WillisBack/dataset-financial-user-claim huggingface dataset:
We 've made multiple attempts to cancel and obtain a clear reconciliation of our escrow account since 2014. We 've contacted CMS by phone and letters ( via fax per their instruction ) to no avail. In many cases, we received no response. The responses that we have received have been conflicting. Our monthly payments have continued to rise since opening an escrow account with CMS, although we 'd been told that they would decrease after we 'd paid the escrow balance off, which we 've done. 
Also CMS recently informed us by phone, that their records indicate that our mortgage loan is set up on a term that is incorrect. They claim that we have an ARM although we have documentation from CMS as late as XXXX 2014 stating that we have a 30 year Fixed Rate Mortgage. We have not completed any refinancing or modifications since that time. We 've spoken with countless reps, supervisors and departments over this period, and have not been able to receive any clear answers or resolution. Although we document the names of reps that we speak with, and they advise that they are documenting the system and/or requesting escrow account audits, we call back to only find that neither have been done and we have to start from square one with each CMS representative that we speak with. We have exhausted all resources with CMS to try to and resolve these matters with no success so engaging CFPB to assist us.
The magnetic strip was not working on my Targ et Red Card so I  ordered a new card. I never received the new card. Someone intercepted the new card, activated it online and used it to purchase electronics. On  XXXX   XXXX ,  2017  I was notified of the series of fraudulent charges. I immediately disputed these charges. I contacted an attorney who sent in an ID Theft Affidavit, Police Report and supporting documents. We are also working on getting the surveillance tapes from Target. Target denied my ID Theft claim based on the wrong information that the card used to buy these electronics was in my possession. The card used to purchase the fraudulent items was the replacement card that I never received. I have had a very difficult time trying to work this out with Target.     I hope your agency can help communicate the correct facts and get this resolved. I have made the minimum payments on this account, so my credit is not ruined.
Financial Data Systems has inaccurate information reporting to the credit bureau 's regarding a medical bill that is not mine. I have disputed these accounts twice and they are not giving me the info I have requested. The letter below is what I have sent them and the 3rd party company has not responded to my requests. 
The account number for this 3rd party creditor is XXXX amount {$14.00} The letter below is what was sent to thm regarding this account XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Dear Finanacial Data Systems, After viewing a copy of my credit report, I noticed a collection account placed on my credit from Financial Data Systems in the amount of {$14.00} Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX
XXXX XXXX has been chasing me up for an alleged debt they said I owed in the amount of {$37.00}. I used to be bundled with XXXX and XXXX XXXX together, but unbundled back in XXXX of XXXX. 
When I severed from XXXX they informed me that I was all caught up in my billing with them and then from there on I would only be paying XXXX XXXX. 
XXXX 's Address : XXXX XXXX XXXX XXXX, XXXX XXXX, Arkansas XXXX To my surprise, XXXX XXXX later told me I still owed them some money. 
This could n't have been correct because my bill was paid in full. Even XXXX XXXX said I had paid my bill in full. 

I decided to contest the debt with XXXX, and based on legal advice I read on the internet returned to sender all subsequent invoices back to their financial department. I had written to them to cease and desist communications with me, but they kept sending me invoices that I kept returning to sender. 

Months have went by so I assumed they would leave me alone, and if the debt appeared on my credit report I was going to challenge it. 

However, on XXXX XXXX XXXX, a guy named XXXX contacted my father, XXXX XXXX XXXX, asking for my whereabouts. XXXX would not disclose who he was, or what company he was working for. He merely said he needed to speak to his son, " XXXX XXXX XXXX '' about an urgent matter. XXXX 's number is XXXX. He was posing under false pretenses contacting my parents to find my whereabouts whom I have not lived with in many years. 

I called this number and instead of XXXX, a guy named XXXX answered the phone. He asked me if this was XXXX XXXX. I said, " This is He, How can I help you? '' Than he tells me that he works for a debt collection agency called Credit Solutions, and he was hear to collect on behalf of XXXX in the amount of {$37.00}. I asked for a debt verification letter, and based on that I would consider paying it. He never sent the debt verification letter. Their address is XXXX XXXX XXXX XXXX KY XXXX. 
The account # : XXXX So I contacted XXXX that same Evening, and all I got was a complete runaround. XXXX 's financial division were not sorry for getting the debt collector involved, and when I had explained that it is against the Fair Debt Collection Practices Act to talk to third parties without disclosing their full identity to hunt me down, XXXX XXXX XXXX blew me off like the law does not apply to them. 

I contacted
On XX/XX/XXXX I went to a XXXX XXXX store to pay my bill that was owed on my canceled service. I forgot to take the companys equipment with me. They told me it would be turned over to collections the next day. I paid the bill but the amount for the equipment stayed on my account. On XX/XX/XXXX I dropped the equipment off and was given a receipt for {$0.00} balance. A week or two later I started to get phone calls from collection agency. I explained to them what had happened. A few weeks later I got a call again and I once again told the man what happened and that I wasnt paying them for something I didnt owe. So here we are and I just want this taken off my credit report. Can you please help me?
The Collection Department of my Care Credit Account, issued by Synchrony Bank, contacted me in the afternoon on XXXX XXXX, 2017. They called inorder to inform me of a deliquent pass due amount of {$20.00}, that was carried over from XXXX, was being combined along with a {$38.00} late fee ; as well as, an interest charge of XXXX. I received a few weeks ago, an invoice for the month of XXXX that was dated XXXX XXXX, 2017. On that invoice there was an itemized breakdown of all charges and fees that had accumulated durring the previous billing cycle, as well as, a total minimum payment of {$100.00} due on XXXX XXXX, 2017. However, when adding the late fee of {$38.00}, the interest charge of XXXX, and the carried over {$20.00} balance from the previous month, the total amount only came to {$86.00}. I inquired about the remaining {$13.00}, but the manager on duty was unable to identify the justification for the {$13.00} difference. Furthermore, my copy of the XXXX XXXX, 2017 invoice excluded the appropriation of the {$13.00} remaining difference. I would like to have the {$13.00} charge removed from my {$100.00} minimum payment due on XXXX XXXX, 2017 ... Thank You for your Assistance.
I can create e-mailable attachments for all I represent below : I received an offer from Citibank regarding a balance transfer offer. There are XXXX sheets, a promotional page designed to encourage me to take the offer and another page which are balance transfer checks with a bridging perforated piece of the sheet to tear them out from, and on that page there is a different fee than on the biggest print letters in the top portion of the first page. 

The particulars are this : A fixed date in XXXX 2017 the offer reverts [ thus, the longer I am made to wait for a response, the incrementally less the offer is worth pursuing ] for 0 % for the life of the transfer for an up-front fee. On the largest font print on the top of the form in a distinctive color it says the standard fee is 3 %. On the fine print part of the XXXX page the rate says that for this offer the rate is 4 %. 
I have received these offers for months with different particulars ; however the immediately previous offer in fact was for the standard 3 % rate and that part of each offer page is identical in all cases. [ I receive these roughly monthly and so does my wife ; I have to believe thousands of others do as well. ] I pointed the discrepancy out to a Citi customer service phone center supervisor, who agreed with me in principle that I deserved the 3 % rate, but I needed to FAX the forms in so they could review it ; I complied, and was told I would get a snail-mail response, which I did. It is merely a likely form letter that just states the offer is 3 % and really does n't address the issue of the unreconcilable statements on the XXXX pages in each mailing. 

Thus, I have physical documentation of their position, and my position is that this is false advertising. Thus, I am here writing to you for help.
Dear sirs, I recently spoke with your rep and she read me the response from XXXX at Bank of America. This has truly been a nightmare i hope to end soon. The bank cleared this certified company check and then after being on hold for 4 days they cleared it into my account. The very next day they put a stop payment on it. Then to make matters worse they stopped payment on a check that was n't even real. The Bank will not return my calls, keep adding fees and will not let me close my account. BAnk of America is clearly avoiding the fact that their processors missed that this was fraud and refuse to admit they were wrong in letting this check get cleared and a stip payment be put in effect. The documents they sent you do not match the documents they sent me. This is in reference to a case i already have with Bank of America. if i am causing confusion i apoligize but i dont know how else to give the updated information to your company. I am attaching documents which clearly are different that the ones the bank sent to you. also the information they provided to you is indeed their side of the incedent and does not match what truly happened. case XXXX. 
I am homeless and temporary with a friend i am XXXX and it is hard for me to get around. i will check my email please let me know if you need me to call you. 
thank you, XXXX XXXX
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLC XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$210.00} Dear Sir or Madam, I am writing in regards XXXX XXXX XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
My bankruptcy was discharged in 2012 and I am in the process of closing on a home. It was discovered during the home buying process that XXXX XXXX XXXX never released a judgment they placed against me back in 2012 for a debt that was included in the bankruptcy and has since been discharged! I called three different times this last week and was advised three different things all of which did not include them releasing the judgment. They are falsely holding a legal matter over on me, illegally now.
Since XX/XX/XXXX, I have been consistently paying half my mortgage payment every 2 weeks. The amounts would go into a suspense account, and then when the funds reached the amount ( or more ) of my monthly payment, they would properly apply the amount to principle, interest, and escrow. 
Starting on XX/XX/XXXX, PHH Mortgage has been applying my partial payments directly to the principle of my mortgage loan ( without going into a suspense ) even though the balance of the suspense account would have been more than my monthly payments. I even made a full payment ( exceeding my monthly payment ), and they incorrectly applied that directly towards principle. Apparently if they do n't receive the EXACT monthly payment amount, they have no idea what it 's for and they put the amount towards principle, even though there has been absolutely nothing I said about a " principle payment only ''. Obviously I 'm not going to be making principle only payments if I have n't even paid my monthly payment. 
They have also incorrectly applied somebody else 's weird payment amounts to my account, payment amounts I have never ever made. They have since deducted those amounts from my account, but it simply astonishes me that they ca n't even apply someone 's payments to the proper account. 
I feel like this kind of business practice is predatory and designed only to get the consumer in trouble. I ca n't believe they treat their customers like this, let alone a military veteran like myself.
I once had a credit card from capital one which i had paid off and i was never late the account was established since XX/XX/XXXX i was never given the opportunity for an unsecured credit card the account went in-active so in XX/XX/XXXX of this year i was applying for another secured credit card of which i was talked in to applying for an unsecured card after they company looked at the account. I explained to the supervisor that i was a victim of identity fraud and my score was low and they said not to look at that because i was a great longstanding customer and when i applied as they suggested me to i was turned down so i recently submitted another application for another secured credit card.
I was looking at my equifax annual credit report. I found that I have an unauthorized hard inquiry on my credit report. 
It shows on XXXX XXXX 2017, XXXX XXXX, XXXX XXXX put a hard inquiry on my credit report. But I did n't apply any credit card or load from XXXX XXXX, XXXX XXXX in XXXX 2017.
I went to Regions Bank at XXXX XXXX XXXX XXXX in XXXX, Texas and inquired about a home improvement loan. I told XXXX XXXX that I was just looking at interest rates at that time. I intentionally did not sign or authorize anything or because I did not want a hard inquiry in my credit report nor did she tell me that she was going to. Not only did she do that but she also miss-typed the name of the company I have worked for for 20+ years which added another employer to my profile. The correct spelling and the new miss-spelled one. I reached out to Regions to get this fixed but they just reply with how " I need to fix it ''. I asked them on XX/XX/2018, XX/XX/2018 and XX/XX/2018 and all three times received the same message back from them on the website www.regions.com. 
With this new " hard '' inquiry, my credit score has dropped to XXXX and it looks like if they don't do something, it will be on my report for at least 2 years. How can they just run my credit without my authorization or at the very least ask me if it was okay?
My credit report has been ok with no late payment until just recently with XXXX XXXX ( XXXX XXXX Reporting wrongly on my report. I have asked XXXX XXXX to remove Late Payment Reporting on my Report. Upon talking to XXXX XXXX they claimed they have sent a letter to Equifax, XXXX to remove, till date nothing has been done. EQUIFAX has not only been evasive over my report, nor have they corrected or prevent this wrong information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) This should not be happening. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist you comply with the law by providing correction of the information within the 5 days to avoid sue.
I have been verbally told and using tools through the XXXX credit bureaus websites informed that there is no block on my credit reports. However XXXX has closed my mortgage loan modification file due to their alledged attempts to obtain my credit report and said report being " locked. '' The credit bureaus refuse to provide anything in writing stating that my credit reports are not blocked. XXXX refuses to reopen my mortgage loan modification application package and my home will now be forced into foreclosure.
Our home was owned by my mother XXXX and XXXX we purchase our home in XX/XX/XXXX we refi a couple of times then my mother who had been retired since the purchase was convince to get a Reverse Mortgage and we were told that it would not effect us and that after she passed that I could keep the home no questions. My mother passed XX/XX/XXXX and now Financial Freedom does not to accept that the home was owed by both. When she took out the HECM loan the home was in my name alone I was told then not to worry and it was acceptable with HUD I was also told that I would be placed back on title which the lender not escrow did as I have found out now. Now I 'm being force to sell the home since now I have retired and there is n't enough equity to get a new loan, I requested Financial Freedom the time to go to Hud and plead my case I was turned down and am in foreclosure and may lose my home that we owned. 
A XXXX who I was told would not grant me because we where to late in the 90 day posting, we did what they asked from us they asked to place the home in our name I contacted an attorney and was told it takes some time and cost and before I do this that the lender would allow us the time THEY DID N'T they just closed the door on us I have filed a complaint with HUD and now with you I do n't want to lose our home please help
XXXX fil3ed a debt collection against someone else, XXXX XXXX. on my credit report
TRANSUNION FAIED TO REMOVE HARD INQUIRIES THAT I DIDN ; T WRITTEN AUTHORIZATION BEY ME. 
PLEASE REMOVE THE FOLLWING : XXXX XXXX DATED XXXX/XXXX/XXXX XXXX DATED XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX DATED XXXX/XXXX/XXXX XXXX XXXX DATED XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX DUPLICATE SOL EXPIRED
I opened a credit card account at Macy 's at the end of XX/XX/XXXX to buy a couch. The deal was 12 months no interest. After the 12 months, the interest kicked in at over 25 %. It was my understanding that that rate would be applied to any balance left over after the 12 months was up. I made payments each month. By XX/XX/XXXX, the balance on the card was down to {$220.00}. I made a payment of {$120.00} on XX/XX/XXXX, leaving the balance at {$100.00}. On XX/XX/XXXX, I went to make the final payment on the account. This is when I discovered Macy 's added an interest charge of {$170.00} to my account. I called the customer service call center in the XXXX. I was told that the interest charge, if the balance was not paid in full within the 12 months, was retroactively applied to the ORIGINAL AMOUNT of the account. ( I purchased the couch for about {$900.00} ). I explained that this was very different from my understanding of the 12 month promotion and also noted that the most recent statement ( attached ) states that the " balance subject to the interest rate '' was {$270.00}, not the $ 900-plus original cost of the couch. I asked to speak to a supervisor. XXXX, a supervisor, came on the phone and explained that it interest was applied retroactively. He offered to issue a {$50.00} credit to the {$270.00} I am alleged to owe Macy 's. I told him that I was angry and disappointed. I requested he close the account, give me the final balance minus the {$50.00} and that I would pay that. So I 'm swallowing {$120.00} because I know that it could take time to resolve, and apparently interest will keep accruing on the original balance. I am not a person who can afford a random {$120.00} here or there. I feel I 've been cheated by the issuer of this card and by Macy 's and I 'm tired of feeling that I 've been taken advantage of. Ultimately, I 'd like a {$120.00} refund from Macy 's.