WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I went online to pay XXXX XXXX XXXX XXXX XXXX, XXXX. It was not clear to me that the payment made was for future service from XX/XX/XXXX to XX/XX/2017. I used a Chase Visa Debit card to pay {$100.00}. We have cancelled our service from XXXX XXXX, since we have sold our house and are moving out of state. This payment is for a time period that the new owner is responsible for. In contacting Chase Bank, I was told that they can not reverse the charge and that I need to seek restitution from the vendor, directly. This is not time effective. 

Also, I have cancelled my XXXX XXXX service at the old house and I have implicitly told XXXX XXXX that I DO NOT authorize them to take a " cancellation fee '' from my debit card or any credit card or directly from my bank account, as I am using an XXXX XXXX XXXX service at our new house. They are owned by the same company. In addition, we have documented evidence that the XXXX XXXX service and satellite interfered with the signal for our XXXX XXXX for our dogs, causing our dogs to be in danger of running away or getting hit by a car. 

Chase bank has been awful to deal with and has been so grossly unhelpful in resolving these situations.
FAIR COLLECTIONS & O ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX, MD XXXX Phone : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FAIR COLLECTIONS & O or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission FAIR COLLECTIONS & O acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
8 years ago, I cancelled my XXXX service as I no longer had a house phone to connect the service to. Now 8 years later they are saying that It was cancelled due to non payment for some months. I never received any communication on this until now * years later. I have had several loans since then and it never showed on my credit reports. I think they botched up their records and are trying to recoup stuff that is not owed. ALl I got in response was scripte answers. I called them on XXXX/XXXX/2016. I called XXXX XXXX and the collection agency Transworld Systems , Inc XXXX
Ocwen claims " Our goal is to assist every customer if we are able to do so within the established guidelines by the investor ''. How can Ocwen assist every customer when it fails at the most basic level of using inaccurate and incomplete information which in turn results in inaccurate results which costs the customer. Ocwen is the worst company I have dealt with and should not be in the mortgage lending business.   Ocwen failed to accurately evaluate my request for mortgage assistance. On  XXXX   XXXX ,   XXXX  , Ocwen requested that I " provide the  XXXX  with borrower 's assets and expense details '', see email attached. On  XXXX   XXXX ,   XXXX  , I emailed Ocwen with  XXXX   XXXX  borrower 's assets and expense details, see email attached. Ocwen has failed to accurately account for my assets and expenses that I provided in evaluating my request for mortgage assistance. Instead, Ocwen denied my request for mortgage assistance based on an inaccurate monthly gross income of {$430.00}, see denial letter attached. Furthermore, Ocwen claims to have taken into consideration borrower 's and non borrower 's income in a previous request for mortgage assistance, but continues to refuse to account for the borrower 's and non borrower ' INCOME and EXPENSES for the current request for mortgage assistance.
I have been wrongfully charged some overdraft fees even after depositing a check for {$6400.00} for my overdraft of a  few hundred dolla rs to that point. Even after that they have charged me another {$70.00} after my deposit.. In calling the bank today, the said they would continue doing so until the  XXXX  until funds could be verified. I deposited this check on the  XXXX  and they never have done this before. I  imagine the y will keep racking up these fees until this point until the  XXXX  even though i made this deposit. I understand I should not be able to go in and withdraw the {$6400.00} but in the past, if i deposited a check they allowed it to cover my overdraft.
Update # XXXX : It is now Friday, XXXX XXXX. 

Our mortgage loan did not close. 

Despite the transfer of all settlement documents to the closing company last night after XXXX ; the snatching of the last available appointment the closing company had for today at XXXX ; after all questions had been answered and verified to the MI Company XXXX after SunTrust said, " all we are waiting on is the MI Certificate of Coverage which we will get in the morning ... and knowing they would send it straight to the closing agency ASAP ... 

We were called by the bank at XXXX today, Friday XXXX XXXX, and told, " The MI Company denied you. " This has been a nightmare. 

The MI Company, XXXX, says this on their " About Us '' page : '' Approved by XXXX and XXXX XXXX and licensed nationwide, XXXX is a private mortgage insurance partner you can trust and rely on. " I fully qualify for this loan having met every. single. standard. put into print by XXXX and XXXX XXXX - and in most cases, I have exceeded those guidelines. The loan was approved through XXXX levels of SunTrust underwriting with strict attention to XXXX and XXXX XXXX 's published guidelines. 

For the MI Company to not conduct their review by XXXX XXXX XXXX guidelines and insure a qualifying loan for no clearly defined reason other than " ... we 're worried about his student loan ... '' is certainly their prerogative, no doubt. 

XXXX is a privately owned company in the United States after all. 

However, at that point, their private business needs to be excluded from all participation with XXXX XXXX XXXX. ... meaning all future loans their private business DOES insure for coverage should be disqualified for sale to XXXX XXXX XXXX. 

It is the only right thing to do. Since MI coverage must be in place in order to sell a conventional mortgage to XXXX XXXX XXXX, and the mortgage companies will not close a conventional loan that they can not re-sell to XXXX XXXX XXXX, and the borrower is left at the mercy of the MI company ... .well, you can see that it is the borrower that gets caught needing something that is " required '' by XXXX XXXX XXXX and then, being denied by a private company ... ESSENTially killing a sale that was 90 days in the making and 3 days past its contracted close date. 

Not exactly ideal for the borrowers. 

At this point - XXXX again on a Friday afternoon - everyone is now scrambling. 

The seller would like to void the deal. 

The realtors are suggesting a lease/purchase arrangement while SunTrust figures this out. 

The mortgage officer is researching whether or not SunTrust can cover their fault with self-insurance of our loan so we can close. 

Our personal bank will close at XXXX this afternoon. 

Our movers are scheduled for Monday morning. 

And I - well, I 'm trying to focus on my job and suppress the panic of knowing our lease has been terminated for our current residence and soon, if nothing changes over this beautiful XXXX weekend, I will have no housing for myself and family. 

And, absolutely none of this nightmare was within my realm of control. My obligations and criteria were fully met. 

Wow. I really do not think it 's supposed to work this way.
We had a loan for 72 months then extended it for 2 more years, my total payments for the 72month term with interest of 19.24 % should have been {$30000.00} as of today XXXX/XXXX/XXXX I have paid 74 payments, on XXXX/XXXX/XXXX we had to sign an agreement to extend the loan for 2 yrs because the company said we owed with interest over {$15000.00}, they agreed to lower interest to 4 % for 24 mths and the company is telling me I still owe a payoff amount of $ XXXX with late fees, etc ... how can this be. According to extended agreement we wold make 24 more payments of {$300.00}, that 's {$7300.00}. We have made 9 of those payments to date. ( {$2700.00} ) We should only have {$4500.00} left on the extended agreement. They charge me {$10.00} for each payment I make and charge a late fee of {$30.00} from the 1st day it 's late. They are completely ripping people off. I will have paid over {$40000.00} once I 'm done. That is insane I did not buy the car new it was preowned and needed a new transmission after only having it for 1 year. I feel I am totally being taken advantage of and do not owe $ XXXX, The car is not even worth {$5000.00}.
I closed my checking account with this Bank on XXXX XXXX, XXXX. On XXXX XXXX, XXXX this Bank sent me a letter that there is an overdraw balance made on XXXX for the amount of {$55.00} which is incorrect and threated to claim the overdrawn amount with a collection agency.
I receive a free XXXX score from XXXX tied to my XXXX XXXX card. I am told that XXXX uses XXXX and they are reporting my credit score as XXXX. 
I also have an XXXX XXXX card and they all make my XXXX score available to me and they use Experian and they report my credit score as XXXX 
As a consumer I do not understand why when the term " XXXX score '' is used there is such a large difference in the numbers.
The original financing was, between and my husband at divorce, the judge award the property and declared that, My ex-husband was responsible for the mortgage and he had full ownership of the property. My credit report states, that the original payment was paid off 100 %, but, I received a letter, asking if I would like to keep the property. I just need to bring the note current. The credit report, also states that the account was a charge off and that a dispute was filed by the grantor ( s ) XXXX XXXX   and resolved by the grantor ( s ) XXXX XXXX is hard to do a investigation, without all parties being involved. I never opened a investigation. And now, I received a call stating the property was being sold, to the highest bidder. 


I have a mortgage reporting information, that is not accurate and the credit bureaus are reporting information, that has been verified. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to reporting and have incorrect information and as protection provided by the fair credit reporting act, if it is not accurate, if must be removed and never reported, thereafter. 

The mortgage, also contained mortgage insurance, that would cover the mortgage for a year, if the home owner became unemployed and/or a hardship and notified the lender that, there was a hardship and would be unable to make the current payments. The lender charged additional monthly payments, to cover the cost of the secondary insurance, but did not collect the benefits, that were due them and the home owner. Therefore, the late payments, were not accurate, as the insurance should have covered the payments. 

Everything about this reporting, is not in compliance and illegal. 

I am not responsible for the property and the mortgage. The lender is in violation of a court order and has completely, disregarded the courts ruling and has stated they " I have to pay for the property and the courts and no authority over the transaction and the lender ( XXXX XXXX  ) has authority over the courts. 

The property address for the mortgage/loan is XXXX XXXX XXXX  XXXX XXXX, XXXX, LA XXXX.
on XXXX/XXXX/15 I spoke with Nationstar Rep LJ # XXXX she explained that my loan Modification was denied because of the following : XXXX NoteXXXX : I explained and wrote a letter that I do not pay child support, gas, cable, car note, phone. I called 2 weeks later and was told my Loan Mod was denied again for the very same reason after my naca representative updated my file and i have written letters clearing up any confusion they may have. I have yet to hear a response
Telecheck recently reared its ugly, and lying head again. This time XXXX Ran my account through both XXXX and Telecheck, and negative information was reported. I have filed XXXX LAW ENFORCEMENT REPORTS, COUNTLESS AMOUNTS OF AFFIDAVITS THEY HAVE DEMANDED AND AS RECENT AS A WEEK AGO THEY CLAIMED THEY DELETED IT. AS OF FRIDAY, THAT WAS UNTRUE. I AM SICK OF IT
I have asked Gulf Coast Collection to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
I've gotten multiple phone calls AT WORK from this company. When answering they want me to verify my identity before telling me what this is in regards to. I don't give out my work number so I am unsure as to how they got this information. When I don't want to verify my information before knowing what I am verifying for, he gives me a XXXX number to research and I still don't know what this is in regards to. I don't want to call back and verify for something that is false and I have no idea what it is about.
I began working in a XXXX in the state of Virginia in XXXX of XXXX. After working for 5 years in a XXXX, I submitted the necessary paperwork for the XXXX loan forgiveness program in the XXXX. I had done much research to ensure that I qualified for the program and I should have received XXXX dollars in loan forgiveness according to the application for the program. 

I submitted the paperwork through Navient and got a letter two weeks later saying that I did not qualify for the loan forgiveness program. I called Navient to see what went on with my application. They told me that it was not them, but the federal student aid office that denied me from the program. I called the Federal Student Aid Office who told me that they had not received any information in their systems that I even applied for the program and that I absolutely did qualify for the loan forgiveness, they made it for XXXX exactly like me. They told me to reapply thinking that Navient XXXX up. I reapplied again a few months later. This time, faxing my application from my XXXX thinking the letterhead would somehow make a difference and it would be faster. Two weeks later the same thing happened and I got a letter saying that I did not qualify for the program. I called Navient again to question them about why they denied me and they said that I had filled out the wrong paperwork, because my XXXX signature was not in the right place on the document. I had a scanned copy and looked it over and found of course, no such mistake. The paperwork was also correct and had not reached the date of expiration. 

Despite this runaround, I got everything together the following year in XXXX and I submitted for a third time through fax. I even wrote third attempt in big letters on the cover page. I got a denial letter again, even after having a coworker qualify for the same program and get her XXXX worth of forgiveness. I now work at another XXXX, this being my 8th year as a XXXX in a XXXX. 

I was going to write XXXX XXXX and try filing again. I would n't know about what lawyer to contact, but they I saw your recent lawsuit against Navient. I think they are guilty of mishandling my loan as well. My forgiveness amount would have erased XXXX of my loans and I believe they wanted my interest and did n't properly submit me for the program.
My mortgage was with ocwen. I go to pay my monthly payment it says I ca n't. I call Ocwen they tell me they sold my mortgage to XXXX. No one ever bothered to even notify me. I call XXXX and ca n't get through to anyone.
On XXXX XXXX, 2017 I used a transfer balance check for the amount of {$6600.00} USC. to pay out A credit card from XXXX XXXX XXXX XXXX never receive that check ... So now this company posted the whole amount in my account and dont want to credit or reimburse me that transfer Balance that I never use, perhaps I have the balance of {$6600.00} USC. In both accounts .... since XXXX XXXX, 2017 I open many cases and investigation with no results, I spoke to different supervisors to try to resolve the problems but they given me the run around.. Its been almost 5 months since this incident and still nobody has giving me any solution to this problem, its a shame that such of big company has so poorly customer service.. My credit report dropped 50 points because of this incident and all they keep saying is we sorry but no actions..
XXXX  has consistently been a problem.  XXXX   XXXX    XXXX    & Experian has been reporting errored information. I have never applied for student loans and to have an accurate errored account reporting monthly and I have been trying to remove this items for a year now. I 've sent letters, I contacted them and all I 'm told by these credit bureaus that they never received any documents.
BOA offered me a balance transfer promo rate on my BOA credit card. I had a {$10000.00} credit limit and had a balance of {$5000.00}. The promo rate was posted on my online banking. The offer was there yesterday ( XXXX/XXXX/XXXX ). I went to enter my information to transfer my balance today ( XXXX/XXXX/XXXX ), but the offer was gone. It provided a number for me to call. I called and spoke with a CSR and asked why the promo offer went away. He transferred the call to XXXX XXXX. I asked XXXX XXXX the same question about the promo rate going away. She proceeds to tell me that she was going to lower my credit line because I asked for a balance transfer. I never asked for a balance transfer. I told her to check the recording of the phone call. BOA and XXXX XXXX mislead me with unfair business practices. BOA lowered my credit limit instantly when I called to asked a question. I asked which regulatory agency I should contact, and she told me that there was no regulatory agency and that the bank can do what they want. I then spoke with a manager, XXXX XXXX, about this. She also told me that because I called they did a credit review and lowered my rate instantaneously. I have never missed a payment was using less than 50 % of my credit utilization on this credit card. Bank of America and its workers mislead me with there promo offer. This is the definition of unfair business practices. BOA hurt my credit because I called them. By doing this, BOA is making it difficult for customers to inquire of any issue. If you call BOA, they will punish you. For a company to penalize you for asking a simple question it misleading, unfair and creates a freezing effect. I have never missed a credit card payment so the lowering of my credit limit was completely punitive in nature.
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed item is listed on my credit report.

The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX  Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT It is my understanding that under law you have 30 days from the receipt of this letter to verify this item.
I received an email in the middle of the night on XXXX/XXXX/XXXX confirming my Bloomingdale 's purchase. I called first thing the next morning to inform Bloomingdale 's that I did not make this purchase. The purchase was made by someone on the other side of the country. It is not XXXX/XXXX/XXXX and the charge still has not been cleared from my Bloomingdale 's account. I have called every 2 weeks to complain, submitted an statement of fraud, and done everything I have been asked to do. I am furious. I feel like I have no power to get them to clear us and they always give me a run around that it will be cleared by my next billing cycle. I have been told that the department that investigates the claims is back office and does n't have a phone number. Help!!! I have near perfect credit and this is making me insane.
Currently check systems has a fraud alleret on me, as well as the other company 's used by banks to open an account. 
I have tried to get it off, but I ca n't. I do n't owe any money to any banks. 

This is from XXXX XXXX XXXX. 
I wat this removed asap. This is making my life hard to live. 

And it is not true
Had a negative remark on credit reports XX/XX/XXXX. Determined debt was not mine. Originator was XXXX. they sold this debt to XXXX then it went to XXXX. XX/XX/XXXX collection agency XXXX was notified via XXXX XXXX and XXXX XXXX XXXX that XXXX was in error and I did n't have the account in question. XX/XX/XXXX the same debt is now being pursued by ERC-Enhance Recovery Company. I submitted the info to them in XX/XX/XXXX as per documentation from the XX/XX/XXXX events. Now have negative remarks on credit report from ERC. They never replied after XX/XX/XXXX info faxed to them. Just received another letter stating owe money. They have not provided any information that supports that I have any debt owed. They have falsely reported to the credit agencies and are attempting to collect debt which is not mine.