WillisBack/dataset-financial-user-claim huggingface dataset:
I received notice today from my government credit monitoring service that some collection agency had put two collection accounts on my credit bureau today!!! I have NEVER received anything from them in the mail and have no idea who they even are, they are breaking every FDCPA law there is and I want to know who they are so I can possibly take them to court and sue them!! I am an ex federal employee and my information was hacked during the OPM breach. I am also a twice XXXX  mother who is insolvent due to the market crash which cost me my jobs over and over while working in the investment industry during the recession too and I am also insolvent so have 0 money, so they are wasting their time trying to " pick another carcus clean ''!!! I want this removed from my credit reports NOW and I want to know who this bunch of crooks is so I can contact an attorney about them breaking the FDCPA, I also used to work as a law clerk so will have no problem getting free legal advise!!! Please address this issue now!! Information from my credit report below on them. 

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/ - {$1400.00} Original creditor : XXXX XXXX XXXX A Overview You've paid off 0 % of your collection amount. 

Balance {$1400.00} Highest Balance {$1400.00} Opened XX/XX/ ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX SEE AN ERROR? 
You could dispute an error with XXXX. 
GO TO XXXX  Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/ - {$990.00} Original creditor : XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 

Balance {$990.00} Highest Balance {$990.00} Opened XX/XX/ ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX  SEE AN ERROR? 
You could dispute an error with XXXX. 
GO TO XXXX Creditor Information XXXX XXXX XXXX
In XX/XX/2016, my husband and I began a loan repayment plan for our home mortgage which was past-due with Wells Fargo. The repayment plan was for six months and each monthly payment was to be {$1200.00}. 

We recently completed the plan this XXXX, however, we received an 'Urgent ' note on our door telling us to contact Wells Fargo Mortgage, immediately. We also went online and reviewed our last mortgage statement and the last two payments that we made are not reflected on our statement leaving us with a past-due balance of {$2700.00}. 

XXXX, our XXXX, is the representative specifically assigned to our case. We have made numerous efforts to contact XXXX, but have not been able to get in touch with her. We have, however, spoken with at least three other Wells Fargo specialists only to be told three different things. One representative told us that we had only made partial payments and that we still owed almost {$800.00}. Another representative said, that according to information on her screen, we had not made a mortgage payment in 47 days. 

I have attached all the necessary documents to verify that we have complied and made all of the payments of our repayment plan. We would like our account to be credited and brought up to date immediately and we would appreciate your help in facilitating this matter. 

Thank you kindly, XXXX and XXXX
This company keeps saying I am 4 payments in arrears. I keep saying it is only 2 payments ' have repeatedly asked for the accounting records. All they have produced is a document showing two payments in arrears, yet they are threatening foreclosure over this fact that I am 4 payments behind.. In California that is illegal. 
I have asked for this 5 times in over 90 days. They must stop this harassment and provide accounting.
Every 5 years the city re-analyzes the real estate value of the houses, which changes the real estate taxes owed. The taxes on our house ( XXXX XXXX XXXX ) went up significantly and thus the escrow account had a negative balance. On XXXX XXXX, 2016 my husband and I went into the Wells Fargo office and expressed concern that the mortgage had yet to be re-analyzed and requested that this be done. By this time we had paid off the negative balance in the escrow account but knew that the mortgage would change due to having to meet this higher real estate tax. They informed me that a mass re-analysis occurs in XX/XX/XXXX, and that the account was already scheduled to have that happen. I told them that I was n't sure how much the mortgage would be or how behind the escrow was because it had n't been analyzed yet, but that it was very important to us that it happen sooner rather than later. We currently have XXXX mortgages with Wells Fargo, XXXX mortgage has been re-analyzed twice since the new real estate tax once in XXXX and then again in XXXX. It is now XXXX XXXX, 2016 and when I go to Well Fargo online and check the escrow account it reflects no change to my monthly mortgage payment, I have been checking daily since XXXX XXXX, 2016 when the mass re-analysis was to occur. The website now indicates that a reanalysis would be done XX/XX/2016. I was promised that the account was scheduled to be analyzed. While I do n't agree with the practice of re-analyzing an account and not updating the consumer in writing regarding their new mortgage payment with potential options to mitigate that change, I am even more dismayed that Wells Fargo has simply put off doing an analysis, even with an explicit request from my husband and I. Every month that the mortgage is n't re-analyzed, the amount that needs to go into the escrow account becomes more behind, and the payment has to increase more to compensate. Waiting this far into the year causes the consumer undue hardship, our mortgage could increase by as much as {$400.00}, if Wells Fargo had done the mass re-analysis on XXXX XXXX the mortgage potentially only would have increased by {$200.00}. Every month that they fail to perform a re-analysis on the mortgage our payment increases by an additional {$50.00}. I am attaching a screen shot of the escrow account as it appears in my online account as of today XXXX/XXXX/2016 at XXXX EST.
This company has illegally collected my personal information, through a hospital I never went to, and will not verify debt with a signed contract. There are two collections, one for {$1000.00}, and one for {$1600.00} for the same date of XXXX XXXX XXXX. I have contacted Central Financial Control at XXXX XXXX XXXX, as well as several phone calls to XXXX to get this collection removed from my credit reports. I 've disputed and received no response, nor a signed contract between myself, Central Financial Control, or any hospital. Yet somehow, on XXXX XXXX XXXX, they were able to report that I still owe this debt that is n't mine. Even if there was a contract with myself and the hospital, both companies violate HIPAA by receiving and distributing my personal information, including SSN, birthdate, and other identifying information. I got an account number for one, but I never got an account number for the other. When I called, I spoke with XXXX, and she gave me the most absurd runaround and bounced me between agents until one hung up.
CAPITAL ONE 360/XXXX XXXX XXXX WHY DID THEY FREEZE MY ACCOUNT XXXX XXXX XXXX? WHY DID HE DEFRAUD ME? WHY ARE YOU LETTING THIS MAN COMMIT ACTS OF FELONY ON THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS IT BECAUSE I DIDN'T GO AND SIGNED MY FILE WITH THAT HIM AND HIS OTHER BANKER XXXX XXXX XXXX CEO, Chairman & Director, XXXX XXXX XXXX XXXX XXXX XXXX , Massachusetts XXXX Phone : XXXX AND XXXX XXXX CEO WHAT ARE YOU AGENCY GOING TO DO ABOUT THIS?
I have disputed this inaccurate infroation 4 times, last transunion dispute # XXXX. 

There are 2 accts on the credit report from same creditor XXXX XXXX # XXXX ( creditcard ). XXXX XXXX # XXXX ( Loan ) both accts discharged chapter XXXX bankruptcy, but the have 1 acct XXXX XXXX # XXXX ( creditcard ) as open and other XXXX XXXX # XXXX ( loan ) show closed which is correct. 

Both accts were discharged via the same chapter XXXX bankruptcy and both should show as closed, but everytime disputed transunion states it is accurante. 

XXXX and XXXX show both acct closed and dischanged chapter XXXX bankruptcy, which means transunion is not actually doing an investigation, otherwise i would like to know why other credit bureau show accurante as both acct being closed and dishcarged chapter XXXX bankruptcy, since i have disputing this 4 times, this inaccurante acct should be deleted immediately.
Caliber Home Loans has increased my Mother 's monthly mortgage payment by increasing the escrow by {$300.00} though the Home Owners insurance is at a maximum and the Property tax has not increased. This is not legal to my understanding because the escrow only includes funds for mortgage insurance and funds to pay the property tax. 

Caliber also never stated what the percentage rate increase would be, after the five years my Mother was supposed to pay {$1100.00}. My Mother has no paper work that indicates what the mortgage payment will be after the modification period ends ; Caliber Home Loans has increased my Mother 's XXXX monthly mortgage payment by increasing the escrow by {$300.00}. The monthly mortgage payment is now {$1400.00}, what will it be after the modification ends? 

Caliber home really wants to take possession of my Mother 's home ...
I demand to see V erifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof , you must remove the accounts listed below.I demand the following account be verified or removed :  XXXX   XXXX    XXXX   #   XXXX    XXXX  : Unverified account Beside that, the below information is too old to have in my file, please delete it immediately :  XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX
immediately Following 2 yrs of unemployment, I Started working as an XXXX at a local XXXX XXXX  with a hire/start date of XX/XX/XXXX. My husband and I had just filed our joint income tax return for XX/XX/XXXX ' approx XX/XX/XXXX and was supposed to recieve our federal refund within 7-10 days. Approximately 13 days in, and have n't heard anything so I call the IRS and that 's when I realized our return was intercepted by Pheaa. It was n't until 4-5 days after this that i received notification via hard copy from the Irs. restating the interceptor/debt collector also identifying itself as pheaa. I was never informed by pheaa that my acct was in collections to begin with. I had ben given forebearances/deferments but never recieved notification of default. I contacted pheaa to inform them I had just started employment a couple weeks prior following 2 yrs of unemployment. According to their policy, they would n't seek further collections until i have ben employed for a continuous 12 months. So I would call back and set up payment arrangements when it got closer to the 1yr mark with my new found employer.. Well due to a protected Right, I was terminated from employment, having working my last day on XX/XX/XXXX, they suspended me and actually gave me a termination date of XX/XX/XXXX ( wrongful termination ) I never found employment until i found employment with a actual hire date of XX/XX/XXXX ( being unemployed for another 3 months ) I recieved my first pay check beginning in XX/XX/XXXX, and pheaa, without notification or informing me, had illegally began a wage garnishment on my paychecks not to mention by income tax return of {$5000.00} from back in XX/XX/XXXX that was mostly my husband because w filed jointly and he did no t owe debt.. I never knew that i could dispute the wage garnishment until XX/XX/XXXX. where i Had to send appeal to this attorney law office squire guy, for with my reason for appeal being checkmarked '' I was n't employed for a continuous 12months ''. Provided that I provide evidence that i had not ben employed for a continuous 12 months in order for them to stop wage garnishment. I provided them evidence from my current employer, where they confirmed by hire date of XX/XX/XXXX, and included everything for this wage garnishment to be stopped and this XXXX XXXX ( dcider of case ) was in favor of pheaa. I had proof of everything and i do n't actually think this XXXX XXXX looked at ... Them make matters worse, XXXX XXXX ordered pheaa to take 10 % of my monthly wages and they are taking double that out f my wages '' I make $ XXXX  month and they have ben deducting approx $ 400-560 a month
This account does not meet the FCRA by the fact that it does not list the original creditor. I legally have the right to know who the collection agency is representing and if that debt is valid.
this collection was put on my credit report on XX/XX/16 this is not my debt I have corresponded with this company on several occasions with no avail to remove this account of my consumer credit report it was obtained in fraud and sent to collections for {$72.00}. this has ruined my family 's ability to obtain credit in the future I have been turned downed. and it meets FCRA regulations per my Attorney XXXX and XXXX  already have taken it of there reports
I was not late with my XXXX XXXX XXXX account # XXXX I was not lat on my payments on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I was late on XX/XX/XXXX but that was because I was hit with hurricane Irma I have paid and made up for that payment
Debt was paid today and within XXXX minutes creditor negatively reported it to the credit bureaus. When I called back to ask for an explanation, she continued to be aggressive and act as she either did it on purpose or was covering for her colleague.
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


I C SYSTEM INC {$820.00} XX/XX/2018 XXXX
I deposit a check to Chase bank to one of their Teller on Monday XXXX. XXXX and it was saying depending. The next day on XXXX XXXX I check my account threw my text and it said chkXXXX avail {$190.00} at XXXX and the I check again it said chkXXXX avail {$10000.00} at XXXX. I paid some bills threw the online banking and then went to the bank to get a new debit card and get money out and they tell me the check is still depending. How can it it is depending when I look online it say available balance still there of {$5200.00} and all the bills i pay online when threw. The banker at chase put a hold on all my money.
XXXX  FAILED TO UPDATE XXXX LOAN NO.XXXX, THIS ACCOUNT WAS DISCHARGED ON XX/XX/XXXX. UPDATE TRADELINE AS A DEBT CANCELLATION OF XXXX. PAID CLOSED CANCELLED.

ALSO, XXXX XXXX XXXX   NO.XXXX WAS REPORTING PAYING AS AGREED NEVER LATE PRIOR TO THE BANKRUPTCY OF XX/XX/XXXX.

RE-INSERT XXXX XXXX XXXX NO.XXXX. PAID IN FULL VER LATE AND CLOSED.

LASTLY, XXXX XXXX XXXX IN AN INVALID TRADE OF XXXX.

UPDATE STATUS PAID IN FULL, CLOSED/TRASFERRED TO RCS. XXXX IS NAMMED IN BANKRUPTCY XX/XX/XXXX AND DISCHARGED XX/XX/XXXX.

DELETE ALL HARD INQUIRIES FOR THEY ARE INCLUDED IN BANKRUPTCY.
We applied for our loan back in XXXX 2016 with a loan officer and she left and no one called us to let us know she had left we called to to see what was wrong they said we got this to being XXXX the XXXX 2016 for signing and set appointments to no one called to let us know that they had not sent paperwork for closeting XXXX XXXX XXXX still no information I wish Cardnial financial had to deal with all they have put my family through and they are still not taken the Balme for anything Cardnial IF ANY ONE ASKED ME FOR INFORMATION ON YOUR COMPANY IM GOING TO TELL THEM NO NO LOOK SOMEWHERE ELSE
I have been the victim of identity fraud and have noticed that there is a collection account that appears on my credit file listed as XXXX. I have disputed the information several times and had it removed previously. The company in question can not send me any verification to prove that the account belongs to me. please have this account removed from my file as it is ruining my financial situation.
I got a credit card with Discover and I lost my job shortly after. I tried contacting discover to explain why my account had got into the late status. I contacted them and was told the department I needed to speak with was n't available and they would call me back. I never heard back. I then received a letter form   XXXX   and  XXXX   XXXX  in  XXXX   notifiying me that Discover had hired their Law Firm and for me to contact them in 30 days if I was denying the debt from a discover.  I received a statement of claim from magistrate court of  XXXX   XXXX  Georgia on  XXXX   XXXX    XXXX  . I have repeadly tried to contact the attorney on the paperwork and only spoken with them once. I was told to contact them again once I had made my decision or made a counter offer and I have since contacted them on Wednesday  XXXX   XXXX    XXXX   at  XXXX   XXXX  Friday  XXXX   XXXX    XXXX   at  XXXX ,  XXXX ,  XXXX ,  XXXX    XXXX   All of these times i have left voicemails. I have also emailed them multiple times and the attorney  XXXX   XXXX   XXXX  said she would forward my emails for him to call me back and he has n't. The man I have spoken to on Wednesday  XXXX   XXXX  at  XXXX  ;  XXXX   XXXX  his name is  XXXX   XXXX  with  XXXX  and  XXXX   XXXX . I was told I had to give them an answer by Tuesday  XXXX   XXXX    XXXX   whether it as going to agree to payments or agree to the amount they offered for a settlement. I was told by  XXXX   XXXX  that I could counter offer their settlement which I was trying to do by my repeated attempts of phone calls voicemails and emails. I left the amount of my counter offer in an email and on a voicemail. I was threatened that I had to answer by  XXXX   XXXX  which is not 30 days after I was served
credit systems has ruined my credit history, it prevented me from getting approved for home loan due to multiple agencies keep collecting and selling the same debt to other debts collector agencies making it look like i have more debt than i actually do, i already paid what i owe the XXXX $ .XXXX that has sold my original account to multiple agencies collecting the same debt.it stills shows on my credit history and my wife as well even when i paid off my original debt.
This bill belongs to my ex wife for her child, XXXX XXXX who is not my child. The military allowed step children to be on my insurance. This DOES NOT make me responsible for her bills. Her parents, XXXX XXXX and XXXX XXXX are responsible for this bill NOT ME. We were separated and preparing for divorce at the time. I never signed taking responsibility for her bills other than providing insurance coverage for her as allowed by law. Allowing the childs mother to put me as being responsible for their child does not make me legally responsible for their bills. 

There are XXXX accounts for this child that have been sent to collection in my name! I want all XXXX removed immediately!
I have fraudulent accounts listed on my Experian credit report that do not belong to me. I have sent numerous letters and police reports to Experian informing them I am a victim of identity theft and the accounts listed on my Experian credit report, do n't belong to me, but Experian keep on sending me letters informing me the fraudulent accounts are my accounts and the information is accurate. The following accounts due not belong to me : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Every day I am receiving 2-3 calls a day, up until XXXX XXXX from AMERICAN EXPRESS. The number shows as XXXX. After so many calls, I called the number left for me to call for a very important matter. The number to call is, XXXX. 
After reaching a live agent, I was told to enter my card number, OF WHICH I DON'T HAVE. I explained that 40 years ago I had an AMERICAN EXPRESS CARD, when I was in the work force. Also there is no one at my home except me, and please stop calling as I do not owe them.
cra violation of my consumer protection act po report sent to XXXX, XXXX, trans inaccurate information must be removed
I disputed inquiries that were not made by me however I have not heard back from them  XXXX ,  XXXX  and TransUnion
The complete request for short sale packet was submitted to Ocwen on XXXX XXXX XXXX. On XXXX XXXX I received my first payoff which I confirmed that the loan with Ocwen would be paid in full from sale proceeds. At THAT time on XXXX XXXX when I called and spoke to the short sale department to let them know that we would only be doing a short sale on the second because this loan ( loan with ocwen ) would be paid off in full that the foreclosure date was suspended. And I was told to just be sure to send in the 2nd lien approval as soon as it is received. I received the second lien approval on XXXX XXXX and called and spoke to someone in customer service to again confirm full payoff status and the closing date of XXXX XXXX ( I do not have the name because the call was outsourced to someone in XXXX XXXX and the names and spelling are difficult to register. I was told to email the letter and the hud that matched and also confirm the suspension was still in place. I had no reason to think we were in danger as I hadnt received any calls or correspondence from Ocwen that would raise suspicion of the foreclosure suspension being lifted. On XXXX XXXX when I called in for an updated payoff for our closing date the following week you can imagine my shock and the sickness I felt when I was told the property was sold to a third party on XXXX XXXX.
Rushmore is denying a short sale that we have had in process for 60 days before the foreclosure date. They never did an interior appraisal. They only did a drive by one and gave it an unfair market vlaue. We provided pictures, comparables, and a detailed explanation for why their value was too high. We even got an ALL cash buyer to take on the responsibilty of fixing the home to avoid foreclosure. Now they are transferrign the loan to XXXX Mortgage. But the foreclosure will take place before the transfer. We need help.
I have recently noticed that a reporting agency has been reporting a debt to the  XXXX  credit bureaus that is not mine. When I contacted the company, they can not tell me how this happened nor do they see anything related to my name on this account however we share a social security number which is impossible. The original account was opened in   XXXX   at which time was only  XXXX   years old. Thi s person is not a family member or a friend of my family. The only commonality between us is that she lived in the apartment I currently reside in.
SHELLPOINT MORTGAGE - RIDICULOUS ESCROW AMOUNTWe recently purchased a new home and used a loan officer. He basically went to several banks to see where we could get the best interest rate, etc. Ultimately the mortgage is with ShellPoint Mortgage. Since day one they are charging us a ridiculous amount for an escrow payment. We, my husband, myself and our loan officer called them XXXX/XXXX/2015 and requested an escrow analysis be done. It is now XXXX XXXX, 2015 and every time I call they tell me they will get it to their supervisor to process today. Never happens! I have called almost every week and get told the same thing. Please help.
My problem is my mortgage company say I have an overage in my escrow every year and have been charging me more than my taxes and insurance every year, now it has gotten out of control and my taxes and insurance haven't gone up but my escrow keep going up for what reason I don't know. My mortgage is currently with seterus. Yes I have missed a month here and there over the 15 years I've had the mortgage but never have I been in forclosure.