happened until i got an email from XXXX. Also my bank accessed me {$100.00} in over draft charges. I filed a dispute with claims department at XXXX XXXX our time on XXXX/XXXX/2017.I was told that she give me a temporary credit on my acount for the XXXX transactions and theover draft fees. Well two hours later i called back to talk toa supervisor of my bank in claims to be told that they will not credit back the transactions unti ten business days later and the overdarft fees another three to five business days after that. thisis not right as it was an unauthorized purchase and should have been credited right away after the dispute was filed. i do not appreciate being lied to as first lady in claims said she was working on the credits back right then only mention of the ten days was that i get a letter sign it send it back to the bank. This is very unacceptable not to give me temprary credit for the transactions and the over draft fees as it was done by my minor XXXX son without my knowledge or permission. This is unacceptable to not help me with this situation and lie to me. Not happy at all.
I have had multiple accounts populate on my credit report and have tried contacting all companies and each on is passing me along to the other and is not giving any information on the collection. XXXX XXXX is also report multiple late payments however no bill was ever received and I have no knowledge of missed payments
I have medical bills from services that were supposed to be charged to my medical insurance. I have XXXX which obviously means I am a person of low income and can not afford to pay for medical treatment on my own. I need to have these collectors submit these bills to my insurance company. Which was never done by the original biller.
I sent multiple checks to Santander Consumer USA to pay off my auto loan sooner. To my surprise the checks were applied as regular payments. I called numerous times to resolve the matter, however they never did. I submitted my first complaint against them a couple months ago. Since then I sent in multiple payments again to payoff the car loan sooner. Again, the payments were not applied correctly and Santander collected interest from my payments. This resulted in my due date becoming XXXX/XXXX/2017! I called them once and sent them a written to have the matter resolved and the interest collected applied towards the principal balance. It was never completed. I followed up one last time as the balance of the loan was now low enough to payoff the loan. I was instructed by one of their reps to payoff the loan and the overage from the interest collected would be refunded back to me. I have not seen a dime of a refund from them nor have I been contacted for follow up with them. The last rep I spoke to over a chat told me they could n't do anything since the loan was now paid off. I pushed back and told the rep what I was told before. The rep was able to confirm what I was instructed to do per the notes on the account. However, she told me that management would fix it and send me the refund as the payoff to the loan should have been smaller if the payments were applied correctly. I still to this day have not received any correspondence from them nor the refund.
XXXX XXXX, 2015 at approx. XXXX I got a robocall from an alleged debt collector from Dynamic Recovery Solutions. I 've never heard of this company nor do I have any debts. 

The robocall asked me to call XXXX. Suspecting a scam, I did not call back.
Harrasing and degrading phone calls .On XXXX/XXXX/2016 my mortgage called my work cell number after my numerous requests to stop contacting me through this number, As my employer does not allow these types of calls. my mortgage company has the number to reach my spouse to handle these calls. I contacted my spouse, to call the mortgage company. My spouse got in touch with our account rep, the representative proceeded to tell her my account was past due and i had to pay immedietly. When my wife told her when we could pay the payment the rep. stated we had to pay XXXX my mortgage is only XXXX, when my wife told her we could only pay the one full payment she stated, '' you need to sign your house back over to us because you obviously can not afford a home " this is a direct qoute from our rep. We are only late for the month of XXXX. The only reason we got behind was from the mortgage company drafting a XXXX payment out of my checking account after my last payment was already paid. this of course put my checking account in the negative causing over XXXX in over draft fees. It took my mortgage company a week to refund there mistake. being a family that lives week to week of course this put us behind. The told us they werent responsible for any overdraft fees and with limited funds i could not afford an attorney, So that left us trying to dig outta a hole they created .And luckily We have names, dates, reciepts as proof that this is not a fabrication of events. This IS how Ditech mortgage handles business.
1 ) Navient has called me every day or multiple times per day for an extended period ( months? a year? ) 2 ) I do n't owe anything to Navient. I have no debt, and have never had any debt, serviced by Navient.
3 ) Navient 's calls are automated and I can not speak to anyone on them.
4 ) Attempting to call Navient back results in a " our office is closed '' message. This is seconds after I receive the call, which means they are autodialling me when they do n't even have the base decency of having staff on hand.
TransUnion has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Additionally, they exceeded the XXXX response required by FCRA rules. Initial investigation started approximately XXXX/XXXX/XXXX Please see enclosed itemsACCOUNTS XXXXP XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SB XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX OF XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX FEDERAL XXXX XXXX/XXXX/XXXX BK CHPT XXXX COLLECTIONS XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX ...
I obtained a 1st mortgage ( via XXXX XXXX and a 2nd mortgage ( via Harris ) to purchase my property in XXXX. The second mortgage was a HELOC with a balloon payment at the XXXX year ( XXXX ). In XXXX, the loan matured and the remaining balance of roughly XXXX became due. Having never missed a payment and having always paid more than the payment amount, I applied to refinance the remaining balance. Since XXXX was reporting inaccurately to the credit agencies from XXXX until XXXX, my refinance of the remaining balance with Harris was denied. I still made monthly payments on the Harris account however, in XXXX the remaining balance was charged off as a bad debt. My credit accounts should reflect, " charged off, paying as agreed, '' but does frequently does not. Harris has been contacted regarding this issue at least twice, once in XXXX of XXXX and once in XXXX of XXXX. 
In a letter dated XXXX in response to my letter to Harris regarding inaccurate reporting, Harris stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect account reporting as charged off, paying under a partial payment agreement. 
In a letter dated XXXX in response to my letter to Harris regarding inaccurate reporting, Harris stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect Account reporting as charged off, paying under a partial payment agreement with all credit marks removed after the charge off date in XXXX of XXXX. 
I applied for a mortgage loan in XXXX of this year. I am in receipt of a loan denial because Harris is still reporting an inaccurate charge off date and is not reporting that the loan was charged off and paying as agreed.
Please see attached letters from Harris, loan approval and loan denial
XX/XX/2018 Pursuant to a dispute of the date of a Chapter XXXX bankruptcy filing, Trans Union declared the the information was verified an ( unnamed source ) verified the information.

Pursuant to FCRA, Section 609 a ( 2 ) I am requesting written proof of the verification of the Chapter XXXX bankruptcy, if this is not provided the bankruptcy must be deleted. Pursuant to FCRA this information must be provided within 15 calendar days, if Trans Union does not, it is a violation of the FCRA and the entry must be deleted.

Pursuant to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of the reinvestigation. I am requesting a written description of the procedure used to determine the accuracy and completeness of the information provided to TRANS UNION, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 

It is without dispute FCRA requires the furnisher of the information must ( in this circumstance ) be directly from the UNITED STATES BANKRUPTCY COURT XXXX   DISTRICT OF FLORIDA, not a third-party agency to verify disputed information. 

Attached is the investigation results of the Trans Union report and a copy of this document. 

Regards, Mr. XXXX XXXX
PROFESSIONAL DEBT MEDIATION SENT DEMAND NOTICE FOR FRAUD ACCOUNT NOT MINES ... 2 DIFFERENT COMPANIES ( XXXX XXXX and Professional Debt Mediation ) ASKING FOR SAME PAYMENT VIOLATES FCBA/ FDCPA AND ACCOUNT OUTDATED 2012, VIA CONSUMER LAW ; GEORGIA STATE STATUE OF LIMITATION OCGA 9-3-23 AND OCGA 9-3-25 HAS EXPIRED TO COLLECT ACCOUNT OVER 7YRS OLD ... NOTE : FORMAL COMPLAINT FILED WITH " BBB ''
I have submitted request for removal of unauthorized inquiries into my credit report to both the credit bureaus ( XXXX, XXXX, XXXX ) and the companies that requested my credit report ( [ XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX  Inquiry from XX/XX/2018 ], [ XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX - XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX - XXXX Inquiry from XX/XX/2018 ], on three different occasions and till date I have not received a response from anyone of them.
Citimortgage was sued successfully by the National Mortgage Settlement and by a class action lawsuit for force placed insurance vs the State of New York. I was fighting my foreclosure case from XX/XX/XXXX to XX/XX/XXXX. During this period, no funds were awarded to my loan and before an auction date was set, they sold my debt to XXXX XXXX XXXX. I firmly believe, in my own opinion, this was an attempt to ignore legal responsibility and make said settlements " disappear ''.
There is a collection account on my credit report that I have continuously disputed because it is completely inaccurate. I do not owe the amount reported, and the collection agencies can not provide any evidence to prove and/or verify the account. The account keeps being transferred from one agency to another, with no accountability, while severely damaging my credit ( and my ability to refinance my home ) and creating a financial hardship by reducing my income. 

In the last year, this account has changed from XXXX to XXXX to Automated Collections to the current holder, XXXX. I have sent letters by certified mail asking all of these agencies to verify this debt, and they have not. Automated Collection/XXXX is not only reporting this inaccurate account on all three of my credit reports, but they are also intercepting any federal payment to me. They have reduced my XXXX income and they also withheld my federal tax refund. As of Tuesday, XXXX XXXX, 2016, a staff member from Automated Collection, XXXX, stated that they have my case in dispute and they will respond in writing in a few weeks. This is unbelievable and completely unacceptable! I still have n't received a response to date. I retired from my job for health reasons and this is creating a serious financial hardship. This is not my account! 

Following my series of disputes to the credit bureaus, I finally received a letter from XXXX XXXX last XXXX stating that they could not verify the account ( please see attached ), and would return the account back to the original creditor and delete it from my credit files. To date, it is still on my report, which is the account transferred to and now reported by XXXX. The credit bureaus keep sending me responses that this account has been verified, although neither XXXX XXXX nor XXXX ( or any of the other collection agencies ) can verify it, and despite my sending them a copy of the attached letter confirming this fact. 

During the first week of XXXX, I contacted both Automated Collection Inc. and XXXX again, and received the usual runaround. On the morning of XXXX XXXX, XXXX, an XXXX staff member, informed me that XXXX sent an email on my behalf to Automated Collection Services on XXXX XXXX, 2016, asking them to release the intercepted Federal payments, including our income tax refund, and said they are waiting for a response from Automated Collection Services. I never receive any responses or updates, while my credit continues to suffer and my income continues to be unjustly taken from me! I urgently request your help and assistance, as I have written several letters and made several calls, to no avail.
XXXX - I was laid off and tried to get a loan modification. Was told the only way to get one was to stop paying my mortgage. They tried to foreclose. I referred to the direction I was given and tgat the call was recorded and got the modification. 


XX/XX/XXXX- Tried to pay directly from my wife 's 401K, was told it was no problem. Then, after calling everyday for over a month, found out they were trying to foreclose again. At this point ( XX/XX/XXXX) I was forced to file for bankruptcy to keep my home. 


XX/XX/XXXX- XXXX, I began a refinance with another lender. In XXXX, I still had n't received a payoff demand. In XXXX an innacurate payoff demand was sent on the XXXX. The WI attorney working for Flagstar refused to discuss this with me, forcing me to use my attorney at coat to me. 


Today a Flagstar representative said I needed to speak with the manager of my account that I did n't know I had, and had n't spoken to one time in ten years. She said she could not discuss my case even though my lawyer released them to speak with me and that my account manager was leaving the office and there was no supervisor available to speak with. Again I noted that the call had been recorded and may be subpoenaed in the near future. I received a call 30 minutes later from a manager that said he  emailed the VP of his department with all the changes I needed to be made to the payoff demand : *Change " good through '' to the end if this month ( XXXX ), originally the XXXX and not feasable at this point. 

*Indicate that XXXX payment was received, this was ommitted originally and made it impossible for the new lender to accept. 
*Return escrow to me so that I can pay my taxes, this amount was credited to the payoff total originally. 

My Grace period ends today, my new lender is not collecting XXXX or XXXX payment from me and I ca n't help but think that Flagstar is trying to bully me into staying or run a backdoor foreclosure on me.
XXXX XXXX takes care of the XXXX XXXX store cards. Their website does not work. From XX/XX/XXXX to XX/XX/XXXX, it showed I owed nothing yet I started to get calls all hour of the day and night at home, work, and on my cell phone saying I owed money. I just recently paid the entire card off and they reported me to the credit bureau for a delinquent account. 

Even when I try to contact someone, they hang up on me and will not let me speak with a supervisor when the representative can not answer my questions.
Elan Fi nancial Cardmember service   XXXX   XXXX    XXXX   XXXX , ND  XXXX  Closed my Credit card account without my permission or knowledge they used a  XXXX  request to close my account from another party, when i called and questioned this i was told that I requested the Closure ( I did NOT!! ) when I informed them that i did no such thing i was told well it looked like you so were sorry but there is nothing we can do when i asked to speak to  a manager about it i was told they did not have time to talk to me and they would have to return my call within 24 hours it has now been more than a week since i reported this fraud and NO one has conta cted me regarding this problem
I have had this issue on and off for years. My report can not be accessed by myself or creditors. I called the public affairs department and they tell me they do n't see an issue. I do n't know what to do - right now I ca n't get insurance because they company ca n't access my Equifax report. When I have called/complained to the CFPB previously, they fix it but the fix only lasts a month or XXXX. I need to be able to consistently access my report.
In   XXXX  , after Hurricane  XXXX  I applied for and granted a forbearance ( Disaster Relief ) by  XXXX . As stated in prior complaints this company is very deceptive, I have been notified by  XXXX  credit reporting agencies that my payments for the  XXXX  months for forbearance are now being reported as 90 days late. This has tremendously brought down my  credit score.  I spoke with the Ombudsman from  XXXX  who assured me, as well as apologized  XXXX  times. That my credit would in no way be effected, these payments would go on the end of my loan. However, this is not the case. It has also been reported that they were late payments made in  XXXX  and  XXXX  that are not true,  XXXX  said these should have been removed in  XXXX . Looks like that was another lie. I am suffering from  XXXX   XXXX  and the undue stress of their practices is wearing on me. I think  XXXX  needs to understand everyone is not going to stand for their bad practices.     I would like this resolved ASAP, as I look for another mortgage company to service my needs.
I submitted a dispute online with Equifax on XX/XX/XXXX. I submitted proof that all inquiries on my credit report from XXXX XXXX were not accurate and I attached letters from XXXX XXXX advising that they should be removed. I received an email at XXXX on XX/XX/XXXX from Equifax investigations that the dispute was completed. When I went in using the Confirmation Number it gave me, no records were found. I then tried logging in via another web browser thinking perhaps it maybe was XXXX XXXX. To my shock again, they ca n't locate the dispute. I tried calling them at XXXX to be told that no representatives were available and to call back during normal hours. Mind you it was 5 minutes pass the time they state they are open! And switched to the automated system for the results only to be pushed BACK to the website. I have a confirmation page printed from Equifax 's site of my initial dispute, but NOW you ca n't find me? XXXX! This is a stall tactic and quite frankly I have had it up to my neck with Equifax so much as that I have now contacted an attorney. You ca n't not protect someone 's information with all of your ridiculous XXXX breaches. Then guide individuals to dispute inaccurate data and then and then you do n't even have the decency to do your XXXX job and investigate? You all are thieving, manipulative XXXX XXXX who surpass the line of incompetency that is mind boggling. You need to provide my XXXX results or be prepared to face me in court because I 'm tired!