WillisBack/dataset-financial-user-claim huggingface dataset:
I refinanced my home mortgage. The refinance closed at the beginning of XXXX 2016. 
My loan servicer, before this refinance closed, was Freedom Mortgage. 

The title company, for the refinance XXXX XXXX XXXX requested a prepayment for the second half of our 2016 property taxes, {$2300.00}, due on XXXX XXXX, 2016. XXXX paid the property tax on XXXX XXXX, 2016 check # XXXX. 

After receiving my escrow refund from Freedom Mortgage, which was less than I expected, I logged in to Freedom Mortgage 's website, and realized Freedom Mortgage had also submitted payment for the property tax from my escrow account on XXXX XXXX, 2016. 

I called Freedom Mortgage on XXXX XXXX to inquire about this double payment. They told me the tax department would have to investigate my claim and this would take up to 30 days. On XXXX XXXX, 2016 I called Freedom Mortgage and they told me that their payment was not refunded to them, and I should call my county treasurer. 

According to our XXXX County XXXX, Freedom Mortgage uses a third party XXXX XXXX XXXX to handle tax payments to them. XXXX receives payments in bulk from Freedom mortgage early in the month of XXXX and pays near the due date of XXXX XXXX. Also, according to XXXX County Treasurer, the county tax roll is updated to XXXX on a nightly basis, and since the tax was paid on XXXX/XXXX/2016, the payment for our parcel would be deflected, email attached. 

I called XXXX to confirm this information. They told me that the payment for our parcel was deflected and they had refunded the payment to Freedom Mortgage in a bulk refund of {$63000.00} check # XXXX on XXXX XXXX, 2016, email attached.
Recently tried opening a new checking account for myself and was flagged by XXXX XXXX XXXX XXXX. They sent me my report which states i had fraudulent activity from Bank of America in 2016. I have never had my own BOFA account. During that time i was caring for a elderly family member i had a power of attorney to deal with all activities. And went into rhe local XXXX XXXX NY branch to be added to her account and the branch manager gave me a hard time and did not want to except it. This is hurting me from opening my own accounts. It needs to be resolved with bofa so i dont have to seek legal counsel.
I went to buy a new car and our credit was ran several times buy the Car lot telling us they would only run it once! If you will see in XX/XX/2017 there are excessive car loan inquiries as well as banks. They didnt care what they did to me as hard inquiries!! Just trying to get a bank to buy the deal. This should be against the law. I want them removed! Its up to almost 38! Its unreal that they can get away with this. Please help!!
I have had issues with alternate addresses being used to open up accounts in my name .. I have since noticed several accounts that were opened that I do not recognize and are not mine.. the credit bureaus have corrected most of these accounts and have determined I have been a victim of identity theft .... I am still having problems with some accounts though this company has been utilizing collection activity to collect on this account after being notified that this account was a result of identity theft I have sent a previous information regarding this issue account number XXXX amount XXXX open appx XX/XX/2018? XXXX
I got a call form portfolio recovery associates stating that i owe a debt from XXXX XXXX from XXXX that i have no knowledge of. I was sent a identity theft affidavit to fill out requesting a lot of personnel info
XXXX   XXXX   XXXX  is a California  Limited Liability Partnership lo cated in  XXXX   XXXX , CA owned and operated by G.H.  XXXX   XXXX . They have retaine d Kimball Tirey & St. John a s counsel. They are a real estate company who has ownership in the The  XXXX   XXXX   XXXX  in  XXXX   XXXX   XXXX .     From my understanding they are attempting to collect {$6700.00} for an apartment lease for their property The  XXXX  that I was NOT responsible for. I reached out to this firm shortly after reviewing the error on my credit report.  XXXX   XXXX   XXXX  of  Kimball Tirey & St. John  provided insufficient documentation to validate the debt on or about  XXXX   XXXX ,   XXXX  . The names listed on the lease were that of TWO other consumers. The only signatures and initials on the lease that  XXXX    XXXX     XXXX  attorneys provided were that of those two ONLY. My signatures and initials were never on these documents. This is NOT my lease nor my debt.     I sent out dispute letters on  XXXX   XXXX ,   XXXX   to all  XXXX  credit bureaus to conduct their own investigations.  XXXX  is the ONLY bureau who has validated this debt.  XXXX  has since deleted this account.  XXXX  is still conducting their investigati on. Kimball Tirey & St. John have b een reporting this account incorrectly on my credit report for over 2 years. They have caused financial harm and distress by reporting this account. Not only is the debt not mine, it is listed as an individual account, when in fact it is a joint account of the actual lease holders. This continued reporting of erroneous information has forced me to obtain counsel for possible litigation again st Kimball Tirey & St. John  for violation of provisions under the FDCPA and FCRA.     Without proof of this alleged item, specifically the contract WITH MY SIGNATURE & INITIALS, the item must be deleted immediately from all credit reports bearing my name.  Kimball Tirey & St. John  have failed in providing any such documents with this information. They have only provided a few pages from an incomplete lease agreement with other consumers names, signatures and initials and a ledger as proof of debt. This is unacceptable.     If this final request does not prom pt Kimball Tirey & St. John t o conduct a proper investigation of the account in question, and send proof to me of said investigation, I will file a civil suit in  XXXX   XXXX  County for damages. I take my credit very seriously and the lack of professionalism and assistance in this matter has been outrageous. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
I received a call from XXXX collections stating that my Paypal Credit account had been sent to collections. They told me the outstanding balance was {$2100.00}. I told them I did n't have that much money on hand but that I was willing to make payments for settle for a lesser amount to get it taken care of. XXXX and I came to an agreement of {$1200.00} to settle the debt. I made sure XXXX sent me a letter stating the debt would be settled in full once my payment was received. I went and got a cashiers check for {$1200.00} and sent it to them. About a month later, I noticed I still had a balance of my Paypal Credit account. I called Paypal. They confirmed my account was in collections, that they were waiting on XXXX to finish their part and that it usually takes one to two billing cycles to be complete. This was in XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX and I 'm still getting letters from Paypal Credit telling me I have past due payments. This account was settled on XX/XX/XXXX with XXXX so I do n't understand why I keep getting letters and emails stating that I 've missed payments and still owe money. I also do n't know if Paypal has been reporting missed payments to the Credit Bureaus. If they are, they are wrong and Paypal or XXXX should be required to fix it.
XXXX XXXX sent me a recommendation for a debt consolidation loan from One Main. Since I trusted XXXX XXXX to be legitimate, I expected One Main to be legitimate also. I went to their office where they told me they were charging me 30 % interest. I agreed to that and received my loan. After about 8 months I looked at one of the receipts and noticed how small the principal payment was compared to the payment I was sending each month and decided to calculate the real interest rate they were charging me was 75 %. I contacted the company and spoke to a few people one of which laughed after I told him I know how the financial world works. 
I thought it might be a good idea for me to talk to a debt settlement company regarding the account so I contacted XXXX XXXX who told me they could help me. I worked with them until I found out they were going to charge me 35 % to save me 15 %. I stopped working with them and am now having to deal with One Main damaging my credit by showing the account in collections. 
Im not sure how much they overcharged me before I caught on to what they were doing, but I want this account to be shown as satisfactory or worked out quickly to settle it.
I am in the final stages of purchasing my home loan and the lender ( XXXX XXXX ) is not able to pull my credit report. They are receiving an error message that says that my file has been blocked or frozen. We have unsuccessfully tried to have this file pulled on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and i have called at least four times a week on the weeks beginning XX/XX/XXXX & XX/XX/XXXX.
I am needing to get a duplicate title from the State of Iowa in order to register my vehicle in Kansas. The original title was sent to me from Toyota of XXXX XXXX but was lost in transit. I was told the the lien holder Toyota Financial Services was required to send in a request for duplicate title. I contacted them on XX/XX/XXXX to request the duplicate title and was told the the request was put in, and would take about 2 weeks for them to get the duplicate title back and then they would send it to me or the DMV. I have since called them on XX/XX/XXXXandXX/XX/XXXX checking on the status each time they have told me that they have not received the title from the State of Iowa yet. So today on XX/XX/XXXX I called the XXXX County Treasurers Office who the request would be sent to and was informed the a request for the duplicate title was never received, and it is only a 1 day processing time to get that duplicate title sent back out. When I called back to talk to Toyota Financial Services the resolution specialist then told me it would be 4-6 weeks for them to send out the request. I dont have 4-6 weeks, the vehicle I purchase needs to be registered by XX/XX/XXXX.
Experian and XXXX data does n't match so all credit apps are given false info and I cant get an accurate report cause the reports are incorrect.I cant dispute cause I cant obtain report Im authorizing my attorney to obtain my credit report.
I filed disputes online and the credit reporting agency said these were valid inquiries. I called and spoke to a rep on the phone who was not willing to help me on XX/XX/XXXX Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. 


XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX   Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX CARD Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX THE XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX/XXXX   Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX/XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX CARD Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX   Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX   Date Filed XX/XX/XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX
I have found a total of XXXX accounts that I have requested information/ validation on this debt bearing my signature and have not recieved anything stating that I owe this company any money. They have repeatedly responded that they have investigated and verified the validity of my debtand dont even allow me to dispute their claim. I have never done business with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, never signed a contract nor do i owe them any money.
In 2014 I rented a car from XXXX, XXXX in XXXX. During the rental period, without damage to the vehicle, the car experienced a flat tire. Upon return of the vehicle to XXXX at XXXX, XXXX, it was determined I was not at fault for the flat. There was no damage to the tire and this was admitted to by the agents to which I returned the vehicle, otherwise in perfect condition. Three months later, XXXX applied damage costs of nearly XXXX dollars to my credit card. I appealed to my credit card company and the charges were reversed. Since, XXXX has turned this debt over to a US collection agency. I am receiving up to 10 phone calls per day. They have not sent a letter to me to substantiate the charges as it appears they are required to. 

I have a perfect credit score and have never defaulted in any debt, nor even been late in payments. I feel that the charges XXXX has attempted to apply to my card post my rental were egregious and bordering on criminal. 

The collection agency has not corresponded with me other than an initial letter in which they asked for my explanation of the debt. They have not substantiated the debt by writing.
I applied for  the Amazon Visa Rewards c ard for the cash back and promotiona l Amazon  credit. I currently h ave   XXXX   ca  rds and a good credit score with no marks against it. Chase did conduct a hard credit inquiry, so they were aware of my standing. I 'm certain that I qualify for this credit card.      I was asked to submit proof of my identity such as a government issued ID. I sent a copy of my state driver 's license and a copy of a recent bill. I was then notified that the application was closed, and I was given no reason as to why. I also inquired as to what I could do to satisfy their requirements to prove my identity, and they would not tell me. I called multiple times and spoke with multiple representatives, and none of them could give me a reason for the closure or information about what I could do to satisfy them.
Trident Asset management is trying to collect on a debt of XXXX not owed. I am asking for contract with Trident. I am requesting for this debt collector never to contact me with harassing calls or letters.
A company by the name of ERC have a attached and erroneous debt to my SSn And name. I requested a validation of debt in which they never provided. This is why the account was removed from my XXXX XXXX and XXXX report. I am on sure as to why XXXX made a decision not to remove the false account .According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) companies are required by Federal Law to verify-through the physical verification of the original signed certified consumer contract of any and all accounts request to be posted and/or reported on a credit report. A copy of the verifiable, validated proof ( an original Consumer Contract with Wet Ink Signature on it, copies of copies are not Validation and by Law are not considered proof ).
To Whom It May Concern, The reason for my dispute is I C System XXXX  was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C System. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation CALIFORNIA allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) I C System failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. I C System is held liable as well for defamation and in the state of CALIFORNIA a creditor is who collects their on debt is considered a debt collector under. FDCPA I fail to see where I C System is in compliance with CALIFORNIA LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. I C System. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
I have my credit frozen with Experian and XXXX. I havesubmitted all information they have requested to unfreeze mycredit per their website. I have lost my XXXX digit pin numberthey require which is why I have to send everything in themail they request as proof of identity. I receive nothing backsaying why they have not unfroze my credit and thereforeI ca n't get a loan currently. You ca n't talk to anyone on thephone because they just direct you to the website with theinstructions to follow to send everthing snail mail to get itunfroze. Help on this matter would be greatly appreciated as Ido n't know what else to do at this point.
Unsure what this debt is?

Last Reported XX/XX/XXXX Collection Agency PHNX FINAN Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1300.00} High Balance {$1300.00} Remarks Placed for collection
I applied for a modification due to XXXX XXXX. I was n't late but I was struggling to make payments now with XXXX additions. I called Ocwen and was told they are sorry they ca n't do anything for me because I have never been late since in 5 years. So, I became late in order to be approved. A partial reduction of balance was granted ( monthly payments remained the same and increased by a few cents ). I was placed on a payment plan, but due to incorrect online account balances, non updated & erroneous balance on Ocwen 's phone system, that paper statements and rep informing me wrong infor when I called to verify which payment do I pay, my payments were returned on several occasions. By the time the payments were sent back to my bank, it was 30 days or more. I explained countless time the money needs to be returned timely so I can use it to pay off the balance, but was always given bad run around info. I received a call from a relation manager that said I no longer have to pay the payment plan, and he has ended after paying them. So, I asked if I can get something in writing. He said he is updating the system and they do not send out anything because his word is in the system. Weeks later I received a call apologizing for the information that. Confused, I attempted to do a phone payment with him so I pulled over only to be told he can not get partial payment and that now this makes me late " But, XXXX XXXX you do have to pay it. '' In turn they reported me as being late and charge me late fees more than the {$10.00} reported on statements and Certified mails fees because they said they had to send someone out to do a property inspection to visit the place, which was not done especially because it is a double-door security keyed camera entry unit, yet they charge me over and over. 

Secondly they send out XXXX statements a month whenever they feel like. Monthly statements should occur every month. Double statements were sent for the month of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. And, each time charging late fees. 

Now, I have XXXX mortgages with Ocwen. I became current and paid of account # XXXX ( 10.3750 % ) XXXX XXXX. The larger account XXXX ( 3.125 % ) had an Ocwen forced placed XXXX policy. I purchased my own and it took a great deal of work just to get them to update that and remove their forced placed. Whenever I call to ask for an updated balance for XXXX they are unable to provide the new numbers with an updated balance and tell me to call back. I do. Same thing. Next thing I know I 'm getting foreclosure notices and more fees. I 've depleted my savings out of fear of losing my place. The forced policy was an additional and additional {$100.00} a month. 

Why are so many statements going on. On top of that on XXXX/XXXX/XXXX XXXX XXXX Agent # XXXX said that the balance is {$1100.00}. When I log in, they reported me to the credit bueaurs for {$3200.00}. They told me if I pay anything other than what is reported the payments will be returned the same way they were received and they can not put me on a payment plan unless I pay them off in full. 

Ocwen takes advantage of people to the extreme.
I co-signed for a vehicle loan in 2014 for a friend. I was just informed today by Chrysler Capital that the car note is late 33 days and they have not been able to contact the co-owner of the vehicle. I want to know my rights as the Borrower. I want my name removed from this car loan asap to avoid my credit being badly affected. What can I do at this point?
I'm not sure if my issue is with private or Federal loans, bc I'm not getting straight answers and they have failed to show me that they can prove validity of the loans with MPN  or any other legal documentation showing where I was even told my loans were in default and my taxes were going to be offset. XXXX XXXX XXXX XXXX had my taxes offset last year and took {$6700.00} and even though I explained that I was experiencing severe financial hardship and was in a XX/XX/XXXXthat I had planned on escaping with my daughter that was XXXX with the money they took and I begged them to return it and asked what I needed to do to make that happen.i set up payment plan that day and emailed everything they asked for.never heard anything from them.the it's sent me a letter saying my offset was no longer in place so I called Kentucky higher education and told them about the letter I had received and asked when I could expect a reversal of the offset. They couldn't give me an answer.i was forced to continue to stay in the XXXX   situation bc of a terrible fall causing XXXX XXXX  the week prior to my offset and I couldn't go back to work.that fall alone should have showed severe hardship but it didn't I guess. Well in XX/XX/XXXX I was XXXX very badly and my XXXX   was XXXX and XXXX XXXX XXXX XXXX, XXXX and XXXX from head to toe.my daughter and I left and we're transit for a couple months under an order of protection from XXXX  and relocated to Florida. I called again to see if my situation warranted a reversal yet, the answer was no. They claim they didn't receive my paperwork, omg I have emails to prove it.i was forced to reconsolidate inXX/XX/XXXX to avoid my wages being garnished and my XXXX license taken due to default. I got a letter from Kentucky higher education after calling them asking why my credit report didn't show a payment for the XXXX that they took and why were they still showing me making payments on time when I was under a payment plan that they set up and got automatic drafts so I know they were paid on time.they gave me some crazy excuse and said that if I continue to fight for the money I lost with the offset that they would put me back in default bc they would sue me for that money if they were forced to refund it, bc once I consolidated and my loans were paid off, it didn't cover the money already credited, but had they returned it to me like they should have prior to the consolidation, the new loan would have covered all of it. And the loan in question is a loan from XX/XX/XXXX-XX/XX/XXXX but they show a XX/XX/XXXX date and I didn't reconsolidate or anything then. But that's around the time they claim default but my credit report shows of me making payments to them up until they took my money. So none of it makes sense but I think they fraudulently took my money and failed to return it causing me to suffer even more.