WillisBack/dataset-financial-user-claim huggingface dataset:
I have an escrow account with my mortgage company to pay my property taxes and homeowners insurance, my 2015 summer taxes were not paid by the mortgage company they are delinquent XXXX XXXX, when I discovered that the taxes had not been paid I called the mortgage company to tell them, I was told that they cut a check XXXX XXXX, 2015, I told them that the city did not receive the check I was told that they would give it to the department that handles the Michigan taxes, I said ok, then I receive a letter from the City XXXX, on XXXX XXXX, 2015 stating my taxes have not been paid and penalties and interest are added I called the XXXX department back at the mortgage company and was told that the first check in the amount of {$3200.00} was put back in my escrow and a new check in the amount of {$3400.00} reissued, ( which means the took the penalties and interest from my escrow also which should not be done ) the said that check was sent on the XXXX of XXXX, I called the City of XXXX to see if they had received the new check today they had not I called the mortgage company to tell them that my taxes are still not paid, and all I get is the run around. I have come to the end of my rope with this mortgage company, I have had nothing but problems with them since my loan was transferred to them almost two years ago.
Below is a log of phone calls I've received from Halsted Financial Services LLC of XXXX, IL. Plus two calls I made in return, yesterday and today. Many of these calls made to me resulted in brief voice mail recordings. No message was left, only the sound of a phone center " boiler room '' operation. Every recording sounded alike. I believe that they are being made from a single location, using various spoofed/forged phone numbers. 
XX/XX/XXXX : XXXX SEVEN CALLS XX/XX/XXXX XXXX SEVEN CALLS XXXX TWO CALLS XX/XX/XXXX XXXX THREE CALLS XX/XX/XXXX XXXX XX/XX/XXXX XXXX TWO CALLS XX/XX/XXXX XXXX THREE CALLS XX/XX/XXXX XXXX TWO CALLS XX/XX/XXXX XXXX XXXX TWO CALLS XX/XX/XXXX XXXX THREE CALLS ; called back once, spoke to unnamed person, told them to stop calling, told me number would be removed. 
XX/XX/XXXX XXXX Caller with accent demanded to speak to XXXX ( unintelligible, perhaps XXXX : I got numerous bill collector calls for him at my previous number! Which was not forwarded to my current number! ) I asked him what company he was with. Refused to tell me, Argument ensued. He hung up. 
I phoned number back, asked to speak to a manager. A person with a heavy XXXX XXXX ( XXXX, XXXX? ) accent came on, identified himself as " XXXX XXXX. '' I told him that he was giving me a fake name. He did not deny that but refused to identify himself. He did tell me that his firm is Halsted Financial Services of XXXX, IL. I told him that I've received numerous calls from various area codes, which I said are forged phone numbers. He claimed that there is a call center for each one. He said that it would take 24-48 hours for calls from the company to stop. I demanded that the calls from Halsted stop immediately. I was given no firm committment to that.
I accidentally made a payment online twice via ACH though my checking account. I immediately called them to cancel the second one that still showed pending on my transaction history screen. They told they would not cancel the ACH and that I would have to issue a stop payment through my bank. Which would have caused the payment to be returned with them resulting in additional fee 's from Compass. My bank would have also charged me a stop payment fee on the ACH transaction as well. The rep I spoke with was XXXX. I finally told him to post it as a principle only transaction since they refused to cancel it.
I went to the XXXX XXXX XXXX on XX/XX/XXXX and reported that the battery on my XXXX is not staying on. The guy working there ( XXXX ) told me he could fix it. I went to pick up and did not realize till I got home that he never fixed.I went back there twice and called over there half a dozen times with the store reps playing games and telling me I had to come back etc. Since I paid with my XXXX and assumed I was perfectly okay I called BOA to file a dispute as the service I requested was never done. I even told them I would mail the XXXX so they could check and trash upon completion as the XXXX is useless to me now. BOA issued a temporary credit on XX/XX/XXXX but I was shocked when they sent me a letter they would reverse credit 2 weeks ago. I thought the whole point of paying with XXXX   was confidence. They never investigated, did not try anything, did not request XXXX for evidence. When I called over there on XX/XX/XXXX, the BOA rep I spoke with advised me the credit was a courtesy and that if the business does not assent to a credit, they can not process. I was never aware that is how it works. Please investigate Bank of America for misrepresentation, negligence and underhanded tactics. This is not how XXXX works, not to my knowledge or everyone would be carrying cash around and paying with cash.
CAPITAL ONE BANK USA XXXX, reported to the XXXX major credit bureaus that I was 30 days late from XXXX XXXX through XXXX XXXX and also XXXX of XXXX. I have had the account on automatic payments for more than the required amount due every two weeks and have since the beginning of this credit card. I have contacted them on numerous accounts to resolve this discrepancy of which none have yielded valid action to rectify their major reporting deficiencies.
Enhanced recovery collection agency is trying to collect a debt from XXXX that I do not owe account # XXXX for XXXX as well as re ageing the debt to make it look newer on my XXXX credit report I have tried with no avail to convalescent this to them. This illegal debt collection needs to be stopped and deleted or legal action against the collection agency and XXXX will be my next course of action.
I enrolled in school and never attended for XXXX. I contacted the school several times and was told everything was okay. I now on my credit report have not XXXX but XXXX collections that were turned over for a school I never once attended any classes in. I have disputed via my credit reports and can not seem to make any progress with that. But the account is not mine let alone now XXXX of them showing.
I have a bankruptcy listed on my report that was previously dismissed due to mismanagement by XXXX. The case was not well handled.
Hello, My name is XXXX XXXX. 
I am wanting to submit a complaint for XXXX XXXX/ XXXX XXXX . I've been disputing late payments with them for months, with no results. I fell back on payments XX/XX/XXXX-XX/XX/XXXX due to a family emergency which caused me to leave the country for the time being. 

I have sent explanation to XXXX in writing over 5 times! with 2 additional letters being sent in XX/XX/XXXX, and have been turned down on all. I understand it is indeed my responsibility to make payments but this emergency was unseen. I have always been current following XX/XX/XXXX, always paying more than minimum amount required and maintaining a low % usage as needed. 

This complaint comes due to me being denied the help to correct this with the 3 credit bureaus. I am aiming on becoming a home owner by XX/XX/XXXX and this is the only negative mark on my credit which is holding me back from being where I need to be. 

I'd greatly appreciate the help, and will continue to keep my account in good standing. 

Thank you, XXXX
We have been in default and trying to refinance our mortgage for several years now. Our most recent attempt resulted in a letter from Wells Fargo saying they do not have the authority to offer a HAMP modification as servicer to our mortgage. Wells Fargo was the original note holder and transferred it into a trust held by XXXX XXXX XXXX. Both Wells Fargo and XXXX HAMP are bound by the 2012 XXXX standards and must under law review our mortgage for a HAMP modification, however we believe they are attempting to use the TRUST to avoid this legal requirement. It is our belief that they intend to wait until HAMP has expired and then release the deed from the trust and then foreclose, circumventing their lawful requirement to offer us a HAMP modification.
The issue is happen in XXXX XXXX, 2017. I am a foreign people who are using the Coinbase service to purchase cryptocoins. I can able to purchase and sell coins before XXXX. However, the policy changes on XXXX without any notification. I am required to provide a SSN in order to sell ( or buy ) the coins. Since I am not holding any SSN and coinbase does not inform about the SSN issue, all of my money in coinbase in locked ( around {$3000.00} USD, all of my fund are come from my parent as a gift ). I can not able to withdraw and input any dollar inside, and they are holding all of my coins. If coinbase needs to modify their policy, they should first notice to the customers first or they should n't give a open account to foreign people. I am asking to temporary open buy/sell platform for 7 days in order to sell all of my cryptocoins. Otherwise, coinbase is taking my property using cryptocoins
I am wanting to file a complaint with your agency against Experian Credit reporting agency, I have filed letters and called numerous times in recent months to report several unauthorized inquiries being reports on my credit report, but they have not helped one time to assist with this sensitive matter. The following unauthorized inquiries were brought to their attention : EXPERIAN XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX, XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX EXPERIAN EXPERIAN XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX  XXXX XXXX   XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX   XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX   XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX  XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX  XXXX XX/XX/XXXX EXPERIAN
Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by Equifax, XXXX, and XXXX. One is XXXX XXXX. 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$370.00}. This was due to them buying an account from XXXX ( Cell Phone ) who claimed that I owed this amount. I explained to both, The Credit Bureau, and XXXX XXXX that I am a US Soldier, and I did not owe XXXX a remaining balance, that I had contacted XXXX concerning this amount, and they were unable to find my account with said balance owed. I now owe XXXX XXXX this balance of {$370.00}, whom I have no business with. I have never signed any contract with this company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.
My personal information was improperly handled by the company in question and i 'm now at a significantly higher risk of credit fraud and identity theft.
I applied for loan was told one thing it turned out to be another I was told it would be taken out once monthly instead they called me and told me that it would be deducted twice a month and the markup was 200 percent. I told them that that was predatory lending. and that I would be contacting the proper authorties
I have a fraud alert on all XXXX of my credit reports. I have reported that numerous accounts are not mine. XXXX XXXX XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX XXXX
In XX/XX/XXXX I closed my account with XXXX company. There was an issue of returning back the receiver, due to an inefficient work of some XXXX employees. 
After the receiver could n't be returned for a few months, XXXX sent the account to collection, XXXX  company. XXXX opened the collection account in XX/XX/XXXX. 
After the conversations with both XXXX and XXXX the problem was resolved and in XX/XX/XXXX XXXX sent me a letter, with copy to EXPERIAN to delete the collection item from my credit report. 
EXPERIAN refused to delete the item, even if EXPERIAN acknowledged the receipt of the deletion letter from XXXX. 
EXPERIAN stated, that XXXX, notwithstanding the fact, that sent to me the deletion letter, insisted that the negative item stayed on the report. 
My calls to XXXX resulted in assurances by XXXX, that they asked EXPERIAN to delete the item. 
EXPERIAN is telling me, that XXXX said to EXPERIAN, that the item should stay. 
Enclosed please find the deletion letter from XXXX.
Car was broken into and had my wallet, laptop, and other items stolen on XXXX XXXX, 2016. I filed a police report and reported stolen for all my cards. All the cards came except the Bank of America debit card, a card that I rarely use. On XXXX XXXX, the thieves started using my debit card for withdrawals at various locations, and even went to the teller to withdraw {$8000.00}. I found out on the XXXX as I was getting ready for another deposit but the balance was not close to the number that I last remembered and so I went to Bank of America XXXX XXXX XXXX XXXX ) to call to have the account frozen. The next day, they were still able to withdraw {$500.00} from the account and I called BOA again to express my concern. The office claimed that I did not report anything until the XXXX which was incorrect and refuse to take any responsibility for the fraudulent charges. The person broke into my laptop and had access to my password files in which they even went online to change the primary and secondary contact information. BOA claimed that they have called me regarding unusual activity regarding the account but I did n't receive any and my telephone bills has evidence of that. I have filed with the FTC, XXXX credit bureau, FBI, and police station regarding this case and the status is still pending. I have requested multiple claims with BOA and they have denied the claims for the 2 times that we have appealed. I have also sent them a letter regarding the extra documents that they requested but have not heard from them since. I want this to be taken care ASAP because I have n't used a dime on this account and there was a fraudulent charge of over {$13000.00}.
Santander Bank began to offer an account called extra20 Checking in XXXX XXXX. Santander Bank heavily advertised this product as " not a promotion '' and made implicit and explicit guarantees that if you opened an account, you would have it forever. I was one of many people who chose to switch to Santander because of these promises - it is not an easy task to switch bank accounts, but the bonus made it worth the switch, despite being an otherwise inferior bank. In XXXX XXXX, Santander decided that they were no longer going to offer this product, which is completely in their right. In XXXX XXXX, Santander decided to move every existing customer out of their extra20 Checking product and into a different product that does not pay the monthly bonus that they had guaranteed. I believe that what Santander did was bait-and-switch at best and criminally deceptive at worst. As an example of this, I was able to locate one of their advertisements stating how much you would earn in 5 years with this account - this would be impossible considering the longest that anyone could have stayed in the account is less than 3 years.
Amerihome Mortgage is rejecting my monthly payments and is trying to purposely take away my home.

Please help!
This debt was reporting to my credit report since XX/XX/XXXX which is not even mine. I tried to disputed with the bureau keep coming verified, but I dont have knowledge of it. I try to contact the creditor to validate the debt they also failed to validate, then I contacted back the bureau says that they creditor failed to validate this debt, which I request immediate delete of the debt. But they bureau refused to remove the debt, it only XXXX  I think who deleted. On XX/XX/XXXX I sent another letter to the creditor request immediate validation they failed again to validate. Instead of validate the debt, they put a duplicated account again on my credit report ; the same account number, the same amount {$410.00} and change the opened date to XX/XX/XXXX. They have violated my rights to not notify me by sending me a 30 day notice so I can dispute the debt. The failed also under the FDCPA. Information must be correct and 100 % accurate.
in XXXX XXXX my co-signer assisted me with a loan from GM Finanicial. in XXXX XXXX she was declared XXXX in the XXXX XXXX probate court and issued a guardian the guardian wants her off the loan .GM finanicial refuses to release her from the contract. she did not make any payments on this loan, I have been the sole party responsible for the payments and I will continue to make the payments. she is a ward of the state now and should be released from this contract.
On XX/XX/XXXX, I formally requested removal of PMI for my mortgage stating that Ive reached 80.0 % LTV. My mortgage is held by Sierra Pacific Mortgage and serviced by XXXX. 

On XX/XX/XXXX, I received a letter from Sierra Pacific Mortgage stating some conditions for PMI removal. Among those conditions were that a ) for primary residences loans, less than 5 years old require LTV of 75 % and b ) for multi-family residences the required LTV is 70 %.  They also stated I would have to pay for an appraisal. 

My mortgage disclosures from Sierra Pacific at the time of my mortgage closing very specifically state that my required LTV is 80 %, at which time I can request PMI be removed. The Sierra Pacific Mortgage website for my loan also states this 80 % LTV. 

At no point prior to receiving their letter was any 70 % or 75 % LTV requirement mentioned. 

I called Sierra Pacific repeatedly to address this issue. I talked the front line support about this and they would not put me in touch with the PMI department. They told me my PMI cancellation request was denied and that I needed a mortgage balance of {$440000.00} ( 70 % ) LTV to remove PMI ( my property is a two flat ). 

At this point I escalated the issue to a supervisor ( XX/XX/XXXX ). I was transferred to XXXX XXXX. He told me that he would reach out to the PMI department and get me more information in 3-5 days. I called XXXX XXXX on his direct line ( XXXX ) and left him message on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. He did not answer or return any of my calls. 

At this point Ive hit a dead end. I cant get in touch with any one helpful to remove my PMI and Im continuing to pay it despite hitting my requisite loan to value.
Company name-   XXXX   XXXX   Account balance starting back to  XXXX   XXXX , {$2500.00} Payment amount monthly- {$390.00} Balance as of this day including sending a check for {$2500.00}  XXXX   XXXX ,  XXXX  for pay off includes an additional amount of {$960.00}. Have an email confirming additional amount squeezing me for more money.
I provided XXXX  and XXXX with copies of the court document showing proof the Judge granted the Judgement in my favor. XXXX and XXXX have contacted the collection agency twice to verify the account. The did not contact the court involved and verify the information proving the Judgement was in my favor and this item should be removed from my credit reports. I filed a complaint with CFPB on XXXX less than 30 days ago and they till verified with the collection agency rather than the courts. They still refuse to remove this collection from my report. This is the first report with XXXX. XXXX  has removed the item as they verified the documentation.
Solicitation from American Express for premier rewards card with no clear and distinctive reference to it being a charge card. Furthermore it is to paid in full at end of the cycle and no clear and distinctive reference in the entire contents of the solicitation. 
Letter from American Express customer advocate services team states the pay over time with information with the APR are in a separate letter. 
Conclusion of such practice is Consumer misleading with no clear disclosures and enticing offers that could be a potential debt trap.
STUDENT LOAN FORGIVENESS SCAM- I was contacted by a representative named XXXX XXXX XX/XX/2018 via phone from the company XXXX. He claimed that XXXX was a third party company that worked along side my student loan lender to help eliminate interest charges on my loan and to break down my payments into more affordable ones. He stated I was eligible to rid all interest accrued, make the first four payments $ XXXX/month, and I would then after only need to pay $ XXXX/month for the next 3 years until paid off. Every detail seemed very legit to me considering they had me sign a " contract '' with my social security number already on it ( which I never gave ) and a " forbearance form '' for them to give to my lender. Having little knowledge and experience with this type of situation I was taken advantage of. Luckily I started piecing it together. The day after my first payment was due ( due XX/XX/2018 ) I decided to do some research before the charge of {$110.00} completely went through on my credit card. I contacted my student loan lender ( XXXX  ) XX/XX/2018 to see if they had been contacted by XXXX at all. It was then I was told that my student loan company NEVER uses third party companies to assist with any form of loan forgiveness and that they have their own means in assisting borrowers with such. I immediately thereafter contacted my bank to have the transaction flagged as fraud, closed that credit card account, and was issued a new one. I emailed XXXX XXXX from XXXX whom was the last person to email me that I had reported them as fraudulent and to no longer contact me. Now somehow as of XX/XX/2018 a charge of {$110.00} has been taken again by this company which I have had to report yet again with my bank. Somehow the withdrawal is dated as ( XX/XX/2018 ) in my account. Huge headache.
On XXXX XXXX, 2017 someone tried to open up a Walmart credit card in my name. I contacted the company and never heard back what happened or the results of the investigation. On XXXX XXXX, 2017 someone tried to open up a Walmart credit card in my name again. I 've contacted them again but they did n't have anymore information again. I want to know who keeps trying to open up a credit card in my name at Walmart, to date Walmart has done nothing nor reported their findings to law enforcement. Walmarts contact information : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX