WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX LoanCare , LLC did an escrow analysis on my acct which showed a surplus in the amount of XXXX. As of XX/XX/XXXX the company still has not released my surplus. 

I have made several phone calls and have been told that nobody in Escrow takes phone calls. I have been told several times that this issue is being escalated and someone will call me back within 24 hours. I have yet to speak to anybody that can resolve the issue. 

I was also told on XX/XX/XXXX that on XX/XX/XXXX the company decided that they need to re review the escrow since the surplus was so large and that is why they had not done the refund.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against IC SYSTEM. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The  individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Hello, On XXXX XXXX, 2016, I applied and was approved for an American Express XXXX Card, which included a XXXX point bonus after spending {$10000.00}. On XXXX XXXX, 2016, I completed the spending requirement and was awarded the XXXX bonus. On several different dates over the next several months, I attempted to transfer points out of my account to various airlines. However, each time I was given an error message and told to call American Express. Each time I was told my account was " under review '' as I had recently completed a bonus award and those points " had to sit in my account '' for a certain period of time but I was never given a definite date the points would be available. Most recently, on XXXX XXXX, 2016, I once again attempted to transfer points out of my account and was given the same error message and the same explanation when I called American Express. However, this time they promised my points would be available for transfer on XXXX XXXX. Today, XXXX XXXX, I once again attempted to transfer points and once again when I spoke to American Express they said they would have someone look into it and call me back. This is unacceptable and a practice I 've heard they are doing to many others as well. 

Thank you, XXXX XXXX
After speaking with Navient on XX/XX/XXXX after several times, I am disappointed in their lack of helpfulness in allowing me to make student loan payments, but instead I am having to continue using forbearance due to my inability to make payments in the amount of {$350.00} that the company has set forth. 

On XX/XX/XXXX, I sent an email to XXXX which stated below : " Dear Navient, I am writing in regards to my upcoming student loan repayment. After months of going over my finances ( budgeting, reductions, etc ) and reviewing my current household dues from mortgage and utilities to childcare expenses, I am still unable to afford the payment of {$350.00} that Navient has set. The amount that would be most affordable to me is {$150.00} at best. 

I am asking Navient to meet this request on me and my family 's behalf to ensure that I am able to pay my student loans on time and in the affordable amount as to avoid delinquency or default. 

I ask that please strongly take this request into consideration. 

Sincerely, { name } '' The letter above was written to explain my current financial situation and the amount that is affordable to me. Navient called me on XX/XX/XXXX and left a voicemail to call back which I hoped would be for us to work out an affordable payment plan. I returned the call and spoke with Navient on XX/XX/XXXX to see about options of lowering my payment plan that was due on XX/XX/XXXX. During our discussion, Navient told me that I should be able to make the payment they have put in place in the amount of {$350.00} due to my household income, although they are not fully aware of our financial circumstance or other obligations. 

They let me know that there was nothing that they could do to help me lower my payments and that the only option was to pay or use up more forbearance. I had 7 months of forbearance left. My goal was to not use forbearance unless my family stumbled across hard times in which it would truly be needed ; instead I wanted to make payments to Navient in an affordable amount. 

Since telling me that I am unable to lower and make those payments, I am now using 3 of those 7 months of forbearance and I am set to start back making payments on XX/XX/XXXX. I am at a lost for what to do here now but it seems that Navient is not concerned with helping borrowers make affordable payment plans as they proclaim, but instead command us to abide by what they believe is affordable according to their standards.
On Wednesday XX/XX/2016 I checked my credit on XXXX and t total of XXXX hard inquires and XXXX collections were removed from my report. I check my account again XX/XX/2016 and all XXXX hard inquires and XXXX collections were placed back onto my report without sending me a reinsertion letter as required by FCRA section 611. I have called Transunion at least once week since then to try to get this issue resolved and have received no help, no one will transfer me tor connect me to american representative or the fraud department, multiple agents have been belligerent, some have even told me they know what happen but it 's basically too bad and that i should just file a complaint because they will not fix the issue.
I have a discharge on a Chapter XXXX Reorganization as of a year ago this XX/XX/XXXX. The mortgage servicer company, Ditech, bought the mortgage from GreenTree and has failed to move me from BK status to normal servicing, has failed to provide a monthly statement, failed to provide loan balance, credit for all monthly payments made since I obtained a Confirmed Plan in XX/XX/XXXX, XXXX District Bankruptcy Court. I contacted CFPB when I was initially being abused by GreenTree, you failed to help me, I ended up in Chapter XXXX, with case costs of {$150000.00}, to protect my estate including my real estate which I rely on for retirement ; perhaps now you can do something - this is a straightforward violation around consumer lending disclosure, fair credit reporting.
XXXX XXXX XXXX of XXXX XXXX debt collection stated in letter dated XXXX XXXX, 2016 that if within 30 days, I dispute the debt, submit debt validation, or request info on the debt, that by law he is obligated to cease collections. XXXX XXXX signed certified return receipt XXXX XXXX, 2016 and failed to respond to debt validation, QWR, Dispute of charges. Rather than answer by law per his own letter citing the law, XXXX XXXX has gone to Commonwealth of Massachusetts Division of Banks with unclean hands, decieving the court indicating he has complied with the law conducting all procedure prior to advancing foreclosure, has illegaly obtained signature from the Land Court XXXX, on the Soldiers Relief Act, which allowed him to serve " Order of Notice '' to advance his illegal foreclosure. It is imperative that his behavior be investigated and stopped. He obviously KNOWS the law, because he had it in his letter to me, which is how I based my comminications with a 30 day window. I wrote to him immediately and he signed for my QWR Dispute Debt Validation within 48 hours! This ilegal aggressive attempt to take my property without regard for my rights is directly violating federal debt collection practices. He must be stopped. Please assist me on this matter
I opened my account with Bank of America, the account was approved and I received the account number in the email. When I received the debit card in the mail and tried to activate my card with the company, they company then told me that my account was closed and refused to do business with me. They did not tell me the reason, and I have appealed this to the closure department, as well as to their social media team, but I did not get any answer. I have a great credit report and I think Bank of America is discriminating me. They even say that I would never be able to open an account with the company ever again without giving me a chance to resolve.
State Farm Bank still refusing to remove this account which is not mine from my XXXX credit report. I never received any correspondence from this account on how to file a dispute or complaint.
My husband walked out on my for my next door neighbor so we short sale the house. My first mortgage company was wonderful and they offered my second mortgage company XXXX. My second mortgage company said they would not except any offers that I had to pay in full. They also tried to block me from getting money for moving. I closed on the short sale in XXXX 2013. In XXXX they called and offered me a settlement for XXXX, XXXX, and XXXX. I asked why they were able to make an offer now after declining the short sale offer????
EXPERIAN fails to remove inaccurate revolving account information. EXPERIAN reports incorrectly that credit usage is XXXX % .. EXPERIAN reports incorrectly that Total Credit is {$2300.00} and Credit Debt is {$27000.00} EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Several times I. notified PNC bank that i dont want a debit overdraft coverage. and the bank used to charge me a debit overdraft fees,
In XX/XX/2016 took out a CD for four years at fixed rate and term. The bank offered a free safe deposit box to induce us to take out the CD at the low rate. The bank without notice now sends us a bill for the safe deposit box. We are stuck. We can not get out of the CD and they won't bump up the rate. Took the box rent bill to the local bank branch. They were to look into it!!! Now get another bill with late fee added on. Never heard from the bank as to why they double crossed us. They are now tacking on fees to confiscate all of our money. Greed and FRAUD. This bank is committing a crime with all of their customers.
On   XXXX   XXXX   XXXX   I obtained a HELOC from Wachovia Bank for {$160000.00} for my home at  XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  - Loan Number :  XXXX . The loan officer was  XXXX   XXXX , and they did not require any proof of employment docs, only the deed to the property. They filed a lien on the property.   I became   XXXX   in   XXXX   XXXX   and was unable to find work for  XXXX  months, and was carrying {$2.00}  XXXX  in debt. After exhausting all resources, including  XXXX , stock, and savings I filed a Chapter  XXXX  bankruptcy in  XXXX . The HELOC and all other debt was discharged. I was able to bring the smaller  XXXX  mortgage current and keep the home.  Wells Fargo Bank (  successor ) has refused to remove the lien, even though they have received the Bankruptcy discharge documents, and their own records show the debt is gone. I have spent over   XXXX   years writing and trying to find someone to assist. In writing, I just get a form letter and on the phone they say they can not discuss this due to the bankruptcy discharge. Wells did however use my information to open  XXXX   Wells Fargo  bank accounts in  XXXX , AZ ( I live in FL ). The  Wells Fargo  employee was  XXXX   XXXX . I closed the accounts as soon as I learned about them.   I am  XXXX  and getting ready to go on   XXXX   XXXX  , and move to a less expensive area out of state. I can not sell my house with this lien on it, and  Wells Fargo  does n't respond for requests to remove it.   Attached is the a copy o f Wells Information  copied from my  XXXX  credit report and my Bankruptcy discharge from the court.  Wells Fargo  will not provide any documents to me, saying that the debt was discharged.   Please let me know what I can do to get the lien removed.    XXXX   XXXX   XXXX
I was in a settlement agreement on a retail credit card with an attorney based debt collection agency nearly three years ago. We agreed upon a settlement amount. I paid the said amount in full in XXXX of 2013. It was agreed upon that the agency would report this information to the credit bureaus accordingly ; they did not. The information is still being reported negatively to credit agencies. This collection agency is very aggressive and quick to file suits against consumers. They should be sanctioned for this action. I understand this is the risk for bad financial decisions, but if you honor your debt, you should not continue to be punished for it.
I consolidated my student loan in XXXX 2013.Original balance was, ( {$75000.00} ) + ( {$120000.00} ) = ( {$200000.00} ). This included all loans. EQUIFAX has decided to report incorrect information. They list ( {$14000.00} ) pass due and, ( ( {$42000.00} ) pass due. These loans were included in the consolidation. They need to be fined, and restore my credit score to reflect that.
This issue is based on an escrow refund from my county tax office. Our mortgage was transferred to a new servicer in XX/XX/XXXX. 
The old company Greentree which is now Ditech received an overpayment of XXXX, for the tax year of XXXX. The check date is XX/XX/XXXX. I have been going round and round with them about this issue. This has been going on for about 45 days. I just found out the check cleared on XX/XX/XXXX. They havent released the funds. Everytime you call it is a different story. Their personnel are very incompetent. In the meantime we are expecting three more refunds from prior years which means we will encounter the same issue. These refunds are based on exemptions we were due that we were not getting because we had not filed the necessary documentation. This is based on the age XXXX.
I paid my title loan payment to PLS on XX/XX/2016 on XX/XX/2016 I wanted to upgrade my loan and I was informed that they are no longer doing loans and will close ALL the Loan Stores across the country effective XX/XX/2016. 
They have never contacted Consumers who have payday or title loans to explain how we are going to make our payments and they withheld the information concerning the closures when we made our most recent payment. When were they going to tell me or others that will be affected? All payments will be handled over the phone - out of state. Are they required to notify the State of Wisconsin or Consumers of a major change to the way the accounts are being administered? I went to the PLS website and there is no info or any notices about the changes and closures that have been issued or listed. It looks like business as usual but they have known for over 2 weeks. When were they going make an announcement? This is not the way business is supposed to be done and not the way consumers should be treated who are doing active business with the company. 
Please look into this issue for us. 
thank-you
XXXX IS REPORTING I HAVE A $ XXXX DEBT FROM XXXX XXXX TO THEM AND I DO NOT HAVE ANY BUSINESS WITH THEM. 

XXXX IS REPORTING A COLLECTION ACCOUNT FOR {$50.00} AND I DO NOT HAVE ANY BUSINESS WITH THEM AS WELL
Shellpoint Mortgage Servicing services my loan and also collects money from me monthly for an escrow account, from which they pay my property taxes and homeowners insurance. The problems in the past stemmed from this escrow account, which they like to pad with exorbitant amounts of extra money to prevent the escrow account from going into the red when they pay the taxes twice a year. XX/XX/XXXX, they again decided to pad the escrow account and raised my escrow payment by {$1300.00} per month. This was the beginning of the nightmare that has now resulted in five months of Shellpoint lying to me, ignoring my calls, never returning calls, passing the buck, leading me up the garden path to nowhere, sending them mountains of paperwork and generally wasting my time. Even worse, they have ruined my credit, which was excellent when I applied to them for a modification XX/XX/XXXX. They have incorrectly reported me as having been late on payments, when all along, it was Shellpoint who had not applied the funds I paid them in XX/XX/XXXX and XX/XX/XXXX for the XX/XX/XXXX payment.
On XXXX XXXX, 2015 I requested proof of debt, under FDCPA, 15 USC 1692g Sec. 809 ( b ) that my claim is disputed and validation is requested. 

What I got from Eastern Account System Inc. was a computerized generated print out. This is not valid proof. 

See attached leeter.
On XXXX XXXX, 2016, we suffered a water damage and we received a check from our insurance company on XXXX XXXX for {$20000.00} that we were obligated to endorse to our mortgage servicing company, XXXX. They kept the money and sold it together with the loan servicing contract to Nationstar Mortgage LLC of XXXX Ohio on XXXX XXXX. We had asked Nationstar not to accept this money since it belongs to us. 
We do not owe any money to either the lender or the serving company. Our home is worth {$830.00} to {$850000.00} and our morgage is {$470000.00} at this time. 
There are no reason for Nationstar not to send us a check and of course we are becoming more and more frustrated since we had to pay for ALL the repairs ourselves in a time of need. 
We understand that it is a common practice of Nationstar as XXXX XXXX XXXX currently investigates Practices of Nationstar Mortgage With Respect to the Release of Insurance Claim Proceeds to Borrower. 
This creates hardship to us and we certainly would appreciate if you could give Nationstar a call to expedite the process, as we do not know at this stage whether we should call the attorney general to file a complaint for robbery. 
We thank you in advance XXXX and XXXX XXXX
I am being help accountable for a {$2300.00} debt from XXXX University. A company by the name of FMS has been contacting me, even after i explained that i do not owe the school that money. I had a class at XXXX and was able to drop it before the cutoff date in order to received a full refund. My class was never {$2300.00} so i dont even understand where that number is coming from. I have email confirmation that the company approved the refund.. so i do not owe them anything.
EXPERIAN refuses to delete incorrect variations of my name and address despite my repeated requests to do so as well as providing documentation to them again and again. They refuse to list the XXXX XXXX on my address and have placed the statement " High Risk address because it has pertained to a business or was used as a mail drop or a delivery service. '' This is because they are confusing the business and Post Office in the LOBBY of my building with my condo!
I have contacted XXXX, XXXX and Equifax to file disputes on fraudulent activities, wrong personal information about me such as my name address information and other eronious items listed on my credit reports, that didn't belong to me, the latest dispute I filed with the credit bureaus were in XX/XX/XXXX, I disputed that there were innacuracies in the amount that was reported that I owe on my report for example one creditor by the name of XXXX XXXX   said that I had a {$300.00} credit limit with them but are reporting on my credit report that I owe them close to {$500.00} which is fraud plus they are the company that kept a {$90.00} security deposit from me and never gave it back but neither have they credited it back to me as a check but they kept it and have not account ex for it, this accounts is being fraudulently reported on my credit report, there are two auto loans that have been paid off in full and on time, listed as open and never late on my credit report, but the credit bureau is falsely claiming that there was a late payment and even though I spoke to the car company and they assured me that they did not report it as late and that it was the credit bureau, but when I disputed it through the credit bureaus they refused to delete it and will not remove it from my report, they're are names of Creditors that I do not recognize or I have never dealt with on my credit report such as XXXX XXXX  XXXX, they even have XXXX an car insurance provider on my credit report which I have already disputed numerous times but the credit reporting agencies still have these items listed on my credit report fraudulently, my latest dispute that I filed was in XX/XX/XXXX, and still no remedy. I am asking for help because my credit has been destroyed by thee credit bureaus and are causing me not to be able to obtain auto loans, mortgage for housing, and rejection from credit card companies etc, this is unfair and I want justice.
Express Recovery Services is reporting and attempting to collect on a debt that is n't mine. They sent something that showed my signature forged. I 've never done business with this company and I need them to remove it.
They called me and used a false name saying they were from the Civil Litigation Department and they were a law firm and they were going to sue me and were 3 days away from filing with the court and that they were going to serve me at my home and my place of business. 

When I called back and asked what firm they were a part of they did not tell me they just said they were the civil litigation department and they have offices in all 50 states. When I asked where there office in CA is they said that they would have to transfer me. 

It was a very threatening call and I felt very uncomfortable like they shouldn't have been threatening me like that. They wouldn't even tell me the name of their company and it wasn't until the next day I received the letter with my payment arrangement that the name of the company is UNITED RECOVERY SOLUTIONS not CIVIL LITIGATION DEPARTMENT. 

They are violators of the FDCPA and they should be penalized by the fullest extent of the law.
Violations of the Fair Debt Collection Practices Act, 15 USC 1692c, Section 805 ( a ) ( 1 ) : Paramount Recovery recklessly calling as early as XXXX
XXXX mortgage company, Mr. Cooper is withholding my insurance money for an unjust and unwarranted length of time drawing interest on my money while I am having financial burdens having paid for ALL completed repairs out of pocket. I have provided documentation for the completed repairs multiple times and they keep giving me the run around. I have left multiple prior messages for a supervisor or manager to call me back and have not received one return call. I need my money ( over {$14000.00} due to me ).
On  XXXX   XXXX ,  XXXX     XXXX   XXXX   XXXX   pl aced a collections account for {$1200.00} on my credit report. This account is the responsibility of my father and does not belong to me. This is the second time the account has been placed on my record, even after the issue was previously resolved through the CFPB in  XXXX .    XXXX   XXXX   XXXX   has  once again placed this false debt onto my report, and without written notice or validation. This account has been disputed through the credit bureaus in  XXXX  and was removed from  XXXX , however NRA refused to remove the account from  XXXX  and  XXXX , therefore knowingly and willingly leaving the incorrect information on my account.
there was suppose to be an update to the rushcard system on XXXX XXXX however there was a glitch and now I am getting charged a domestic POS fee every time I use my card which has added up to over {$35.00} in fees.