WillisBack/dataset-financial-user-claim huggingface dataset:
in XXXX and XXXX a detail transaction on the history there was found abundance of charges to our account, and until this date the charges remain there and continues to be there and charging late fees for those fees. for three years  XXXX we have not been able to get anyone to fix the problem, they have been called many times and messages have been left with upper management, and they never returned our call. in the escrow account we are being charged double for hazard insurance, and in the misc fees we are being charged late fees. any paper they send from their tax department they are charging {$7.00} a sheet. we got a letter in the mail XXXX XXXX, XXXX that our payment for XXXX XXXX, XXXX was not paid and is past due, in this letter it states we have to pay XXXX by XXXX XXXX, XXXX or they will start foreclosure proceedings and sale of the property for a payment that was made and we have the bank print off that it was taking out of our account. upon talking to several associates at nation star mortgage company we found out that the XXXX XXXX, XXXX payment was being held and no one could tell us why, bank statement showed they held it till the XXXX of XXXX. upon getting this letter there was also a certified letter at the post office, in it inclosed the same letter as before. they are trying to force us to put our property taxes in escrow even though they were sent a court ordered document that they were not allowed to do so. they have been sent this paper twice now and put it in escrow anyway, our papers states they have done this.
the refuse to continue to investigate my dispute. I have requested them to provide me with the individual who validated or denied my request along with evidence to support my dispute. I have attached a copy of the last letter I sent with todays date on it.
I recently checked my credit report ( Eqiifax ) and noticed a problem in my personal information. In my address information, I checked the listing and noticed an inconsistency. 
" XXXX XXXX XXXX XXXX XXXX, NJ XXXX First Reported XX/XX/XXXXLast Reported XX/XX/XXXX '' I never lived in XXXX, nor do I plan on moving there. So I have good reason to suspect there is a potential identity theft going on. Please help!
Kohls / Capital One has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
The people at Navient jacked up my payment and even though they have been taking money out of my XXXX account they say I 'm behind in payments.
My student loans started with Sallie Mae. They moved to Navient and my student loan is twice the amount I originally started with. I tried to work things out with them with the income driven repayment. I still couldnt understand how my loan doubled. I received an email yesterday on XX/XX/18 stating that they made a mistake in did not add capitalization fees and they are adding on fees and making my monthly payment higher. I was on the phone with Navient and they stated this happened to a lot of people. What I dont understand is I contacted the Federal Student aid to help me lower payments and interest two days prior and now its getting raised and the supposedly made a mistake. I tried to contact them for help today and they said there was nothing they can do. I told them I do not want to pay because I feel like I am getting screwed and they stated they can not take my payment off. What can I do!!
On XXXX XXXX, my credit was pulled by my credit union and I was advised that there were negative collection items reporting on my credit file. When I looked over the report, I noticed a few medical bills and a bill from a XXXX XXXX. I do not owe any medical bills and I do not have any pets. So I contacted XXXX, XXXX, and Equifax on XXXX XXXX by letter and advised all 3 credit bureaus that they were reporting inaccurate information on my credit report and in turn, this information was harming my ability to obtain the credit I desired. XXXX and XXXX investigation results proved that these items did not belong to me and removed them from my credit file. Equifax, however, came back indicating that they had performed an investigation and determined that these items were valid and did not delete them. I resubmitted a dispute providing Equifax with the results from XXXX and XXXX and requested they provide me with copies of their investigation results that verify that these items belong to me and they have since stop communicating. I have provided proof from all of my efforts.
I been contacted several times by some individual claiming to be a representative of ARA Inc, a collection company based out of IL. 
Despite having made clear the fact that I owe no such debt and I have never engaged in any business with the associates bank the original creditor of the collection account.ARA Inc has continued to contact me about an outstanding account in the sum of {$5200.00}. 
The contact has been through phone call as well as letters.
I Sold my bitcoin on XX/XX/XXXX and I still have not received my money. ( {$370.00} ). The website stated my sale was completed. So I sent several emails to support through their website no response. I finally found their number and I called on XX/XX/XXXX and they gave me a case number and told me it may take 3 to 5 days for someone to contact me. Today, XX/XX/XXXX I still don't have my money. I called customer service again since I did not receive a call back from my call last week. The customer representative said she could see that my ticket is still in the queue but she gave me another case number.
Discover card closed my account because my credit utilization on my other credit cards reached % 50, my accounts are in good standing. I do not have any late payment or missed payments from my other creditors, i do not owe discover card a dime, i've been a customer for years but my account was closed without noticed, i called them to ask why and they said my credit utilization has reached % 50, like Really just % 50, the painful part was that i do not owe them or have a debt on the account but they where judging me base on what my utilization with other lenders was, i told them i will like to close my checking account but they where giving me a run around not wanting me to close my checking account then i asked a question, non of them have been able to answer yet, if you cant trust me with your money why should i trust you with mine? ... ... ... Discover card sucks!!!!! the same day they closed my account XXXX XXXX incress my card limit by {$2000.00} base on the same credit utilization ... ... ... i'm closing my checking account with discover card and never going to have anything to do with them, I'll suggest you all do the same.
XXXX XXXX XXXX XXXX XX/XX/XXXX is unauthorized because I dont have a bank account with them XXXX is unauthorized XX/XX/XXXX because I do not recognize this XXXX XXXX XXXX- fraudulent XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- mortgage shopping and I dont have an account with them. I do not recognize this XXXX- unauthorized XXXX XXXX-credit monitoring service did not remove inquires and checked credit to help Did not give consent for the hard inquiries XXXX Premium credit bureaus XX/XX/XXXX Unauthorized XXXX XXXX XXXX I dont recognize this Please remove all of the inquiries
XXXX recovery with this phone number XXXX XXXX of many of there numbers. Keeps calling and sending me mail attempting to collect depts that are over the statute of limitation and these debts where settled with the original creditor XXXX XXXX for a settlement amount and paid off. At XXXX point in XX/XX/XXXX or XX/XX/XXXX the went as fair as to try and take me to court for the outstanding debt where the attorney did not show up for court as the debt was paid and also the statue of limitation has expired on all these. They hold many account they are attempting to collect and all these debts are either paid or expired by statue of limitation in Michigan where i live. They are not on my credit report as last I check but will look at it again to make sure it is n't. This company is notorious for buying up large chunks of expired debt and them harassing, treating and even saying they have issued a warrant for arrest if the debt is n't paid. Personal I feel the XXXX fine which is all you can get if you sue them is n't enough of a deterrent to stop these barbaric and illegal collection practices. I want them to stop it 's been at least 7 to 8 years since I went to court to have this thrown out and I should n't have to screen my phone calls or get junk mail from them several times a day and even on Sundays ( phone calls ) If you need more information regarding which accounts I can look that up. Thank you
Original date of incurred debt : XX/XX/XXXX Amount {$1400.00} Action Taken : Pursuing the debt collection through the court system Statute of Payday Loan Limitations : 5 years Company Name : Personal XXXX XXXX Actions by me : Verified their business license # XXXX
To CFPB, My name is XXXX XXXX and I am following up on a complaint I requested about Midwest Recovery Systems ( MRS ), using fraud to put a collections account on my credit history. They do n't follow the FCRA law and the correct steps and procedures in the FCRA. They are saying this is from a pay day loan from XXXX in 2012. I have never applied or taken a payday loan in my life. I have also never been contacted by anyone regarding this account ever. I do not believe XXXX is even in business anymore. I want this immediately deleted off my credit report with all the XXXX major Credit Bureaus : It never should have been reported in the first place before having the chance to dispute it within the 30 legal days. I want proof of debt by providing the following : a ) proof of I.D provided at the time of account opening. b ) copy of signed contract ( not a signed application but signed contract ) c ) itemized statements of account activity.d ) itemized breakdown of how you came up with the balance owed. If this company should not resolve this in a timely manner, 30 days, I will pursue legal action as I take my credit very seriously. Only after immediate delete of the XXXX credit bureau and proof of valid debit I may be willing to discuss a resolution on this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
On or about XX/XX/XXXX when I had just turned XXXX, I applied online for a Discover Credit Card. I did not get a co-signer for the credit card application, and as a full-time XXXX XXXX XXXXt at the time, I only had nominal earnings, such as, babysitting. Perhaps my yearly income was around {$300.00}, and I did not provide any income verification, like pay stubs, as I only did the occasional job. I am now a XXXX XXXX, who just finished her XXXX XXXX, and only work during summers. I am still financially dependent on my parents and have substantial student loans. I am not earning sufficient income to support a credit card. 

According to section 301 of the Credit Card Accountability Responsibility and Disclosure Act, XXXX, which relates to extension of credit to minors, a consumer under XXXX years of age must meet one of two requirements before opening a credit card : The application must either include the signature of a co-signer who is at least XXXX years of age, or provide financial documentation of ability to repay debts accrued from the usage of the credit card. 

I did not satisfy either of these requirements on my online application. Therefore, this financial institution circumvented these terms and conditions.
I applied online this morning for a {$2500.00} installment loan. Even before I could hit the eSign button I had received a notice of loan rejected. This was of course after I provided banking account information, routing number etc.. I feel like this service and many others out there are just collection bank accounts for future use at their discretion. I feel this way as I was denied prior to even signing the documents before I was denied. When I called, they couldn't answer any of my questions and just directed me to an email I received from them filled with pre-populated rhetoric. Atleast if youre going to be a vulture company, atleast provide the 185.00 % mark up loans you advertise. I was willing to pay XXXX on XXXX and was still denied for reasons very unclear
I closed on my new home on XXXX/XXXX/2015. I was informed at the closing myrate was 4.1 %, this was not the APR. Just last week I received a " temporary '' coupon from Caliber Home Loans, no amount to be paid, very little information. 
Today, I received a more official payment request, but again NO APR % rateon the form. When I called Caliber, they did not know what I was asking forand basically disconnected the call. I believe the APR rate should be includedon all documents relating to this mortgage. Why is the company being sosecretive about this number. Do n't I have a right to know?
At the end of  XXXX  I was told that my only option for my student loans was to use the last of my deferment an that I would n't have to make a payment until  XXXX   2017 . In  XXXX  I got a call saying I was past due on my loans. I called an they said that I was past due an could make my account current with the past due amount. I told them that back in  XXXX  I was told I would n't have to make a payment until  XXXX  an the person I spoke with did n't understand the notes that were wrote in  XXXX . He then proceeded to tell me that my co signer could make the payment for me even though I had told him I am no longer working an my husband was in the process of a job change. He said I would need to do a hard ship to see that I could qualify an that they could lower my payments. I sent in the form an today I was told that their is nothing they can do to lower my payments an that when we get back on our feet to make a payment. They have been harassing me an my cosigner with phone calls, even though I was told they would stop calling an make  a note in the file that I could not make a payment. I have looked at refinancing but I just do n't have the credit score or income to qualify. I am hoping that this complaint can help an get me somewhere as I feel like no matter what I do or who I talk to I get a different thing or the run around of an answer. They do n't seem to care about my situation an it just seems they want to make money off me no matter wha t my situation is!
US Bank did not refund annual fee when I closed account back in XXXX, XXXX. The fee remained and started accumulating late fees/penalties. Balance is now {$200.00} and should be XXXX. Also shows up on credit report as delinquent and 90+ days past due. They say that I closed the account in XXXX, XXXX. I closed the account in XXXX, XXXX. Account should n't be past do at all.
It is unjust that XXXX businesses can have access to such personal and potentially damaging information such as my Social Security XXXX, and be so careless with the security of these sensitive materials. Even more unjust is that in the wake of their negligence, we the consumer, must pay $ XXXX- {$10.00} simply to institute a credit freeze, which at this point is a syringe of water to extinguish the forest fire that is our lack of adequate protections. 

If a credit freeze is my only option in the wake of these companies ' negligence to properly secure our information, then it should at least be free.
I submitted an investigation for a dispute on my TransUnion and XXXX  credit reports. last month XXXX XXXX XXXX and there was no change. I disputed the following items : Disputed XXXX  Items - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *These inquiries BELONG on my XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed TransUnion Items - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *These inquiries BELONG on my TransUnion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company has called several times and left message stating " Important message, this is AR resources this is a message from a debt collector please call XXXX '' When called back the phone immediately went to voicemail. The phone was answered again by a man that demanded information such as address and social security number and provided a ten-year old address as verification of my identity. He then called from a different number ( XXXX ) to continue verifying information. He stated that the supposed {$700.00} ( approx. ) I owed to a school from ten years ago was in collections and that they had sent mail that I had ignored ( again the only address listed was from 10 years ago ) There is no debt owed to this school and I have never been contacted regarding this previously. It is my impression this is a scam.
The mortgage arrearage from Nationstar / Mr. Cooper was file by my attorney office in XX/XX/XXXX toXX/XX/XXXX doings that time frame. In XX/XX/XXXX my attorney XXXX XXXX XXXX XXXX XXXX file a petition to add Nationstar mortgage to the Chapter XXXX plan that the reason why the arrearage went from {$2500.00} to {$4200.00} because Nationstar mortgage did n't file the ongoing mortgage payment the trustee office made the payment with out receiving the claim amount. I had my attorney office to contact by telephone 7 times and no arrearage claims was file with the trustee office, Nationstar and their attorney kept saying that they had to change something on the modification per supervisory attorney XXXX XXXX. The modification I did n't give my consent. I contacted the trustee office 5 time asking why Nationstar there no claims file by them. See Attached document will show unfair treatment from Nationstar and their Attorney.
My hardship started in XX/XX/XXXX. I was injured at work by making a wrong movement pulling a heavy object. I underwent XXXX immediately after and went without work for many months, which caused me to fall behind in all of my bills including my mortgage payment. When I came back to work I encountered earning s reduction and decreased in working hours. I had been searching for a 2nd job to supplement the loss. I reached out to JP Morgan Chase, the servicer of my loan to request for a loan modification. My first attempt was XX/XX/XXXX. They cancelled my application stating that I did not supply all the documentation they needed, when I have evidence I did. The single point of contact was XXXX XXXX. The second time I reapplied was XX/XX/XXXX. I submitted a complete package to Chase and from there on I've been given the running around with respect to my income. I utilized my wife 's income as she is a contributor to the family budget, which Chase neglected to recognized so they declined my application again. Meanwhile, I was able to secure income by start working for myself. I presented the Chase, with my bank statements reflecting the necessary income to qualify. Now Chase, more particularly XXXX XXXX who acknowledged the reapplication out of XXXX, TX stated that short after that the modification was declined due to the fact that they will not take in consideration my self employment income because is not reflected in my XXXX tax returns, knowing that I have been XXXX XXXX only in XXXX. 
Per representative the only time they can use the XXXX XXXX to apply for assistance is when said income is on the tax returns for 1 year, which contradict FHA Guidelines. I have an FHA LOAN. 

SUPERVISOR XXXX IS THE SUPERVISOR VP MANAGER AND XXXX IS THE REP.
I have a home loan that is serviced by Ocwen. There is a large descrepancy between the loan balance reported by Ocwen, and what the amortization schedule indicates it should be. I complained a couple of years ago by way of a phone call to Ocwen. They could not explain the large descrepancy. I emailed an inquiry to Ocwen a couple of weeks ago. They still have not explained the error, but they did get back to me about 10 days after I sent the email request. They claimed my initial request to not include enough information, which I do n't believe is true. I called the phone number the provided me with, and I provided Ocwen with requested account details. A weird thing that happened after my email request, concerning the large descrepancy between Ocwen 's reported balance the amortization schedule 's stated balance. The amortization schedule was removed from the Ocwen website. I do n't trust Ocwen.
According to XXXX XXXX XXXX several accounts dated past seven years still remain on my credit reports. This matter is creating stress in my life and preventing employment. I have disputed the accounts and requested for removal but the credit agencies have not removed the old and closed accounts. In addition to that the creditor have submitted false information ( open dates ) on my 3 credit reports.
Hello, in the XX/XX/2018, my application to XXXX XXXX XXXX of becoming a secret shopper for stores like XXXX and etc was approved. With a series of txt messages, and they delivered me via USPS a large envelope with a {$2300.00} cashier 's check, i was instructed to deposit the check into my account at my Bank. The very next day Bank of America released the funds, and i was instructed to withdraw most of it, buy money orders, and deliver them through XXXX via next day shipping including receipt. 4 days later my Bank alerted me that my balance fell below available amount. I called the bank and they said the check was fraudulent, i asked why they released the funds the very next day of a large check that they did not recognize, and they said because of my good standing record as a banking customer, that usually they don't release funds for many days, even sometimes weeks. I requested Bank of America to open a claim number which they refused to open for me, even tho they admit that the account of the cashiers check did not exist. I did file a police report, i felt this could have been a inside job through the bank, or a false scamming job agency!
I have provided XXXX and Equifax proof that the ( 2 ) bankruptcies that they continue to report against me are fraudulent. XXXX and Equifax get their public record data from XXXX, and the letter that I am providing as proof that these bankruptcies are fraudulent is from XXXX their own public records vendor, yet they both continue to report this fraudulent information, and this is willful and malicious conduct, and this conduct is also actionable meaning that I can file a lawsuit against Equifax and XXXX  for their continued willful and malicious conduct and I intend to do so if they do not begin to immediately adhere to the FCRA, and discontinue to report information they know to be fraudulent. The attached letter confirms they are reporting information they know to be incorrect/inaccurate. Equifax and XXXX need to immediately discontinue reporting both fraudulent bankruptcies. Which are as follows Chapter XXXX Case XXXX Chapter XXXX Case XXXX These bankruptcies are not mine and I have never filed a bankruptcy and I have never lived in the state of S.C. and I need XXXX and Equifax to adhere to the law and immediately remove this fraudulent information from my credit files.