WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern : I spoke to a representative XX/XX/XXXX making sure what I owe to USAA credit card will be handle clearly and smoothly and I am paying in a timely manner. The evidence was recorded as well because if you call them they will mentioned " our conversation will be recorded ''. They gave me option how to pay my credit and I agree with the settlement. I authorized them to deduct my payments thru my checking acct starting with {$55.00} and the upcoming months will be {$75.00} and the last month I will pay is {$110.00}. XX/XX/XXXX I called USAA just making sure what I owe is getting lesser ; I didn't expect what the result was {$730.00} which should be {$540.00} I start paying {$55.00} the month of XX/XX/XXXX and starting XX/XX/XXXX until XX/XX/XXXX I will be paying {$75.00} and then XX/XX/XXXX will be {$110.00} and that will be my last month to pay and I am free from debt to them. I called but they were not answering. I called someone answered and if they gon na transfer me to the department of billing and collection it will ring then after voicemail. This time I should be free from debt to them but they're making a hard time for me. Miscommunication and they should fix this and they're the reason why my credit score is low and may you fix that! I was a member once I deserve to be treated well not deceiving, and you fix my credit score.
I paid off my loan in full and they are reporting I still ow the full amount to XXXX. I filed a complaint with XXXX but the company is not responding and delaying the resolution meanwhile lowering my credit score, which they in turn used to deny me a new loan.
Lending Tree provided my S S # to at least  XXXX  auto refinance businesses without my consent.   XXXX  This resulted in at least  XXXX  new hard inquiries I did not authorize  : 1.   XXXX   2.     XXXX   XXXX   Again, I DID NOT authorize this.
Bank of America can only initiate foreclosure 30 days after contacting ( or diligently attempting to contact ) borrower to discuss foreclosure alternative in accordance with California Civil Code 2923.55 ( a ). Only after ensuring the NOD, NTS, assignments, and substitutions of trustee are accurate and complete and supported by competent and reliable evidence in accordance with California Civil Code 2924.17 ( a ), and after substantiating the borrower 's default and servicer 's right to foreclose in accordance with California Civil Code 2924.17 ( b ). 
Bank of America has not complied with the California Homeowners Bill of Rights as declared in the Bank of America California Declaration of XXXX XXXX, 2016, page XXXX of the XXXX XXXX, 2016 Notice of Default ( NOD ). Bank of America 's substituted trustee, XXXX ( XXXX ) and their third party servicer XXXX XXXX, did n't even know this borrower has been previously approved, offered and accepted a MHA HAMP or this home loan mortgage account is Housing and Urban Development ( HUD ) insured demonstrating noncompliance with the California HBOR as referenced above. 
According to Bank of America 's own generated documents and documentation, the Bank has not contacted or attempted to contact me prior to the recording of the XXXX. Bank of America 's own records also indicate this home loan mortgage account and borrower remains pending in the modification process. If Bank of America 's own records are not competent and reliable evidence then the only record to be considered is the first-hand account of the borrower. 
I know Bank of America has not complied with the XXXX ) enforced by the California HBOR and have not demonstrated the right to begin the foreclosure process to date. Generating correspondence that do not address my concerns and cite previously bank generated documents does not establish the contents of those documents as truths, especially when those documents cited are post XXXX XXXX, 2016, the date of the Bank of America Appeals Department Appeals Report and supporting documentation granting MHA HAMP and directing the Bank of America Underwriting Department to forward borrower into a MHA HAMP TPP.
I am a XXXX parent and there was a person disguising himself as a parent looking for housing for his daughter while attending school in California. I have worked with XXXX within the past three months, so I did not think this person would send me a fake check, I deposited it the bank, so it did not clear with my bank HSBC. The manager of the branch with HSBC closed my checking account and reported me to a XXXX agency, which will destroy my chances of getting another checking account. Also, I had been trying to get an overdraft account with HSBC, but they would not allow me XXXX, even though I had direct deposits of over {$5000.00} put into my account every month. They just continued to charge me overdraft fees which totaled over {$790.00} so far this year in 2016. The bank manager is practicing discrimination and is ruining my credit. At this point, I only wish to have my name removed from XXXX because this situation with a criminal embezzling money from my checking account was at no fault of my own. Also, the {$790.00} that HSBC would cover some of the loss, and they would not even investigate this fraud - the manager just reported me to XXXX.
In XX/XX/XXXX I went for annual physical at XXXX XXXX XXXX XXXX XXXX and was told that my insurance would cover the physical which has every prior and every since. When I went to this 'doctor ' it was obvious from the start that it was shame, I've never had a physical like the one I had at this place. I'm pretty sure the person who saw me wasn't a trained medical professional. A couple years after my physical I was sent a bill for {$480.00} and at that time I wrote saying I wasn't paying because they didn't provide the service they were supposed and I was told insurance would cover the cost. A few more years went by and they got COMMONWEALTH FINANCIAL calling me nonstop from a variety of numbers. The charge and service was fraudulent to begin with and now I have these guys calling me nonstop throughout the day.
Penn Credit Corporation keeps calling home phone number for someone named XXXX XXXX. They 've called numerous times and when I told them I do not know that person, they still continue to call. I 've asked this number be removed and a little over an hour later, they called back and when I again told them I do not know that person, and to remove my number, they hung up on me. They need to research their contact information and quit calling wrong numbers.
On XXXX XXXX, 2017 I submitted payment for my California XXXX reneeal tags to a company out of XXXX XXXX to expedite their service in 1-2 days. I received immediate confirmstion by email of my payment. On to two weeks passed still no tags. Im drivinf around with no current tags for over 6 weeks now. Made numerous calls, emailed the company but never could get a hold of them. I went to the XXXX office to ask what to do. They advised me to have my credit card company file a claim because just with my receipt from that company they werent able to issue me my tags because they did not receive payment from that company. 
I reached oit to XXXX XXXX. This is where the real nightmare began. They filed a claim on my behalf but stated that i didnt authorize payment. Which was untrue. They just didnt listen. So after submitting my documents to them i was denied my claim and they sided with the merchant. I asked for copies of the documents to support their decision. Never received them. After calling 3 xs a day and being disconnected 2 out of 3 times unexpectedly with over an hr wait. XXXX agreex to open another claim for services not rendered. So they say. XXXX comes around and its 3 months now im taking the risk to drive to necessary places without my current tags. I had enough saved to pay cash to XXXX for tags I had already paid in XX/XX/XXXX but never received. I submitted my receipt to XXXX showing that the merchant they sided with never paid XXXX  and kept my $ XXXX. 
I still never got a response back from XXXX XXXX.i cant afford to pay twice for tags. I continue to call XXXX who says they will be sending out documentation that they received from the merchant that services were rendered. And to check my email. Nothing. XXXX has sent nothing to me because there is no evidence. This company straight out kept my money and XXXX XXXX did not investigate lime they should have.
In XX/XX/XXXXI filed Bankruptcy/case number is XXXX. Attorney XXXX XXXX added XXXX XXXX XXXX  XXXX without my permission. I was discharged in XX/XX/XXXXfrom wageearner. The case number was XXXX, XXXX XXXX was my mortgage. I learned he was working with XXXX XXXX/aka XXXX XXXX XXXX who posed as a paralegal with the XXXX XXXX XXXX. The XXXX Family have been working with an attorney name XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Tennessee XXXX. My credit report shows the date for XXXX XXXX XXXX XXXX purchase was for XX/XX/XXXX. Which is impossible because that is the year I originally purchased the property at XXXX XXXX XXXX XXXX TN XXXX. I told the trustee XXXX XXXX I was a victim of identity theft. I was told to notify my counsel. Neither Attorney XXXX or Attorney XXXX XXXX XXXX would listen to me. The sell of the property was done without my presence. I never received anything. All the information I now have is what I 've pulled. My mail was being stolen. A attorney was kind enough to pull information for me. XXXX County Register office sent me a copy of the deed. The number is XXXX. It shows the property was sold for {$18000.00}. Yet a XXXX was reported to IRS using The Department of labor Federal Identification number. Which is XXXX. The amount reported to IRS in XX/XX/XXXXon the XXXX is {$23000.00} + {$9900.00} using my social security number. Account number XXXX was referenced. A different address was used for Tennessee Housing Agency. The address reported to IRS is XXXX XXXX XXXX XXXX XXXX. The address on the deed for Tennessee Housing is XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. I received a letter from IRS dated XX/XX/XXXX. They are still investigating the XXXX identity theft form I sent them. These people needs to be prosecuted. IRS sent me the transcript in XXXX. I recently learned of this fraud. Court documents have been tampered with.
Regions Bank has repeatedly charged overdraft fees for charges that are pending and have not been drafted from my account. I am attaching a screenshot of my account. I had a balance in my account and several pending charges that had not cleared my account yet. An overdraft charge was charged to my account which resulted in a negative balance. The money is there for the pending charges, so I was charged an overdraft fee for charges that could possibly result in an overdraft but have not cleared the account or been charged to the account yet. I don't feel overdraft fees should be charged until pending items have actually cleared or posted to the account.
Citi mortgage perpetrated loan modification fraud on me and sold my mortgage to XXXX. All we wanted to do was PAY our payments in installments. They said sure. Just do a loan modification.They tricked us. They added XXXX dollars to our principle. XXXX will not help me. Will you?
I made a previous complaint # XXXX which was answered by Freedom Mortgage in an email stating they made an error I asked for a new escrow disclosure statement and a call from Freedom Mortgage so I could see the numbers and what the payments would be. I received a letter from them on XXXX XXXX, 2016 and at this time XXXX XXXX, 2016, have received nothing. My first complaint was never answered and the whole case is still ongoing. Also all I get is the repeated harassment, many letters from Freedom Mortgage to refinance.
Commonwealth financial is trying to collect a debt that 1. Has already been paid 2. Accounts were removed my my XXXX credit file in XXXX XXXX and commonwealth re added the accounts ( after removal ) in XXXX XXXX. 1. Accounts were paid 2. Accounts are past the statue of limitations on which it can collect.
I got cheated by on online seller who sells computer virus protection I contacted direct express they said we will help you get your money and if not we will refund you your money after investigation they said they are not able to get the money from the business nor will they help with the refund all they say is we are sorry you got scammed
Equifax recently started reporting a joint installment sales account under the name " XXXX '' to my credit report and this is not my account. It is being reported as a past due debt of {$630.00} with account number # XXXX. This has never been on my credit report before until recently. I am constantly monitoring my credit for fraud so I got on top of this the moment I discovered this was on my credit. It appears to a be financial advisory firm in XXXX XXXX. What is strange is that I have never lived in XXXX in my life. I have only lived in XXXX XXXX and now XXXX XXXX. My credit report and address history can confirm this. I called this company at the XXXX number provided on my report and they could not find any accounts in my name nor in my husband 's name. Knowing this information, I know that Equifax is clearly making a mistake. The person who assisted me told me that I would need to dispute this mistake with Equifax to get this off my report. This is the reason I am filing this complaint.
Hello, Since XX/XX/XXXX, my husband has been paying our home owners insurance directly to our insurance company, XXXX XXXX, yet Roundpoint Mortgage keeps billing me for a monthly escrow for homeowners/hazard insurance. 

I have called them numerous times to ask them to remove this monthly charge from my mortgage payment and they tell me that it is not possible. Last summer, they sent me a refund for the escrow balance of XX/XX/XXXX -- due to unnecessary payments to them for home owners insurance that was already paid. 

I received an end-of-year statement for XX/XX/XXXX that I had a closing balance of {$1600.00} after the appropriate disbursements were made for property taxes. When I called them in XX/XX/XXXX, requesting my refund ( for homeowners insurance payments, that they keep charging me ) I was told that they could not refund the money until they reassessed my escrow account. 

They reassessed the account in XX/XX/XXXX and are still refusing to send my refund. In addition, I am still being charged a monthly home insurance escrow fee -- even though they have received a declaration from our insurance company, twice. 

I would like them to stop charging me escrow fees and then holding that money for over a year, then refusing to refund me when I ask for MY money. I have gone through this process with them numerous times and am exhausted each time because they act as if this is the first time, they don't know what I'm talking about, they just repeat the same info and tell me there's nothing I can do. 

I was keeping track of our email correspondence through their online secured messaging system, but now they have done away with that feature. So, I can no longer track our documented trail of correspondence. I have asked them for ALL emails and phone recordings from XX/XX/XXXX-XX/XX/XXXX and am awaiting their response. 

Please help me resolve this situation. Roundpoint mortgage is stealing my money, or a the very least, holding it hostage so they can gain interest fees. I believe this is a common practice for them as there seems to be numerous complaints of escrow overcharging by them when I searched the web.
Please consider this my formal complaint against Equifax Credit Information Services, LLC. 
At the start of XX/XX/XXXX I ran my credit report and found Equifax was reporting a Bankruptcy chapter-XXXX discharged on XX/XX/XXXX.  I wrote them to dispute this derogatory report at least 3 times asking them to VALIDATE the bankruptcy report. They came back with it being verified as accurate each time. I made it a mission to find out how this was so. 
I wrote to the County Recorder of Deeds and the Bankruptcy Court in the county the bankruptcy was being reported from. They reviewed the Public Record section of the Equifax Credit Bureau and mailed me letters ( see attached ) which stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly, so I found out who these third-party companies are & requested my reports. I wrote Equifax again on XX/XX/XXXX and XX/XX/XXXX asking them to VALIDATE the derogatory report. XXXX, which Equifax clearly lists as the company they verified the bankruptcy with, does NOT list a bankruptcy on my report ( see attached ). 

- Per FCRA 623 ( a ) ( 5 ), If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
My card was placed with a temporary hold on XXXX XXXX, 2015, due to suspicious charges. I found out when I tried to use the card for gas, and it was declined. I contacted UBOC at XXXX, and was told I would receive a return call due to volume. I received the call from XXXX at XXXX PT. I explained that the charge from XXXX for {$130.00} and XXXX for {$130.00} were not mine. I was told that the account would be closed and a new card would be sent to me XXXX, which I would receive on XXXX XXXX or XXXX, 2015, and to call back if the charges post. 
I called them today as the charges have posted, and was advised that there is no record of my call on Saturday, and the account was not closed yet. I was advised I must dispute these charges, and put that in writing. Please consider this me putting it in writing. I did not make the charges, had not been to those merchants, and still had my card in possession. 
Unfortunately, this is not the first time I 've had fraud on this account. After so many years with this bank, I can not believe I was treated this way. I have high fees, high transaction fees for use of ATMs, and can not even get a book of checks without paying for them. I do not want a new card sent out. I do NOT want to close the account yet due to direct deposit, which I must reschedule to my other bank. However, I will not use this bank account anymore.
Was attempting to make small monthly payments after a child 's XXXX but was quickly turned over to collections.
I was contacted several times by this agency, while i was at work even do i asked not to because it was compromising my job. 
I already know that this company used this unique way toward other people to get their process done.
I am a XXXX beneficiary whos policy covers 100 % of all EMERGENCY room services ( the accounts being disputed are emergency room services ) with {$0.00} Co-payment and no member obligation. I 'm not liable for these collection accounts. This medical debt was n't correctly billed to XXXX at the time of service which is no fault of mine. I have on countless occasions provide all the information required to bill XXXX properly, to both the Hospital and Collection agency. They keep reporting the same negative information on my credit report after taking the billing payment information. Being that I am a  XXXX beneficiary with {$0.00} copayment I 'm not eligible for collection accounts from an out-of-state Hospital or emergency room because the hospital must settle the debt directly with XXXX and the accounts to show payment in full according to the following federal regulations : When you provide services to a XXXX member from another state, you must accept that states XXXX allowance ( less any member responsibility such as copayments ) as payment in full. Please note that billing out-of-state XXXX members for any amounts in excess of the XXXX-allowed amount for XXXX-covered services is specifically prohibited by federal regulations ( 42 CFR 447.15 ). -XXXX
The school told me i would n't be having to pay back but the debt collectors said they didnt care
I recently requested that the credit bureaus investigate errors on my credit report by mail. They were supposed to respond within 30 days, but they have not. I tried to call them to see what was causing the delay, but I couldn't even get a live person on the phone.
I saw a collection for Southwest Credit Systems on my credit report. I immediately contacted them requesting debt verification. I sent a letter requesting it on XX/XX/2016 and never got any documentation to verify this debt.
Equifax, XXXX XXXX XXXX are reporting on my credit reports that I am XXXX by listing my employer as " XXXX '' or " long-term XXXX '' and in doing so violates my right to have my personal health information/status protected under HiPAA. And also exposes me to discrimination by notifying creditors of my health status. 

No option is provided on either of the sites to remove this personal protected and privileged health information.
I paid off my Macys Credit card on XXXX XXXX, 2015, cleared on XXXX XXXX, 2015 thru my bank. I called on XXXX XXXX to check if had been reported to the credit bureau and they said it would be reported on or before XXXX XXXX. In the mean time ... I am trying to prequalify to purchase a home so I am awaiting for my credit report to reflect. My loan company ran my credit report on XXXX XXXX, 2015 and Macy 's is still reflecting a balance. I called them again on XXXX XXXX, and they said they could n't do anything about it and they would report it to the credit bureau by XXXX XXXX, and also for me to contact the " Credit Bureau '' which was a dead end, not sure where to contact because the number they gave me was incorrect. Due to this problem it has affected by credit tremendously. If they did n't assure me of being cleared by XXXX XXXX, them I would n't have had my loan officer run my credit on XXXX XXXX, 2015. Please help me.
I have disputed information on my report and am unable to validate this information because Equifax has not provided the correct address for these accounts on my credit report. Attached copy of my credit report shows the address they provided. Also attached is a copy of the letter I sent to this account attempting to validate this debt. The letter has been 'returned to sender ' so I am unable to confirm this account is actually mine.
Please refer to file no. XXXX - my XXXX loan modification has incurred my account balance to go even higher - now up to {$100000.00} ( see attached document ) is this the way a loan modification works ... each payment increases the balance due and the past due amount with no part of the payment towards the principal..