WillisBack/dataset-financial-user-claim huggingface dataset:
I have had my credit card with XXXX XXXX bank for several years. I received an email tell me the sent me a new card. I received another email saying they sent me a new card and my current card will be deactivated. I needed to activate my new card. I never received a new card, so I called them. When I spoke to them they said they will send me out a new card. I got an email now saying my bill was due. I went online to pay it. It said my balance was zero. I got another email that said my bill was late and I would pay a late fee, so I called them again. They said I was charged {$30.00} for a new card, {$27.00} for late fee and {$5.00} for maintainer. They said I had to write a letter and fax it to dispute the charges. I did that. They emailed me back and said they would credit me the {$30.00} and {$27.00}, but I had to pay the other late fees first. I started to them they changed my account number and I would not be able to pay it without the account number. They said pay it to the old account number. I then questioned the amount I needed to pay. They said Past Due {$35.00} XXXX / Remaining Amount Due {$35.00} XXXX Total by XXXX {$70.00}. Im waiving {$27.00} Late Fee and make sure Amount. Due is paid {$0.00} after your {$70.00} total pay.
I was a victim of Identity fraud for over 100k dollars and several fraudulent loan accounts years ago. I did not authorize nor consent to any use of my information. Nor did I apply for ANY of these fraudulent accounts. I have submitted to Transunion on countless times, what they requested for removal of the accounts. I have spoken to them several times in this past month and over the last several years. In which, they again agreed to remove Hard Inquiry XXXX and Collections account XXXX XXXX XXXX after receiving the Police Report and FTC report. I have complied with Transunion with their request to provide proof for removal. I have been sending this upon my findings of identity fraud for years now. They have complied with removing most inaccuracies, however, these remain. I had a XXXX credit score prior to this and would like to get back to that scoring number. This has caused me a great deal of distress and is now affecting my purchasing power and my health. *Note : This includes FTC and police reports along with proof of ID requested.
I have spoken to 3 employees of Associated Bank on XXXX, XXXX. The bank has offered to share the attorney fees but refuses to do anything to repair the late payments they have placed on my credit rating. Until this issue, I have NEVER had a late payment listed on my credit. 

RE : Equity Loan Plan Account Agreement and Mortgage Note Loan No. XXXX Yesterday, I learned for the first time that my home equity account was past due because Associated Bank cancelled my scheduled automated payments that amounted to 2.5 times the minimum payment amount in XXXX XXXX. Associated Bank has retained a collection agency ( XXXX XXXX XXXX, XXXX XXXX, WI ) to foreclose on my home without contacting me concerning the stoppage of payment which Associated Bank admits they are responsible for. These payments have been in effect for over 3+ years without issue. 
Due to Associated Bank stopping the payments, I am now being asked to pay considerable late fees, attorney 's fees, etc. in the amount of {$1000.00}. My credit rating has also suffered a XXXX point reduction due to this issue ( XXXX in XXXX XXXX, current XXXX ). 
It is my believe that Associated Bank had a responsibility to notify me in a prompt manner ( XXXX or XXXX XXXX ) in order for me to resolve this issue without fees. Associated Bank failed to do so which has led to the current issues. Once notified ( XXXX XXXX, XXXX ) I immediately contacted XXXX XXXX ( XXXX ext XXXX ) to resolve this issue. Associated Bank wishes to hold my home as ransom to force me to pay all fees. I have offered to pay all back payments and late charges ( {$600.00} ) and even attempted to online pay the amount of {$600.00}. In order to resolve this matter I am willing to split the attorney fees of {$890.00} with Associated Bank if they agree to restore my credit to its level of XXXX XXXX. Associated Bank via email yesterday has given me until XXXX XXXX, XXXX to pay ALL fees or they will continue foreclosure. I have also been informed that a supervisor ( XXXX ) would contact me. This has not happened 24 hours later. 
If Associated Bank does not contact me to accept my offer I will pay the amount of {$1600.00} as required by XXXX XXXX, XXXX. I will then begin legal action against Associated Bank to have returned all fees and for {$3000.00} for the damage done to my credit due to Associated Banks actions. I have tried to be fair with this issue and have not even been given a chance to be heard.
We purchased our home in XX/XX/XXXX. We refinanced our mortgage in XX/XX/XXXX. Shortly thereafter, Wells Fargo took over the mortgage. 

In XX/XX/XXXX Wells Fargo did an escrow review and mistakenly read the annual taxes on the closing disclosure. The taxes were listed on page 2 of the disclosure as " to XXXX XXXX County ''  .... {$910.00} and " to School District '' ... {$2800.00} for a total of {$3700.00}. On page 4 of the  disclosure the " Escrowed Property Costs over Year 1 '' are listed as {$4200.00} and include the homeowners insurance. In their initial escrow review in XX/XX/XXXX Wells Fargo mistakenly read the annual taxes as {$910.00}. Because of this mistake they came to the conclusion that our escrow account had an overage of {$2500.00} and they mailed us a check for that amount. They also lowered our monthly payment from {$1800.00} to {$1600.00}, which was {$230.00} less per month. 

In XX/XX/XXXX Wells Fargo did another escrow review and this time read the taxes properly. They realized the escrow account had a {$4100.00} shortage. They gave us two options. Option 1 ) Pay the shortage over 12 months and the new monthly payment would go up to {$2100.00}. Option 2 ) Pay the shortage amount in full and the new monthly payment would be {$1800.00}. Neither of these options are viable for us. We do not have {$4100.00} to pay up front and we can not afford {$2100.00} a month. That would be more than we were paying before we refinanced in XX/XX/XXXX and would completely negate the refinance. 

We immediately called Wells Fargo to find out what went wrong and to clear this up. They are refusing to take responsibility for their mistake. Initially, they tried to place the fault on the company who we refinanced with, XXXX XXXXXXXX. 

In XX/XX/XXXX Wells Fargo gave us the option to pay the escrow shortage over 24 months. The new monthly payment would be {$2000.00} which is still more than we can afford and is still more than the monthly mortgage payment prior to the refinance in XX/XX/XXXX. 

Currently, Wells Fargo is avoiding us and continually telling us they need an additional 10 business days to investigate. This has been going on for 3 months. Once the additional 10 days has passed they tell us they need another 10 days.
THIS IS FINAL NOTICE FROM ME! 

I want to complain about false statement of debt, reported by Enhanced Recovery Company , LLC ( ERC. ) I complained already with same issue and finally verified the debt ( reported by ERC ) that it is not mine. I received the XXXX bill from ERC on XX/XX/XXXX and I verified that the debt was not mine. The name on the bill was not my name, the address on the bill was not my address ( never lived there ) and NOTHING WAS MINE! But ERC reported the debt to my credit report for a long time and my credit has been messed up, this is absolutely not acceptable and must be corrected and compensated ASAP. I attached the bill from ERC here and other support documents for your reference. See the attached files. Again, my name is not XXXX XXXX and I never lived in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX and I lived in XXXX XXXX in XX/XX/XXXX which showed billing period. 

Since the debt does not belong to me, I requested to ERC to get rid of it ASAP, but I have not heard/received anything from ERC. So, this is my final notice to ERC to get rid of the false debt from all XXXX credit bureaus right now and send me the confirmation letter by mail to the address ( XXXX XXXX XXXX XXXX XXXX, WA XXXX ) in XXXX business days from now. If I do n't here anything from you, I will absolutely bring a lawsuit right away.
i was paying XXXX on my loans on a fixed income next thing i know my loan was sent to another deparment and i was paying them now so a year passes and my student loans went into default and collection agency. it screwed up my credit score form XXXX  to XXXX. it took me a why to get it straighten out some what and they didn't consolidate my loan the first time like i wanted it to all to come thru them. so after 4 motynhs and back and forth my credit beacuse of this si still XXXX  up and i am noe paying a higher intrest rate and will half to pay them more money now. i went to XXXX  state and XXXX  college. i have been in XXXX XXXX since first grade and cant do algerbra and cant spell or say big words. bot colleges i went to failed me imditae cause of my situation on the math and language. i got no help no tutors aviable i asked teachers for help to and got none. any ways XXXX XXXX  up my loans so bad. my credit is now ruined
This debt is not mine. I received a letter from my employer informing me that there was a breach in our database and my info was stolen as well as many others. This debt is not mine please stop the harassment.
In XX/XX/XXXX I filled a dispute for accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. Bankruptcy Ch-XXXX, And Hard Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX/XXXX   XX/XX/XXXX 3.  XXXX/XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Using their online dispute tools, I wrote : I have no contract with this 3rd party collection agency, therefore Im not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

And, I did not file bankruptcy, therefore im Not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

On XX/XX/XXXX XXXX  removed the account from my credit report. But on the same day XXXX   allowed XXXX XXXX XXXX to resubmit the false information. 

And there is an account, XXXX XXXX XXXX XXXX, on my Credit Report that does not belong to me. I disputed this information with XXXX requesting validation of the account ( i.e. any contracts or proof of agreement to pay ). I still have not had this item removed from my report.
I seem to now have to issue 's, so I 'll begin with the first ( this will lead up to the second ) ... Around XX/XX/XXXX or XX/XX/XXXX if this year I notice my mortgage was not reporting to XXXX, but was reporting correctly to XXXX and XXXX. I contacted Ocwen Loan Servicing and ask if they would report my account to XXXX. The representative replied to me that they report to all four major credit reporting agencies. I was instructed to fax to them proof they were not reporting my account. I faxed over to them all the required information to prove my case. Now I do n't want to make this real long so please understand that for months I 've gone back and forth with XXXX and Ocwen to get this resolve. As of today, it still not showing with XXXX. On XX/XX/2016, I spoke with XXXX and transducers me to inform Ocwen to get the person that works for XXXX and handles their account to get involved. I fax a written request to Ocwen asking them to speak with the liaison the have that works for XXXX to correct this. I still have not heard anything back from them as of today. Now this brings me to my second issue .... I went online to bring up my account with Ocwen to get their phone number and call them to get an update. I notice my name was different on the most updated statement and on there website page. My name has always been correct and written on all documents as : ( I 'll write it later ) the missing part on my current statement is XXXX And on their website, rather XXXX on it, it has an!, not sure why these changes are and if this is legal. I 've received no notice to legal change my name, by them, on any document 's nor have I ever given any approval for that.
I was unemployed and on Medicaid at the time. This ER center said they took Medicaid prior to my arrival. It a simple visit by a doctor, XXXX and prescription 's had written and I was on my way. I was n't there more then 45 minutes.
My account balance with   XXXX   XXXX   XXXX   was discharged in a Chapter  XXXX  Case #  XXXX  filed  XX/XX/XXXX  and converted to a Chapter   XXXX   XXXX   filed XX/XX/XXXX . To date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.
Back in XX/XX/XXXX, I had attended a school called XXXX XXXX XXXX XXXX XXXX for a certification program for computer programming. The original loan was with Sallie Mae taken for the amount of {$11000.00} at 13 % interest. I have had payment issues on this loan in the past and had the load deferred and in forbearance and missed a lot of payments. 

Well today the loan is with Navient since they bought Sallie Mae and today the balance of the loan is now at $ XXXX@ 12.25 % I believe there is a lot of invalid information on this loan that is invalid and below lists the possible issues 1- Loan was taken out in XX/XX/XXXX through Sallie Mae but according to Navient, the repayment start date is XX/XX/XXXX 2 - Original Principle was for {$11000.00} today the balance is {$13000.00} 3 - Interest Rate was at 13 % and now at 12.25 % and it is variable 4 - The school I attended was XXXX XXXX XXXX XXXX XXXX - Which is no longer in business 5 - School that Navient has listed is " Direct Loan '' this is not a school and nor did I ever take a loan out with Direct loan going to this school. 
6 - Looking at Payment history on Navients Website only goes back to XX/XX/XXXX but disbursment happened on XX/XX/XXXX according to Navient 7- Since inception of this loan, I have paid a total of {$22000.00} with late fees, payments, forebarences, etc 8 - I contacted Sallie Mae to talk to them about loan forgiveness and they started asking a bunch of questions. They asked me where I lived and I gave them the address of where i lived at the time. I lived with my girlfriend so they asked me where i lived and I gave them the address, They then told me that the house I lived in ( Not mine but my girlfriends house ) was worth a certain amount and thus told me to take out an equity loan to solve the debt. How do I do that on a house that is not mine? 

I feel that I have been suffering with this loan for a longtime now and have paid the borrower double at this point and am looking for some relief.
Experian has re-inserted an account on my credit report that is fraudulent. I believe they are doing this to boost their sales of their id protection products. This is illegal and against the law. They refuse to allow me to dispute this account on line calling my claim frivolous. The following account is fraudulent and has been deleted and was fraudulently re-inserted on my Experian credit report : XXXX XXXX XXXX -- # XXXX
I received a phone call at my place of employment from someone who would not report who they were, however, claimed I owed them money from credit card debt. After hanging up and tracking their phone number, I learned who they were. 

Praxis Financial Solutions XXXX XXXX XXXX # XXXX XXXX, IL XXXX ( XXXX ) XXXX They called under the phone number " XXXX, '' which can be traced to their company.
I can not take my personal and bussiness credit report for free and I think I 'm a victim of fraud, but I can not control it. Also, my problem is that I have been out of the  US  for about a year and making phone calls is difficult and very costly. I need your help.
I applied to Goodyear Credit card services    XXXX   XXXX    as well as  XXXX   XXXX  and was told both times I have an account already with them and my account is in default. But in  XXXX   XXXX  I filed bankruptcy and all my debts were  discharged  and I should owe nothing nor have any record with them.     I contacted my Bankruptcy lawyer and he told me to first send copy of Discharge paperwork which I did in late  XXXX  to  Goodyear Credit Services  but as of today  XXXX   XXXX  never heard anything and when I try to apply online for any type of credit I am informed this balance is still owed. My attorney then told me to contact the CFPB and file a complaint.     Also I had another similar instance with a bank I had done business with and was told I still owed the bank money (  XXXX   XXXX   ).   (    XXXX   XXXX   ).     I wrote the  Goodyear  Card Services ( See attached ) and never received any type of reply and that was  XXXX , while the bank still holding this against me was also  XXXX , but the credit union who conveyed this to me on the bank said there was nothing I can do to correct as even though my debts were  discharged  my negative record/report was going to remain on this report indefinitely. I have nothing from   XXXX    XXXX   or the  XXXX   XXXX   XXXX  to show as I was verbally told by the  XXXX   XXXX   XXXX  in  XXXX , CA. I can provide more info to your office on this credit union if you want to privately email me.
To Who m it may concern, We applied a loan modification with Ditech last year and we 've been paying on time from  XX/XX/XXXX  -    XX/XX/XXXX ( 3 month s trial ) then we got approved and started paying the regular mortgage  from  XX/XX/XXXX  - current. Since then DITEC H ( Lender/Mortgage ) is not rep orting our payments and not updating our accounts to current. We 've been calling them and asking many many times to get it fix because they 're also reporting us to credit bu reau that we 're behind 5 months payments. The only answer that they can give us is we have to wait 2 weeks and they  will call us. It 's been 6 months now and they have never been updated our account and they are still negatively reporting to our credit. I found out that many others having the same exact issues like mine with DITECH. There are past and current class act lawsuits against them and I want to participate. Please help us, all we want is to bring our account current and stop them reporting negative to our credit bureaus. Please you can call me at  XXXX  and my name is  XXXX   XXXX  DITECH Account number  XXXX
I had a fraud issue 7 or 8 years ago and put a freeze on all three credit bureaus. I now need to purchase auto insurance and my insurance company needs to look at my credit bureaus. 

So I need to temporarily removed my credit freezes. I was able to do this at XXXX and XXXX easily and was able to speak to a customer service representative at both bureaus even on Sunday XX/XX/2018 to resolve the few issues I had. 

The problem is I can not get the freeze removed from Experian. The website doesn't work and provides no options to speak to a live person. I have tried 5 different phone numbers listed below. Most bring me to the same machine that can not do this for me and like the website provide no alternative to speak to a live person. 
XXXX XXXX XXXX XXXX XXXX So my credit file remains locked and I am unable to get the car insurance I need as a result. This is without question the most frustrating issue I have dealt with in many years. This company has my credit file hostage and there doesn't appear to be anything I can do about it. 

I would very much appreciate any help you can provide me. 

Thank you
On XX/XX/XXXX I recieved phone call on my work phone XXXX XXXX XXXX from XXXX with vm to contact them. I sent them a cerified letter dated XX/XX/XXXX requesting that they do not call me at work and they recieved XX/XX/XXXX. I have all documents. I called them back at XXXX est XX/XX/XXXX and spoke with XXXX in regards to vm. She was trying to collect money on bill that I have been paying them regulary since XX/XX/XXXX. I asked why she was calling after they had wriiten notice and she stated it wasnt handled properly.
I graduated from XXXX XXXX University in XX/XX/XXXX. My loan servicing company cant give me any information on when they originally received my loan. I was steered in the direction of forbearance for all these years with years of incurred interest. My loan my was around 15,000, now is XXXX the majority of the total is interest. I will be begin to pay this loan in XX/XX/XXXX.  These loans were taken out in XX/XX/XXXX.
XXXX XXXX XXXX has deliberately moved charges on my account on two different occasions so they could charge me overdrawn fees. They moved the bigger charges first so they could put the smaller ones on last to charge my account six overdrawn fees.Some of these charges had already cleared my account two days earlier. How can a person survive with such conniving going on behind your back. This bank has been sued before for this exact process and lost the case. Which did get us a handsome refund due to their negligence.
I received a letter from Chase about a CD that was up for renewal on XXXX/XXXX/2017. As the proposed rate for the renewal CD was only .02 %, I called the number on the letter to inform the bank that I wanted to non-renew and have the balance roll to checking. After getting through the awful automated phone system, I finally got to an agent. Following my explanation he informed me that I had to go to a branch to effect that transaction, despite the fact that the letter had included that phone number. I asked for a supervisor and he told me he was a manager. I still asked for his supervisor, so he put me on hold. 
When he came back on the line, he did not have a supervisor but said he had gotten " an exception '' to perform the transaction. Then he informed me that there would be a penalty. When I asked why in the world there would be a penalty, he said it was because I was calling before the ending date on the CD. When I explained that I wanted the transaction to occur on the end date ( two days from now ), not today, he told me I could not inform them in advance, but had to call on the specific ending day to avoid this penalty. 
I told him that he should be able to take the information and set the transaction up in advance, but he said he could not. Finally I told him to just finalize the transaction, as I 'd spent far too much time on this already. While the penalty was just a couple of dollars, I think this is outrageous. 
I am a Private Banking client at Chase, and so wonder what happens to customers who are not!
On Tuesday, XX/XX/2018, I sent {$300.00} to an individual via XXXX for concert tickets. The concert tickets were never delivered to me. The person I sent the money to did not respond to any of my messages after the money was sent. I have a Bank of America account. After looking into my options online, this is my first recourse. I have never been scammed like this before, and I feel really dumb. {$300.00} may not be a lot to Bank of America or  a company like XXXX, but it is a lot to me.
I did not authorize Wells Fargo on XX/XX/2017 to do a Hard Inquiry on my credit report. I called customer service to dispute the item but the issue has not been resolved.