WillisBack/dataset-financial-user-claim huggingface dataset:
Ditech sent me a letter in XXXX letting me know my escrow was short. After hours of investigation I found out my oroginal title closing attorney never paid my taxes that were collected. I finally got that money collected and sent it directly to ditch, letting them know about the situation. Called them to notify them that was the 6 months city and county taxes that needed to go directly to my escrow. And to order a escrow anylasis a couple weeks later so that my monthly payment should go back to where it was suppose to be. They did not do as I told them, and put half of my tax money in to my principal. Now they are calling me telling me my account is delinquent, its going to effect my credit, threatening me, and saying they cant order another escrow anylasis. They are adding additional late fees etc. after I was told to only pay the regular mortgage payment, not the increased.
On XX/XX/2019, I received a rather generic style letter from XXXX XXXX. It states they have been notified that my mother passed away and further state they are trying to locate the person who has the authority to pay her outstanding bills. 

My mother had no estate. She had about {$1500.00} in her checking account at her time of death that was a XXXX in my name. The amount went to pay for her cremation expenses. She had no other assets. Moreover, no one is responsible for paying her bills. Only she was legally responsible for debts incurred in her name. 

I am asking that DCM cease sending letters to this address immediately. I have read online reviews of this company sending this out to people, then saying they owe money without stating who the debtor is or the dollar amount.
We have gotten numerous calls from  " Southwest Credit '' f rom  XXXX  asking us to call their number  XXXX . Caller ID shows the number as  XXXX   XXXX . We then received an invoice from this company saying we owed them {$510.00} for cable service for an address we have no connection with. When my wife called the  XXXX  number she talked with a "  XXXX   XXXX  '' that told her that they were trying to collect money for an address of  XXXX   XXXX   XXXX   XXXX , NC. We have never lived there and know no one who does. The letter that we received is dated  XXXX   XXXX ,  2017 . We have never been in collections for anything in the past. I received another call from this number (  XXXX  ) today with a voicemail that stated it was fro m Southwest Credit and I  needed to call  XXXX . I did not call them. Researching this company and these phone numbers online leads me to believe this could be a fraudulent company or something. I do not feel comfortable giving them any information over the phone etc. This is not my bill and I do n't appreciate them wasting my time, etc. Please let me know what I need to do. Thank you.
XXXX removed bankruptcy from my credit file for XX/XX/2015 bk XXXX Al. Experian is stating when they verify with XXXX it shows accurate. I need them to communicate and get resolved
I just had got sum sent to me in the mail that someone else made of me and all the info was incorrectly written
Quicken Loans Inc . 
Account # XXXX XXXX XXXX ( XXXX ) XXXX 2016, I had my insurance change my policy to lower my home owner policy. 
This lowered my payment, the insurance company refunded me {$52000.00} by check and I forwarded the check to Quicken Loans as request by them. They sent notice of shortage in my escrow account. They requested a payment of {$470.00} or {$1000.00} ( monthly ) from {$960.00}. I called Quicken Loans spoke with supervisor ( XXXX XXXX ) on XX/XX/2016, who forward a request to ( XXXX XXXX ). After several phone calls from her, we agreed to leave the payment the same till a review in XXXX. This agreement was due to lower insurance rate, taxes and the mortgage insurance would fall off in XXXX and all accounts had been paid for the year. 
I was notified XX/XX/2016 my payment had increased to {$1000.00}. 
After email to XXXX XXXX, she replied I misunderstood that such was not the case, and they would review it again in XXXX. I would have to pay the {$470.00} to escrow or make the Payment of {$1000.00}. 
There is no justified reason for this request ... .. 
XXXX XXXX.
To whom this concerns : Im initiating this complaint because of some concerns I have about the way the credit bureaus continue to report negative Items on my report even after I have twice sent certified letters asking them to delete the negative accounts. I have stated in my letters to Experian, XXXX, and XXXX that I have never entered into a contract with the below mentioned companies and I requested that they send me a signed document of my contract with the companies mentioned below. I am aware that under the FCRA guidelines the credit bureaus are responsible for ensuring that they are reporting all accurate information as this could adversely affect consumers in a negative way. I am also aware that when you contact the bureaus concerning an Item which is not correct they are responsible for showing proof of the legitimacy of the items being reported. In my experience I have sent two rounds of certified letters and have waited over thirty days for responses both times. The initial letters yielded responses back from the bureaus within the 30 plus day time frame. With the second round of letters I have only received one response from Experian stating they would not re-investigate my dispute anymore because the accounts were verified on their end and I would have to contact either the companies or an attorney to prove that the accounts reported do not belong to me. They also refuse to send me the documentation I requested which is for the accounts to be verified and shown that they are accurate and valid accounts of mine. The accounts in question are as follows. XXXX XXXX XXXX ( Experian, XXXX ) XX/XX/XXXX {$680.00} XXXX XXXX XXXX ( Experian, XXXX ) XX/XX/XXXX {$990.00} XXXX XXXX ( Charg e off Experian, XXXX closed sold off ) ( XXXX transferred ) XXXX {$120000.00}.
In the latter part of 2017, I discovered I had a small balance left on an old auto loan I had with a company called Carolina Finance. I contacted them, and worked out a settlement arrangement to resolve the remaining balance. The settlement arrangement we agreed upon was paid on XX/XX/XXXX. XXXX months have now passed, and Carolina Finance has yet to properly update my account on my credit report. I have contested the account three times with XXXX, XXXX, and XXXX XXXX ; and Carolina Finance keeps telling the credit bureaus I have an outstanding balance owed. The account should report a {$0.00} balance owed, as it was paid on XX/XX/XXXX.
Equifax has mishandled my information, as well as millions of others, putting myself at risk for identity theft. I am listed as a potential victim on their site, equifaxsecurity2017.com.
They did not notify anyone until months after the breach, and they are not contacting the people whose information was leaked, instead they require the victims to check if their information was stolen.
I had an account with XXXX which was paid off by the Dealer in XXXX-XXXX. I had to include it in Bankruptcy because the account was still open with all 3 credit reporting agencies. 

I have consistently tried to remove the late notice in XX/XX/XXXX because at the time I did not have the vehicle since it was traded in at XXXX XXXX in XXXX Fl. 

I contacted Experian over the phone because they do not allow me to dispute online as is my right. They have me blocked. I told them the account was never late. 

As a result Experian updated the account as a charge off on XX/XX/XXXX in error. I tried calling them and explained I had no lates for about 4 years and they told me the score dropped because of XXXX charge off. This was false information. The report dropped because they updated the report to show XXXX XXXX as charged off in XX/XX/XXXX making my credit score drop 24 points as well as my credit rating from Good to Fair for being late .1 years - IN ERROR. I could not dispute online. THis caused my denial of credit. I can not wait 30 days for them to fix their grave mistake. The account has no activity since XXXX. Yet, their ineptness added it as a recent negative which made my score drop 24 pts. This is in addition with their taking the XXXX account and counting it as 6 accounts late rather than 1 account in their scoring model. 

They investigated both the XXXX and XXXX incorrectly and now I am being penalized. I also am complaining against XXXX XXXX XXXX for attempting to re-age the debt on the account that has been closed without activity for almost 4 yrs.
I've pulled my report and find an XXXX Collection account on it. I never had it. I have no bills with them. Please have this taken way. They say I owe {$290.00} on my credit report. Have them stop it please. I will not attempt pay them unless they can " prove '' I was a customer. Do they have phone records? NO. I was not.
This person stated that they would serve me at my home or my place of employment if I did not contact XXXX. They stated that they would need to see XXXX forms of photo id Stated the case number was XXXX. Stated that their name was XXXX and that he would be wearing a XXXX courier vest. This information was left on my voicemail.
Hello, I pulled my credit report for the first time in many years and found a company called XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) is reporting a negative collection account to all three bureaus. I have never heard of this company nor have I ever entered into any agreements/contracts with them. The debt has been on my credit reports since XX/XX/2013 however this company never reached out to me to notify me of an alleged debt. The amount that they are  demanding is only {$50.00} however I have no recollection of this balance. I've read numerous negative comments about this company and their borderline illegal practices. Furthermore, the statute of limitations to collect on a medical debt in the state of SC is 3 years however they are still reporting this negative account that I do not own on my reports.
Renton Collections is attempting to collect an " owed amount '' for XXXX care. 

I explained that my insurance company confirmed that the amount sent to collections inaccurately included discounts that the provider had agreed to, and was working to resolve. 

In addition to being rude and aggressive, the agents told me that " in their experience '' my dispute was invalid and that I was wasting my time and that they would put this on my credit report. they said that if I went ahead and paid all or part while it was being reviewed that would be the best approach. I think this is inaccurate.
XXXX XXXX partial account # XXXX ... 
XXXX 
Hard enquires XXXXXXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX
XXXX XXXX placed multiple accounts into collections without ever sending me a statement of services rendered. They turned the accounts over to collection agencies who apparently sued me for the debts. I never received notice from the collection agency that they were taking legal action, nor was I ever served by the courts regarding the date time and location of the trial.
First Disputed this debt on XX/XX/XXXX with all 3 credit bureaus and it came back as validated. Disputed again on XX/XX/XXXX. Portfolio Recovery Associates, LLC has been reporting on my credit and fails to provide proof of my obligation to 2 alleged debts which has been requested two times already. They have sent me spreadsheets with an account numbers and balances of these debts from the original creditors, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. To my understanding these documents do not qualify as full verification. Under the Fair Credit Reporting Act I have the right to demand they disclose all of the documents they have recorded and retained in their files. I need to see a signed contract saying that I am liable for these 2 debts and that Portfolio Recovery Associates, LLC has the right to try and collect from me. This company is in violation for continuing to verify accounts with the major credit bureaus without proving evidence as requested. All unverified accounts must be deleted. In addition to not providing the proper verification on the most recent notice from Portfolio Recovery Associates, LLC, they state " In response to your dispute, we have requested that the 3 major credit bureaus change the status of this account to dispute resolved consumer disagrees. '' I feel that this action was taken by Portfolio Recovery as retaliation for disputing these debts. These debts are beyond the Statute of Limitations here in Pennsylvania. I have also requested that Portfolio Recovery stop contacting by phone, and only contact me by US Mail. However, they continue to call me. I am requesting to see a signed contract for each debt and creditor with my signature on it, verifying that these debts are in fact mine.
I contacted company explaining that I never made or authorized the XXXX transaction from lending club or so company it said on my credit score I wrote into XXXX they write back saying and explaining there was no account number active by the account number I wrote in and sent copy to them about. I contact credit card company explaining my credit card was lost/stolen but they fix part of it cancel old card and put a stop to it but do n't take transaction off that I never authorized so I never said to authorize the transaction that I never made of an account that does n't exist so I 'm really tired of this and trying to fight to get rid of the fraud charge that I should n't have to pay because I never made the purchase and its starting to really XXXX me off I 'm about to cancel and close credit card because of the company does n't wan na do their part and fix the problem ... I just mailed out a form demanding the fraud be fixed and permanently be reimburse and credited back so hopefully this works I 'm on almost 10th time contacting them should n't have to do it it should 've been done first or second time and fixed immediately.
I am lodging a general complaint against SLS. Since the first day they began servicing our mortgage, there has been nothing but trouble. ( 1 ) first month 's payment issue-payment crossed with prior servicer-SLS on our back, ( 2 ) Repeated harassment ( several months in a row ) that we did n't have enough insurance on our home ( after repeated faxes to SLS, clearly showing more than enough proof of insurance, ( 3 ) we had just completed a loan modification, only to have SLS increase our escrow amount making the monthly payment difficult to make again ( SLS decided that they were going to hold the highest amount of escrow pad as allowed by the state of California, thereby increasing our monthy mortgage amount ), especially for a customer that worked months to get a loan modification to save their home. ( 4 ) but most disturbing is their collection tactics. They leave a door hanger envelope ( unsealed ) with capital red letters that say " confidential '' ( in an unsealed envelope ). Inside is a quarter sheet of ripped paper that indicates SLS was there to check if the property was " still occupied ''. That is a clear and intentional threat and unfair collection tactic. ( 5 ) One month we called in the payment ( so we can keep track of everything via XXXX XXXX ) and the agent at SLS set-up the payment and confirmed the bank account on file and it did n't belong to us! It was an account with XXXX and we have XXXX XXXX, not even close ( XXXX ) recently, we agreed to a payment plan with SLS to have payments automatically debited by XXXX XXXX from our checking account for the next XXXX Fridays. The agent set up each withdrawl and provided us with a confirmation number. The first payment was debited as scheduled and we received a confirmation letter from SLS that the payment had been processed. Yesterday, we received a reminder notice from SLS that a payment would be debited on XXXX XXXX as agreed but today my husband receives a call from SLS regarding our delinquent account. Frustrated, I contact SLS to inquire as to why they are calling for a status when we had an agreement that was current and valid. ( for the XXXX paymen ). ( 6 ) Today 's call was the last straw and trigger to lodge this complaint. When the SLS agent was researchng why SLS called, he was perplexed by what he was seeing on our account. He said he can see the payments were processed but they have not been linked to our account. I was put on hold many times ( common with SLS ) only to have the agent ask me for my banking information again. There is something seriously wrong here. There are numerous complaints for this company online, with the XXXX and of course CFPB to name a few. I appreciate that SLS may be working with XXXX paper, but that is no excuse for blatant threat collection tactics, repeated banking mistakes, harassing calls and letters etc.
About a year ago, I financed services through XXXX XXXX XXXX through XXXX XXXX. Roughly a year ago, XXXX XXXX XXXX abruptly closed and I never recieved any of those services. XXXX XXXX has since started harrassing me to collect this debt. I have expressed to XXXX XXXX that I did not recieve any of the services and their response was that it was not their problem. They also threatened to use legal action against me if I did not pay. I then told them that I will contact them to reach a resolution and until then I do not want to be contacted by them. However, they have continued to call me repeatedly using the telephone number above and various other phone numbers. It has become increasingly difficult to use my phone because of the number of harrassing calls I keep recieving from them.
I have a credit card account with Citi Bank and requested a credit line increase online o

n XX/XX/XXXX. Their web page specifically stated that no inquiries will be placed on my credit report, which is the reason why I requested the increase. On XX/XX/XXXX, a 'hard inquiry ' was placed on my credit report by Citibank NA with address XXXX XXXX XXXXXXXX XXXX XXXX , SD XXXX. 

I have not authorized or agreed to this inquiry and would like to have the inquiry removed from my credit report as it brings my credit score down. 

I contacted Citi Bank and their customer service agent could not explain why a 'hard inquiry ' was placed on my report for a simple credit line increase request, however they said that there is nothing that they can do and refused to help me any further.
I have been unable to implement a credit freeze with TransUnion I have been notified that I am at risk from the XXXX data breach The online credit freeze process failed and I was provided with a telephone number to call I believe the online process failure is a scam because calling the telephone number only gives advertisements for TransUnion 's services which I have no interest in and do not wish to provide personal data for No email addresses are available The telephone numbers listed are only ads I have successfully implemented an online credit freeze with XXXX XXXX and XXXX
I opened a Checking account with Chase Bank today. I deposited XXXX cashier 's checks, XXXX from XXXX, XXXX. XXXX XXXX Bank totaling {$2300.00} and XXXX from XXXX XXXX totaling {$1400.00} with a grand total of {$3800.00}. The funds were placed on hold with a Regulation CC hold for it being a new account and funds are to be available on XXXX/XXXX/2016. From my understanding of XXXX if the grand total of, in this case cashier 's checks, the deposited checks are less than {$5000.00} " a depositary bank shall make funds deposited in an account by check available for withdrawal not later than the business day after the banking day on which the funds are deposited. '' Since these funds were deposited on XXXX/XXXX/2016, it being considered XXXX/XXXX/2016 's business day, should said deposited funds not be available on XXXX/XXXX/2016? I feel that my funds are being delayed an extra day longer than Regulation CC allows. This is likely to be happening to multiple customers which may cause additional financial burden on those customers whose funds are delayed longer than they should be.
I have settled the tax lien with the state. I would like this negative report removed. My bankruptcy has been long discharged, I would like this negative report removed. Also I was laid off in 2012, in which I got behind on several of my accounts. Within a few months after that I gained employment and paid my debt, can that be removed from my report? Seeing I 've paid current accounts since then with none late. Thank you and have a great day.
I had spoke with them months ago telling them I moved out of that property in XX/XX/XXXX. I do not live there, I am not the owner, I should not be paying anything. I also filed bankruptcy in XX/XX/XXXX and they are included in the bankruptcy. However, this was not my debt from the get-go so they should be trying to collect it from the current renters of the property.
transfered money to XXXX bank for a car purchase the purchase was fraud i cancelled the transfer the next morning i tried to cancel same day but bank closed but the stop was in i have emails it took almost 1 week for someone to let me know a representative from the bank called me and sent email to bank trying to contact me saying he has my money and tell my bank to contact him to get my money back i only received XXXX XXXX dollars out of my XXXX dollars .i tried to contact the investigator from santander bank XXXX XXXX XXXX XXXX and she says she can not contact XXXX from XXXX bankXXXX XXXX XXXX to resolve this matter my case number is XXXX i really need some help to resolve this matter
I had a line of credit with citizens bank for 10 years my payment was {$980.00} a month the line of credit expired XX/XX/2017. I tried to extend it for 2 more years or tel I sell my home the bank never respond to me I try to contact them many ways never got any help and then the bank turned it to a 15 years mortgage without my signature and my payment jump to {$3700.00} a month. No way I can afford it. Also never send me any payment book or link it to my bank account. 
I told them that I work over seas I can't just leave and deal with this. I asked them to extend my line for some time so I can get my finances together. I was with them for more than 15 years never missed a payment. Now they are taking my house from me it is amater of no court.