WillisBack/dataset-financial-user-claim huggingface dataset:
We have an escrow account setup with mortgage lender ( Wells Fargo Home Mortgage ). The escrow account is setup to pay property tax and homeowners insurance. We, the homeowners, received a delinquent property tax bill for XX/XX/XXXX taxes, the invoice date is XX/XX/XXXX in amount of {$1400.00}. Apparently the lender did not declare our property as the lienholder ( this was revealed to us by the Board of Equalization 's XXXX XXXX XXXX and therefore did NOT receive our XX/XX/XXXX property tax bill. We were told to fax the tax invoice to our lender for them to process payment. Then, a month later XX/XX/XXXX, the lender notified us that they paid the tax bill and paid an additional {$280.00} for penalties/interest or loss of discount. We were then contacted on XX/XX/XXXX by the Board of Equalization that the lender OVERPAID the {$280.00} and is required to request a refund to put the money back in our escrow account. Meanwhile, the lender sent us an Escrow Review Statement showing we have an escrow shortfall and to either pay shortfall of {$1800.00} or receive higher mortgage payment amount ( from {$1700.00} to {$1900.00} ). We contacted the lender on three separate occasions to protest their overpayment of {$280.00} and to request not only that they refund us, but to also re-review our escrow shortfall. We can not afford for our mortgage to increase over $ 170/mo and we also expressed our concern that they were not shown as the lienholder on our parcel number with the XXXX County tax department which would prevent them from receiving future tax bills and paying taxes via escrow account. Is n't it illegal to collect escrow money and not be the lienholder on property. Wells Fargo has not only caused us distress with paying our taxes but has OVERPAID with interest of {$280.00} even though the BOARD OF EQUALIZATION CLEARLY STATED THERE IS NO INTEREST ON THE INVOICE AND TO ONLY PAY THE PAST DUE AMOUNT OF {$1400.00}. ATTACHED ARE THE DOCUMENTS..
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services.
I monitor my credit report through XXXX XXXX and I receive an alert if there is a change indicated on my credit report. On XXXX/XXXX/XXXX a company named XXXX XXXX XXXX. XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX placd a collection onto my report XXXX XXXX XXXX in which has been sold to several different companies and also previously removed from my report on the following dates, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX.
The first phone call from a collection agency I was told that I didnt pay my bills and that they were going to have to do what they have to do. Suggesting damaging my credit because they were aware of me working vigorously hard to fix my credit after my bankruptcy. The agent from the collection agency on that call was very aggressive and condescending. Two times I was threatened that my credit will be severely damaged if I did not make payment or set up a payment arrangement. After that phone call I contacted the original creditor and set up payment arrangements and explain to them that I do not want to have any interaction with the collection agency because of the first contact with that collections agency. I never Received any written correspondence from the company. The collections agency only contacted me three times. But after the first contact as I stated I wanted to deal with the original creditor. In agreement was made for monthly payments. In the agreement was in good standing that agreement from the original creditor was communicated via email to the collection agency. And the collections agency had no regard for that agreement.
Hello, I would like to file a complaint to dispute the claims of a XXXX credit card that was created in my name XX/XX/XXXX. This particular credit card was created in a fraudulent manner in which I had no knowledge of until XX/XX/XXXX. XXXX/NCB never brought this matter to my attention because they claimed while I was in military service, they did not want to burden me with this matter. I am still in military service with the XXXX XXXX. I was XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. I am still in military service for the California XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I have included several supporting documents to include my XXXX in which shows my service in XXXX XXXX time and the transference to the XXXX XXXX XXXX. I have also included the court papers in which NCB claimed they served me in XX/XX/XXXX. I was never served or given these court papers. Lastly, I wish to state that I must maintain proper standing for my XXXX clearance for the government. A suing and or debt of this matter would of prevented me from obtaining my clearance if this matter was brought to myself or my employers attention. This credit card account never appeared on my credit report in the past 10 years. Please let me know if you need any additional information from me in regards to this matter. Thank you.
My rights as a consumer are being violated and expect this complaint to be taken seriously, as XXXX XXXX has a history of abusing the very consumer ACTS meant to protect consumers from such overreaching violations. 

This complaint is ongoing as previous responses have been deemed inadequate and failed to provide proof of credit inquire consent or produce any form of loan request documentation that would have authorized the company in question ( XXXX XXXX ) legal right to pull my credit as outlined within the Fair Credit Reporting Act. 

It is my expectation as a consumer to be protected from unwanted an unauthorized inquires. None of the so called justifiable reasons that have been provided applies to my informal communication with XXXX nor have they provided any proof to the contrary.
Homepoint is unfairly charging me {$130.00} for forced placed insurance coverage. On XX/XX/XXXX I mailed a copy of the my XXXX renewal to Home Point. On XX/XX/XXXX I received a letter requesting proof of coverage. I uploaded and faxed proof on XX/XX/XXXX. On XX/XX/XXXX I received a letter saying wind coverage is required. ( XXXXXXXX XXXX, who sold the loan to Homepoint, did not require wind coverage ). I purchased new coverage including wind effective XX/XX/XXXX. 

I complied with Homepoint 's request within 24 hours I will not pay for forced placed coverage as the delay was on the part of Home Point Mortgage. Had Homepoint notified me in a timely manner there would be no issue.
I closed my account with XXXX 6 months ago, paid off all balances in full. This morning, I received an alert that I owe XXXX on the card. 

XXXX attempted to charge the card a dozen times, and on the final attempt, XXXX allowed the payment. I stated to them on the phone when I closed the account, that no charges should be further allowed, and they acknowledged that in the affirmative. 

XXXX has admitted their mistake, but XXXX has taken no responsibility, and said it will take 60 days to investigate my claim. This account has been closed and paid off for 6 months, with explicit instruction to deny any charges.
I have tried to dispute this with   Equifax   multiple times to no avail.   Equifax   is reporting a  XXXX   XXXX  Foreclosure from  XXXX  is currently  XXXX  days past  XXXX . The home was foreclosed at a  XXXX  balance in  XXXX  which is reflected on the report. It is physically impossible for me to be  Currently  120 days late on a  XXXX  balance, and it shows it was never even 120 days past due on top of it! Based on the FCRA, they need to be accurately presenting my credit which they are not doing.     I escalated with  XXXX   XXXX  who spent a lot of time with me investigating each code they were sending to Equifax and stated they are reporting it correctly and I need to escalate back to Equifax because for some reason they are not mapping it back to my credit report correctly.  XXXX   XXXX  even had 2 physical humans working through the file on my behalf to ensure they were submitting the data correctly back to Equifax.     Equifax is stating all they can do is re-dispute instead of just fixing the status or removing it off the report. Both   XXXX    and  XXXX  have already fixed it on their system, but Equifax refuses to do so.
personal names are not mine. I am XXXX XXXX XXXX. No other names should be listed.
I have a copy of my credit report and there were XXXX accounts reporting with Santander. The information reporting was not complete nor did it look accurate. It was disputed with the bureau and the information was not complete so I sent a request directly to Santander requesting validation of the debts and what they send was unacceptable. It does not validate the information. It is only a letter on their letter head stating what they are reporting is accurate. NO documents that I requested were included such as instrument showing my signature, correspondence etc.
Once again, XXXX XXXX XXXX has failed to send me the paperwork required by Colorado state law. They garnished my bank account on Monday, XX/XX/XXXX. By Saturday, XX/XX/XXXX - MORE THAN A MONTH LATER - they still had not sent the proper notification and exemption form so that I could fight it in court. Now the deadline has passed.
XXXX   XXXX   2017 I pulled my credit report and noticed discrepancies on my report that do not belong to me and are inaccurate and incomplete information. I have disputed these accounts with the credit bureau ( s ). Since then I have received an updated copy of my report (  XXXX  2017 ) stating it has been updated on my report. Experian has over and repeatedly failed to provide me the method and verification in which they are using to report inaccurate information on my credit report I have submitted written and certified requests for the past 5 months for accounts :   XXXX   and  XXXX . The investigation and re-investigation came back as updated and verified, when I sent the letter certified on   XXXX    XXXX  2017 and completed re-investigation was completed in less than 30 days from that date. How is this possible when I have received nothing stating their claims inquiring of the way they investigate, re-investigate and verify ; proof of verification showing ( investigators summary, application, signatures ). I have also contacted them via phone and the rep said Oh this information has been updated and they are not required to show proof? -- -really this is what a trained representative said. However, they continue to report and send me the same information and avoid sending me the information and requirements permitted by the FCRA under section 611 ( 5 ) ( A ). These accounts must be removed and deleted as this information is outdated, inaccurate and incomplete. Attached is a copy of Experian response from the date submitted to the time of their response less than 30 days of inaccurate information.
Equifax mishandled my information, which puts me and millions of other people at risk. I 'm listed as a potential victim per their website and will have to initiate a freeze to protect myself. I was not notified by Equifax in any way that my information was compromised. In fact, the process is to look it up yourself. This situation is an outrage.
I used XXXX and noticed an error on my Experian generated XXXX XXXX XXXX loan account - it said I was 90 days late - which I never was. I went to dispute it with Experian. Experian asked me a bunch of questions which I answered correctly, then I received a message that my request could not be processed and they demanded a copy of my driver 's license. First of all, I do n't know who these people at Experian think they are, demanding a copy of my driver 's license ( which I absolutely REFUSE to furnish to them ), but also they are holding me hostage by willfully reporting erroneous information and refusing to allow me to correct it unless I give them my driver 's license. Unbelievable! This is n't the first time Experian has done this to me. I reported a similar issue to the CFPB a few years back. Fine them and punish them, please!
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  Paramount Recovery  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
I was viewing the details of my credit report and I saw that XXXX XXXX had some inaccurate account on my file that I don't recognize. I was looking at the FRCA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I demand to see Verifiable 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, of this information.
On XX/XX/XXXX, 2 unauthorized transfers out of one of my Bank of America accounts occurred : total of {$7900.00}. 
One to = XXXX Transfer Conf # XXXX {$1900.00} The second to = online bank transfer Conf # XXXX = {$6000.00} I immediately informed BOA that I was hacked ; changed all my passwords and put in additional fraud protection. My BOA case number is : XXXX. 
They said they would do an investigation, and give me temporary credit 2 weeks after, They have since DENIED my wire transfer fraud, accusing me of giving my password to someone. 
I HAVE never given my BOA password to anyone. I have been a BOA customer for over 40 years, and currently am a Platinum customer. At the time of the wire fraud, where clearly someone hacked my account, I had approximately {$300000.00} in BOA ; different accounts. MY BOA local manager, XXXX MA. has called BOA and vouched for me. 
I work at home, and never take my computer on the road. My home has never been robbed. I am XXXX year old XXXX XXXX. Married 40 years. 
A BOA analyst, whom made this decision, called me last Thursday XX/XX/XXXX and accused me of giving out my password. She was very accusatory, aggressive and I feel PREJUDICED against me. I asked to speak to her supervisor, she would not let me. I explained I had been hacked clearly - and asked her what did BOA find out about the 2 felonious transfers? Whom did they go to? She would not give me any information. 
I feel BOA, instead of looking for the criminals - is trying to steal my {$7900.00}. 
Please help me get my money back. 
Thank you
I HAVE CONTACTED XXXX XXXX XXXX   SEVERAL TIME 'S AND EXPRESSED THAT I WAS A VICTIM OF ID THEFT AND I HAD FOLLOWED ALL THE GUIDE LINES SET FORWARD BY THE FCRA 623A, BUT MY VOICE AND LETTERS RING HOLLOW.THIS COMPANY IS VIOLATING ALL MY RIGHTS CONSUMER.
Transworld Systems , Inc. h as repeatedly sent me letters demanding that I pay a debt to   XXXX   XXXX   XXXX   XXXX    <P/> I paid the medical bill months ago. I have asked  XXXX    XXXX   XXXX   to notify   Transworld ; clearly they have not.
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I have also attempted to cont    act Transworld - they are unreachable over the web or during non-working hours.
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This is ridiculous.
I planned a trip with my XXXX to XXXX. I have had past issues with ATM machines within casinos, and unfortunately, I did n't have any cash for the trip. I decided to use on of the ATMs to take out cash. And I was alerted to proceed to the teller with my receipt in hand. I made a total of XXXX withdrawals. When I checked my statement on my way back to California, it seemed that I was double charged for each attempt of cash withdrawal. My heart sunk because the total was XXXX. I was terrified that this much money was even capable of being withdrawn in ONE day. Is n't there a limit of withdrawals? Or of the amount. I was petrified. I called BOFA who was kind enough to reverse the charges while I held on to my receipts just in case they were to be needed. I received a message from BOFA stating that the claim was denied and that all charges would be reversed on XX/XX/XXXX.
i currently have 2 loans with XXXX 's XXXX XXXX -- i have 2 payments due on theXX/XX/XXXXof every month. I have been current and on time with them until last month. I have paid them every single month, last month i was late and this month i am late on ( 1 ) one payment. they call my house 3 times a day, but immediately after calling my house phone they are calling my cell phone 3 times ( total of 6 ) onXX/XX/XXXX they called my house 4 times i have told several of their reps that i can not pay until theXX/XX/XXXX, and that i would call them with a payment. they then tell me NO I have to give them a form of payment TODAY. i explained to them that i did not want to give them a form of payment and that i would CALL MY PAYMENT IN ON THEXX/XX/XXXX. and they can stop calling me. I gave my credit card info to one of their representative over the phone on wednesdayXX/XX/XXXXand asked they stop calling and they need to wait untilXX/XX/XXXX to withdrawl the {$120.00} from my account. when i pay this on theXX/XX/XXXX i am not even a month late!! only 2 weeks, but they call 3 times a day and on theXX/XX/XXXX after i had given my credit card and asked not to keep calling i still recieved and spoke with, at least 6 or more people from Conn ' ; s telling them all the same thing that i gave my card information and i can not pay it until theXX/XX/XXXX 
they keep saying that i HAVE TO PAY TODAY OR GIVE THEM A FORM OF PAYMENT. which i already did, i told the lady, when i gave my cc information that i wasnt sure whicvh card i was going to pay with and why coulldnt i call on the XX/XX/XXXX... .she would not stop the phone calls until i gave it to her ... so i did ... .if she wrote it down wrong then i am sorry ... i asked them repeatedly to STOP CALLING MY HOUSE AND MY CELL -- its not like i am a month late ... .it starts the day after it is due ... .i have had 2 late payments with them as i am loooking for a job. 
here are the dates and times ; they have called my house and cell HOUSE PHONEXX/XX/XXXXXXXX pmXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX THIS IS TODAY CELL PHONE FROM XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX THIS IS NOT NECESSARY! After being told i CAN NOT MAKE A PAYMENT UNTIL THE XX/XX/XXXX ( i am only few days -- it will be 2 weeks late -- but REALLY??? 

i will send ( which i thought i had already ) them another letter to NOT CALL MY HOME OR MY CELL ) i am not like 2 months, not 2 weeks late ... there is no reason for the phone calls. when i repeatadly told them i can not pay until XX/XX/XXXX.
Another name is listed on my credit report. There is also a  XXXX  account that states it is overdue, but it belongs to this other person on my credit report.
Having recently moved back to the United States, I decied to check my credit reports as I had been out of the country for almost 2 years. While it's in the 700 's, I do have 3 collection accounts which I am trying to resolve.

I called ERC to discuss what the account was for and why the dates on my report are wrong as I had not even been in the US for 2 years. After researching how to respond in writing for verification and

possible settlement, they did not respond in writing within the 15-30 days of me sending a certified letter. I did receive the returned receipt which was signed. Also, I learned that ERC has had 100 's of complaints about how they do not respond in writing, try to get bank account information over the phone, report an old or non-existant debt and then when settled or even paid in full, they do not take it off your credit report. I found out that even if you pay the original creditor in full that ERC will still try to collect and file negative reports to the credit bureau. This leaves me with no desire to pay them anything as it will have slim to no chance of improving my score. Honestly, with all the complaints that have been published, how they are not shut down is a complete mystery to me and many others??? They are obviously in violation of many rules that were created to protect the consumers from the situations I have described. It seems that we have no recourse even if we follow every step reccommended by the CFPB. Please advise if you have anything new to deal with these unfair and unlawful tactics. 

Thanks, XXXX XXXX
XX/XX/XXXX RE : Best Buy Account # XXXX, which Citi illegally sold to XXXX XXXX XXXX / XXXX XXXX. ( Also a Violation of Consent Order XXXX. ) Citis debt collector, XXXX XXXX XXXX DBA XXXX, is unlawfully attempting to collect on a phantom debt which Citi illegally sold to XXXX XXXX. Citi is ultimately liable for the conduct of its agents. I ask that Citi immediately remedy this unlawful conduct, including unlawful collection actions for a debt that I never owed and that would be outside the statute of limitations even if the debt were valid.

Specifically, the account balance was XXXX when I closed the account in XXXX. XXXX XXXX XXXX filed lawsuit around XX/XX/2017 but provided no validation of the debt showing why it claimed I owed any money to it.

Citi illegally sold the debt to XXXX XXXX XXXX, which sued me for the invalid debt by submitting a false proof of service to the court. I was out of state with my gate up at my house with nobody living at my house at the time the process server supposedly served the complaint. Other courts had found the process server to have filed false affidavits with the court, according to court filings.

XXXX is alleging an amount far higher than the underlying charge along with attorneys fees. However, I did not owe the underlying debt ; and even if I did owe the debt, it would have been outside of the statute of limitations. I should not be subject to paying for a debt I do not owe or be subject to default for a debt I do not owe. Citi and XXXX XXXX also failed to validate/verify the debt or forward my financial records to me regarding this debt. This is the most I can piece together since the lenders and XXXX XXXX refuse to give me a complete copy of my financial records and the entire file related to the account.

Citis conduct is in direct violation of Consent Order XXXX, which the CFPB ordered after it found violations very similar to my case. As such, Citi should be held in contempt and sanctioned.

I informed Citi and XXXX XXXX XXXX of their unlawful conduct, the falsified service affidavit and their many consumer violations in order that the lawsuit be dismissed. In response, the attorneys filed a request for default. In my opinion their conduct is unethical and unlawful. My requests were ignored and held against me. Please contact me if you would like any additional information.
Ive already spoken to XXXX XXXX debt collection agency. they have agreed to remove this item from my credit report. but you guys have not removed it from my credit report. here is confirmation from XXXX stating that they will remove item ( complain from CFPB portal ) in regards to XXXX XXXX Company responded STATUS Company responded on X/XX/2017 RESPONSE TYPE Closed with explanation Company 's Response To whom it may concern re. XXXX account # 's XXXX and XXXX : Please be advised that the two open accounts in XXXX XXXX ' name were reviewed fully by our office in conjunction with the consumer complaint received. In response to the consumers request for no further contact from XXXX XXXX XXXX , XXXX., we have closed both accounts and returned them to our client indicating no further contact to the telephone number/s and address for this consumer. Please note that this action also initiates deletion requests to remove all tradelines on the referenced accounts from credit reporting to the 3 major credit bureaus. We hope this addresses all concerns on the part of the consumer. Thank you, XXXX XXXX, Legal/Compliance Admin