WillisBack/dataset-financial-user-claim huggingface dataset:
Attached you will find copies of an appeal I sent to chase in regards to charges from XXXX XXXX XXXX. There is a letter attached regarding the issue. It was first handled through the fraud department and they denied it stating it was not fraud. I never received a letter of the denial which I asked for. The fraud department told me it was a dispute issued. I have sense then appealed it through the dispute department stating I never authorized these charges they denied my dispute appeal I have attached a copy of the denial for the dispute charges. I asked chase to provide me with the information they used to deny my appeal from the merchant three reps I spoke with said they dont have anything on file. I told them I should be able to have a copy of whatever it is the merchant sent them to sent my claim. I tried to resolve the issue with chase and they are no help at all everyone transfers me around and I get diffrent information from diffrent workers. I did not purchase anything from XXXX XXXX XXXX  nor did I in anyway authorize anyone to. XXXX saw that it was all fraud when I contacted them. If someone could please tell me what my options are I would appreciate it. I tried to appeal the dispute and they told me the charges were to far back now. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Called XXXX   XX/XX/XXXX my card was closed out and reisssued they sent me dispute paperwork Called chase back several days after got paperwork was transferred to fraud department and a fraud case was opened Spoke with several people fraud department on XX/XX/XXXX I spoke to XXXX and XXXX emailed XXXX emails from XXXX then on another date XXXX left me a voicemail then spoke with XXXX from fraud Dispute department XXXX, XXXX on XX/XX/XXXX XX/XX/XXXX spoke to XXXX transferd to XXXX he told me to give it two days didnt receive anything Called back on XX/XX/XXXX spoke to XXXX   transferd to XXXX in dispute dept transfered to supervisor XXXX
XXXX has completed the investigation and Deleted Freedom Mortgage and XXXX and XXXX have yet to Delete the Fredom Mortgage from my Credit Report.
For the last four months I have been trying to have my escrow account analyzed to reflect that I no longer pay county tax. This is because I am a XXXX XXXX XXXX veteran, and my husband is a XXXX XXXX XXXX veteran. I became XXXX XXXX XXXX  in XXXX of 2018 ; my county allows for a tax abatement due to my XXXX status. However, US Bank has refused to perform a proper escrow analysis and they are still escrowing for county tax -- which I do not pay. I have tried to resolve this problem multiple times, and they finally updated my tax payment to {$0.00} ; however, they continually fail to complete an escrow analysis and as result they are still escrowing for {$110.00} for county tax -- which I do NOT pay. I want to know why they are still escrowing for an amount of tax that I do NOT pay ; and I want US Bank to stop doing this. I also want to know the legal authority that would allow US Bank to escrow for an amount of tax I am no longer required to pay.
XXXX hired Financial Asset Management Systems to collect on a private student loan debt. Under complaint number XXXX, Financial Asset Management Systems ( " FAMS '' ) alleges that they used " XXXX Collection Advantage to identify, confirm, and/or validate your location information due to the fact that we have been unable to identify your actual mailing address and you have mailed to provide same. '' I had requested in writing to FAMS in XXXX 2015, not to contact me anymore to which they agreed. There was no reason that FAMS needed location information since they had a cease and desist request from me. However, they used the XXXX on XXXX XXXX, 2015, for which there was no reason for it since they were not to contact me after XXXX 2015. The only reason FAMS used the XXXX on XXXX XXXX, 2015, was to harass and annoy me in flagrant violation of the Fair Debt Collections Practices Act. They had already received a written cease and desist in XXXX 2015, so there was no reason to try and contact me after that time.
I made my mortgage payment to Ocwen Loan Servicing , LLC on XXXX XXXX, 2015 and it still has not been credited to my account. I have made numerous attempts to provide proof of the payment, but they will only accept a revolving bank statement as proof. My bank does not provide such a statement. I have sent them 3 months worth of bank statements so that they could trace my balances themselves if they think that I was somehow manipulating the data on the XXXX statement. I have also provided a copy of a screen shot of the payment that my bank provided to me when I went into the branch to get proof of the payment. They are extremely uncooperative and rude to me when I try to get this resolved. I have sent information to them on XXXX occasions and made XXXX phone calls and still it has been over 3 months and it is not resolved. This is affecting my credit and they keep charging me late fees and continue to make harrassing phone calls to my home. I just do not know what else I can do at this point. I have now had to contact an attorney for help in getting this cleared up.
For the third year in a row, Equifax refuses to give me my credit report. I use the XXXX site, plug in my personal information, answer their security questions and then they refuse to give me my report. They say I have to mail them all kinds of documents with my personal information on it. This is an extremely unsafe and unreasonable requirement that puts my personal information at significant risk. They should provide my information online, like the other 2 reporting agencies do every year.
In XX/XX/XXXX three luxury cars were purchased without my consent, using my information as well as falsified documents. I reported the incident to the original lender and ( at personal expense ) had the vehicles that were purchased using my information returned to the dealership from which they were purchased on a flat bed truck. I explained the situation to the dealership owner and numerous staff members, none of whom assisted me. I filed a police report with the XXXX Police Department Economic Crimes Unit. I answered countless questions and spent hours on the phone talking to these banks daily. I have disputed these debts numerous times with all three credit bureaus and will continue to do so until the situation is resolved. 

One lender responded to the situation and forced the dealer to buy back the vehicle involved in their transaction, in XX/XX/XXXX 

At this point in time the lenders have recovered the two remaining cars and have sold them at auction. They and their collection agencies have been harassing me since XX/XX/XXXX. I have made every attempt within reason to cooperate with the lenders, but the fact remains that the lenders continue to make my life difficult. Not only has this incident ruined my credit, but I have spent countless hours on phone calls that happen, at all hours of the day. I have gotten calls as early as XXXX and as late as XXXX. The lenders ( XXXX XXXX XXXXXXXX XXXX   XXXX in particular ) have searched my XXXX  account, contacted me at work, spoken to my employees, and even to my clients. Not to be outdone, Ally Financial 's collection agency has not been any better. They recently somehow found out I was working as a XXXX at a local XXXX XXXX XXXX and called the store, asking one of  my employees, an XXXX year old girl, if she knew anything about the situation. I was SHOCKED. 

On my most recent conversation with Ally Financial 's collection agency, after being harassed for nearly two years, I explained my story once again, I explain the financial difficulty identity theft has put me through and I asked if, in the interest of putting this behind me and removing the stain from my credit report so that I could afford to go to graduate school, they would consider removing this debt from my name if I gave the the little money I did have saved as payment in full for the fraudulent debt, along with my tax returns, the police report information I filed, and bank account statements to validate my story to them. I was told that I would hear back from the representative the following day. I received a phone call from a man who claimed to be his manager about an hour later cursing at me and telling me that he was sure based upon the searches they had done about me online they believe I can and should afford to pay much more than that. He actually had the audacity to suggest that I would somehow go to jail for not paying them in full that day.
During VA refinancing from PHH ( loan # XXXX ) to PHH ( loan # XXXX ) the closing date was moved by PHH. A XXXX payment was not required as closing was supposed to be XX/XX/2016. Closing did not actually occur until XX/XX/2016 because of repeated delays by PHH. Then, because of the 3 day right of recision and a weekend, the loan did not fund until XX/XX/2016 PHH reported the XXXX payment 30 days late on the same day they funded the new loan. I did not miss any required payments.
This number called me and when I returned the call, the male who answered the phone did n't state his name or the company he was calling about. The company actually left a message about them being a student loan forgiveness company and I called back to take my number off that list. Weird. He just said hello like it was his personal cell phone, then start asking for my social and birthdate, rightly so I would n't give it. I told him that 's not how you call about a debt. You have to give the statement about this is an attempt to collect a debt, he told me he does n't have to say that. I told him I was giving out my info over the phone and to send me verification of the debt. He told me, he does n't have to do that and hung up. I called back and then got XXXX, who finally told me this was Pheonix Financial and I informed her, you would writing up this report. She put me on hold for some other lady, who got upset with me for asking her to hold on for a minute, she told me she has other calls to take care of right now. Then after that hold for approximately 2 minutes and some seconds. I asked her to hold please, she had no minutes for me. Told me if was a business and I was holding her up, then hung up on me. I then called back a third time and told my name to XXXX, that I would recording the call myself this time. I gave my name and said I would like the verification of debt within 30 days in writing to the address they have on file. She told hold on, they like to put you on hold but not hold for a minute for you, transferred me to XXXX again, who said I would get the bill in writing finally and I wanted to her to state the company 's name, because through the whole phone call it was n't stated not even once. She then got angry and very upset and said before she hung up on me, she did n't give me permission to record the call. This was 19 minutes of my day. When called another company about another debt, the same day, it took me all of 5 minutes, no hang ups, no angry, and they did n't need me to tell them any info, they just verified it was me and they are sending something in writing.
Since XXXX from XX/XX/XXXX-XX/XX/XXXX I have continuously disputed the debt with University XXXX XXXX with all 3 bureaus I also contacted University XXXX XXXX I was on financial aid I have continually asked for documentation of the debt they can not provide anything proving this is my debt I have not received any documentation from the bureaus how the debt was verified who and how their investigation could possibly come back as verified please assist me with assistance with getting this debt removed.
I have looked deeper into my credit reports. I noticed an incorrect balance being reported on a vehicle installment loan. After difficulty getting ahold of  XXXX   XXXX   XXXX   XXXX , I was able to get them to send me payment history. On  XX/XX/16    I sent a first letter to  XXXX , with payment history as proof, advising them that they were reporting an incorrect balance on that particular account. Unfortunately they ignored my letter. Then on  X/XX/16    I sent a second letter to  XXXX  again advising them of mistake, which again they did not correct the incorrect balance mistake. They are reporting a balance of {$7200.00}, when in fact the correct outstanding balance should be of {$6400.00}. This inaccuracy has negatively affected my overall ability to receive credit. At this point I do not know what else to do.  XXXX  has completely ignored the mistake, even after sending them proof from the original creditor.
There are XXXX XXXX accounts that I know are past the statute of limitations, this agency is trying to advise me they will not honor my request nor remove the items. This is against the FCRA. These items have been re aged and I want removed. XXXX XXXX and XXXX
In XXXX XXXX XXXX XXXX ( XXXX ) Failed to bill XXXX. In fact, according to XXXX from the XXXX Insurance provider XXXX XXXX not only failed to bill XXXX via XXXX, XXXX never even bothered to contact XXXX to become set up in their system to receive payment. And according to the XXXX XXXX Plan which administers XXXX, under State and Federal law it is unlawful to bill a XXXX beneficiary for any medical service without any attempt to bill the beneficiaries federal XXXX insurance or notify the beneficiary before a medical procedure that XXXX insurance will not cover the procedure, neither of which XXXX did prior or after the {$65.00} procedure. 

In this case, both the XXXX provider ( XXXX ) and the XXXX XXXX ( XXXX XXXX XXXX ) state the {$65.00} services would have been covered by XXXX had the Medical provider XXXX bothered to contact XXXX to be set up in their billing system and then submit the medical codes for the services. 

XXXX : XXXX XXXX, XXXX : XXXX XXXX had all of my XXXX information prior to service, which was for a physical assessment after wrist XXXX resulting from a broken XXXX after hit and run by automobile while I was visiting XXXX XXXX and was a pedestrian on the shoulder of a residential street without sidewalks near the lakes around XXXX. 

Further, I contacted XXXX at XXXX XXXX XXXX # XXXX, XXXX XXXX, LA ( XXXX ) XXXX before I left the state of XXXX to make sure they had my XXXX ID number and all of the necessary information to bill XXXX.
I have received multiple calls per day for the last 7 days from a robocall saying that the call is in regard to a debt. I do not have any outstanding debts. When I XXXX the number XXXX, there are multiple reports that this operation is a scam. The company identified is Penn Credit.
In  XXXX   XXXX , I refinanced this mortgage to a local credit union. Previously with Shellpoint Mortgage Servicing. There servicing had been very poor after taking over for  XXXX   XXXX   XXXX  Mortgage. They were suppose to pay the property taxes in  XXXX   XXXX , they did not, so the new lender paid them at the closing of the new mortgage. I have verified with the city and who actually paid them. I also have a copy of the check that paid them from the credit union. The amount I 'm owed is {$5000.00}, this is the amount that should have paid the property taxes. Every time I called I received a different story from Shellpoint, first they paid electronically, then sent check, and recently that they had a third party vendor pay. I have called every week or  XXXX  since  XXXX  with no success. It does not seem like a simple mistake, it seems that they know they owe the money, but have a plan to defraud! The phone number I have been calling is  XXXX  and they are in  XXXX , TX. I also asked for proof of payment which they refused because there is n't any. Any help to recover my escrow balance would be greatly appreciated. Thanks
Monarch Recovery sent me a letter stating I owed over {$320.00} for a debt through XXXX XXXX XXXX, a credit line through XXXX that I 've never used or authorized to use. The letter gives no information other than this, so it 's completely unhelpful and vague. I have never received any notice from XXXX XXXX XXXX stating I owe money. Once again, I 've never used it or heard of it until I received this letter. I 've never made late payments on anything in my life and have worked hard to maintain an excellent credit score. My credit score is now ruined because of XXXX XXXX and XXXX XXXX XXXX because of their false claims. I had never heard of either one of these entities until I received the debt collection letter, but by then it was too late. Apparently my credit reports were notified of this whole thing before I was. It 's amazing how hard you can work for so long for something and how easily it can be taken away without reason. It really upsets me.
Please see the attached letter and receipts to explain in better detail the facts of the case. 
Caliber Homes charged us {$10000.00} in order to keep our home from being foreclosed, yet we had made the payments ( receipts are attached ). XX/XX/XXXX I mistakenly paid {$87.00} short for a total of 3 months for a total of {$260.00}, yet I was forced to pay {$1900.00} in order to keep our home from going to foreclosure. I did receive one response from Caliber after submitting one complaint with you, they state that I was behind XX/XX/XXXX and therefore needed to pay {$10000.00} to keep my home ( see receipts & statements that I have ). There were many discrepancies at the time for the amount we owed, and that has not been explained ; different amounts are {$17000.00}, {$8600.00}, {$8500.00}, {$8100.00} depending on who you talk to or what correspondence you receive and they have not been addressed. Please address concerns and apply additional monies that I am sure I have paid towards my loan to the principal balance. 
Thanks in advance for your help with this matter.
Tried to open multiple times an HSBC checking between XX/XX/XXXX - XX/XX/XXXX XXXX. Repeated denied : " Dear XXXX, We're writing to notify you that your application for a new HSBC Advance checking account was declined because were unable to verify the identity of the applicant. 

If you requested online funding at the time you submitted your application, this transaction has been cancelled. 

Sincerely, HSBC Online Account Opening Team '' Even so - I was a customer of the bank in the past ( confirmed, and does not prevent opening ), they had successfully checked my credit reports multiple times which fully confirm my identity ( prof present ). All the information I entered was correct. So the reason presented is absolute invalid nonsense. 

Sincerely, XXXX XXXX
On XX/XX/XXXX, I charged {$2100.00} to a home improvement contractor on this card. It was for a deposit for home improvement ( basement finishing ). The contractor took this money along with {$6000.00} on another card. The total contract was only for {$12000.00}. The contractor purchased about 400 dollars worth of lumber, never pulled the appropriate permits and then asked for {$3000.00} more because he " underbid the job '' and needed that money for fire suppression. In sum, the contractor did NO WORK AFTER STEALING OVER 8000 from me!!!

I fired the contractor at that point and initiated a dispute with my card companies. My other charge card company found in my favor because they actually did an investigation. Bank of America DID NOT. They merely stated I didn't submit the appropriate information but I did because the exact same information was sufficient for the other card company.

I tried about 2 dozen times to resolve this matter with the merchant " XXXX XXXX XXXXXXXX '' and the merchant never responded. I then filed an official complaint/dispute with the bank on XX/XX/XXXX. Claim # XXXX. 

The bank DENIED my claim 2 weeks later on XXXX because I did not send the appropriate documentation. I tried to appeal to a supervisor and even called BOA HQ but merely was sent back to the same people I spoke to in the dispute department that could not assist me.
I get phone calls weekly from a XXXX asking for payment of a debt for a doctor which has been inflated to include a {$92.00} fee for the collection. I answer sometimes and call back sometimes because I am afraid if I do n't they will take further action. He challenges me and tries to get me to say things that are not true. I have told him several times that I will pay the medical bill but not the extra fee even though I felt the original bill was inflated and my problem still exists. I have been through a very rough time in my life. I have been trying to fairly resolve issues that went unresolved during this time period.
On XX/XX/XXXX my car was total out my insurance company pay the book value of the car it XXXX but Wells Fargo is still making me pay the difference of the car the balance is left on the car of is XXXX I was on charge for this car could you please help me thank you.
I have tried to get this resolved with Experian for quite sometime. They are violating my rights under the FCRA. They have 2 southern ct gas companies listed that are n't mine. One for {$87.00} and another for {$1600.00}. What they do is put in no data at first then they 'll update it to 150 days late, then closed, and put it back as okay or open as if I 've been doing activity on the accounts which i have not. These accounts are not mine. I do n't agree with any of it including the amount. I do n't have utilities in my name. I have also put a fraud alert on my reports. I also do n't have an account/contract with credit control services. Once again they claimed to verify this account but in my complaint against them through your file number XXXX they stated that they could not find any file under my name. So how are they verifying this once again? Does an actual person investigate as they are supposed to under the rules of the FCRA? I do n't think so. The address of XXXX XXXX XXXX XXXX is also not mine.
In XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX in credit company complaints me, because I have not paid, the amount is {$1100.00}, and close my XXXX XXXX XXXX account, and in XX/XX/XXXX updated complaints, Most importantly, from XX/XX/XXXX to XX/XX/XXXX, I  have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX XXXX XXXX, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the XXXX companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.
I originally filed a complaint that tax lien XXXX was being reported on my credit report even though the State of Alabama withdrew the lien. Equifax did in fact remove the lien and I assumed this would not longer show up on my credit report. 
Recently I was denied a loan because of a tax lien on my credit report. When I viewed my credit report, lo and behold there it was. Tax lien number XXXX. 
Both the lender and I spoke with the Probate Judge and inquired about the lien. She told us that XXXX is referencing a XXXX as paid. She said she did n't understand why Equifax is reporting this. She said XXXX was withdrawn therefore Equifax should not be referencing this. The Probate Judge has never seen this before and the letter, which I have attached, clearly states the State of Alabama has withdrawn the tax lien. 
XXXX should be removed and follow the order of the state.