WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage servicer, for the second year in a row, says that I have an Escrow shortage of {$1000.00}. That Escrow shortage was supposed to have been taken care of and factored into my Loan Modification from two years ago. Last year at this time I filed a similar complaint. The company called me in response to my complaint and factored it back into my loan modification arrangement and spread the payment of that shortage over a few years. I do n't know if they are going to try to do this every year. I made enough payments this past year to cover payment of my homeowner 's insurance and property taxes. This is the second year they have tried to squeeze out an up front payment of the supposed Escrow shortage that was a part of the loan modification that went into effect over two years ago.
Portfolio Recovery continues to report a debt on my credit report that does not belong to me. They are calling and harassing me to to pay or settle an account that does not have my social security number and that belongs to a business called XXXX XXXX. I have never given XXXX XXXX expressed or written permission to establish credit with my social security number. I have written the credit bureaus and the creditor numerous times to remove this erroneous information from my credit report and to validate this account or to cease and desist from collection activities. I have yet to receive any validation and both Portfolio Recovery and the credit bureaus refuse to take any corrective action.
I am trying to contact TSI to discuss my bill and nobody answers the phone and the answering machine is full so I am unable to talk to anyone to resolve my issues. There was a misunderstanding and I am not able to talk to anyone to resolve this issue. Because of this I am afraid this will negatively affect my credit rating. As soon as I received the bills from TSI I paid immediately and I am requesting they do n't submit this late payment to the credit bureaus. My payment was no more than 31-60 days late.
in late XXXX early XXXX I sent a letter certified, registered mail, return receipt requested, to Synchrony Bank regarding my XXXX card, in order to request a payoff amount on what they said that I owed on this credit card. They received the letter but I have yet to receive a payoff amount in the mail. they 've completely ignored me. I filed a complaint with you about this and they said that they sent me a mail they snswered my mail but I have not received anything from them. I 'm just trying to clear this up to pay it off and they are not, absolutely not, working with me at all. All I want is a payoff amount that they will accept to get this cleared up it 's not difficult, it 's not hard just a payoff amount.
Collection has been added as duplicate after this account with the original creditor was deemed unverifiable. The previous collector ( XXXX XXXX XXXX XXXX ) was removed from my XXXX and XXXX credit report for lack of verification on XX/XX/XXXX and just recently re-inserted on XX/XX/XXXX by Waypoint Resource Group/ XXXX for the same account.
I contacted the lawyer XXXX XXXX representing XXXX who had purchased an existing loan of mine from XXXX XXXX when I was served on XXXX/XXXX/15 for an old loan. I was told they would sue me if I did n't come to an arrangement. I agreed to make payments with them under the condition they would remove the balance off my credit report as I made payments. In XX/XX/XXXX 2015 I pulled my credit report and noticed that the original balance and the ending balance were still the same. I called to confront the Apothaker office and asked why they had n't reported to my credit. Their response was that they never agreed to that. I asked if they recorded all conversations and they said they did. I then asked them to play back the original conversation from XXXX and they refused. I hung up, called my wife and she then called Apothaker the same say asking about the recorded conversation. They refused to play it for her as well, she asked to speak with the manager and after an hour she was transferred to " The owner '' of the company. The " Owner '' apologized to my wife about the fact that someone agreed to remove that from the report. My wife called me back to fill me in and at that point I called Apothaker and told them they were not authorized to take money from my bank account anymore because they violated the agreement. I received a nasty phone call from them a week XXXX later threatening to sue me and I could n't not pay them. Last Week on the XXXX I received a writ of execution in the mail saying they were going to seize my property. I was confused by this because I never knew I had lost a lawsuit because they told me the previous year if I made payments I did n't need to worry about a lawsuit. I contacted a lawyer and he recommended that I file a complaint with your organization. He also stated that had I contacted him last year that I never would have had to pay them in the first place because they 're a predatory company.
I am a victim of identity theft. I have disputed an account  with North state Acceptance and  they continue to verify the debt as mine even after I submitted my original police report. I 'm now asking you to step in and help me resolve this matter before any further damage is done.
This particular account has been closed since XX/XX/2017. It is a charged off account that has a {$0.00} balance. 

According to the XXXX XXXX five points of compliance, this particular credit bureau ( Transunion ) is using ACDV ( Automated Credit Dispute Validation ). When using automated validation, information is not being correctly investigation because the e-Oscar system is simply just " copying and pasting '' old information and treating it as new. 

This account needs to be removed and deleted from my credit report. I have sent numerous letters to have this account removed to no avail.
As of XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Equifax has violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
XXXX XXXX from XXXX XXXX XXXX contacted my employer. My employer took her name, company name and number and asked what it was regarding. XXXX response was that he knew meaning I would know what it is concerning. I called right away and they wanted me to verify my identity. I was upset at first asking why I have to verify my identity when they called my company looking for me. When I finally gave the last 4 digits of my social, she said wrong person. I asked if they live in the city where I lived and she said no. He lives in XXXX, oh. So they contacted my employer, made it sound like Im a deadbeat and they dont even have the right person. This is wrong!
we were charged a {$19.00} annual fee for a credit card that we no longer owned or used. We never got any statements and now we have XXXX thirty day lates on our credit report.
I had problems trying to pay online and I could not access the account. I eventually paid loan amount, but as a result of missing deadline, a {$25.00} penalty was imposed. The late fee represents 5 % of outstanding balance for  one  month. ( That is loan shark rates  ) .   I feel the penalty was excessive given the balance on the account was  one  payment away from payoff. They informed me that since they waived a fee in  XXXX   XXXX  that they were unable to waive this fee  (   XXXX   XXXX  ).
company called do not call list. Someone erred and listed my phone which was erroneously listed and forwarded to debt collector. I would like full name of debt collection agent as this was complete negligence
My escrow account with Ditech was cancelled effective XX/XX/2016. My XX/XX/XXXX billing statement and the automatic payment was for the correct amount. However, the XX/XX/XXXX billing statement and automatic payment included escrow even though I contacted Ditech XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to no avail in getting it corrected. That caused my checking account to be overdrawn and I had to transfer money from my savings account to cover another bill. Now, the XX/XX/XXXX billing statement has escrow included, but the automatic payment has been cancelled. I pray that Ditech does not still make the automatic payment.
I filed a dispute with XXXX, Equifax and XXXX in regards to XXXX XXXX XXXX collection account listed on my report. And explained that XXXX XXXX XXXX is in violation in regards to their reporting on my credit report and stated why and showed proof of said violation. However, they came back verified. I sent XXXX XXXX XXXX a letter certified mail return receipt requesting validation under the Texas Financial Code 392.202, Fair Credit Report Act and Fair Collections Act and proof is attached with return receipt dated XXXX XXXX, XXXX and XXXX XXXX XXXX failed to property follow the law and never contacted me in regards to my request it has been over two years and XXXX XXXX XXXX has yet to validate and verify the debt to me per my request as of XXXX XXXX, XXXX. After giving them ample time to respond I disputed with the credit reporting agencies and let them know of XXXX XXXX XXXX lack of response in regard to the credit line in accordance with Texas and Federal Law. However, once disputed on those grounds XXXX, Equifax and XXXX verified it thus also being in violation.
In 2010, I applied for a {$250.00} payday loan through OneClickCash. I was under the impression that I was going to pay no more than {$90.00} for this loan. It 's a lot but I needed the money. The funds were taken out of my paycheck and after I had already paid back {$350.00}, an email stated that on my next payday, they were going to take {$140.00} more. I wrote to OneClickCash at that time and said they already received {$100.00} more than what I borrowed and now they wanted more? They responded that my loan was paying as per agreed but I really do n't recall signing up to pay back triple than what I borrowed. I would have never taken the loan to begin with if I knew that. 
I contacted my bank and told them what was happening and they told me they would take care of it. I believe the bank saw it as a scam and blocked OneClickCash from accessing my account. 
That was 6 years ago. Yesterday, I received a call from XXXX. When I answered the phone, it was a recorded voice saying the call was for me and if I was n't the person to hang up. It said if I was the person to either call back or press 1 to speak to someone. I opted to speak and I was connected with XXXX. She proceeded to tell me that I will be charged with fraud and that my license will be suspended and my wages garnished. She only said that she was representing XXXX XXXX and never told me where this originated. She also said that she had talked to my previous bank and claims that I told the bank that I did not recognize these charges and had them block the vendor. 
I told her that I recall having an account in the past but did not remember who it was with. I said that I had paid the full borrowed amount plus an extra {$100.00} and as far as I was concerned, I do n't owe anyone. She was hard to talk to and I had a hard time getting a word in. It was like she did n't want me to talk. She said that she would mark this as me refusing to pay, would charge me with fraud, would garnish my wages and suspend my license. 
I had a brief conversation with my attorney in which he suggested to call and ask they send proof. When I called, the number was busy most times, but when I did get through, it went straight to voicemail with no announcement of the company name, etc. I left a brief message with the case number they provided ( XXXX ) stating I would like documentation of this and provided my employers address to mail it to. I have not heard anything back.
Today is XXXX-2017. I have been a victim of identity theft already. 
I am included in the Equifax security breach. I have tried unsuccessfully for days to talk to someone at Equifax. If I do get a person, they take the information and say I will get an email with a number for identification. I never get an email. I want to put a credit freeze on my account. If you go to the website and try to put in a credit freeze, it gives you an error message that 's says, we are sorry, we have run into a technical problem. Please try again later. If problem persists, contact customer support. When I call customer support, they either put you on hold for long periods of time and then hang up on you or they say due to the high number of calls, please try later. This has been going on now into the second week. Equifax needs to address these problems and assist the people that have been impacted by their data breech. I have been dealing with identity theft for 2 years now. I all ready have a fraud alert on all my accounts but I want to put a credit freeze on them. The impact of this breech needs to be dealt with in a timely manner. Stop hanging up on customers, stop giving them a time limit of when they should be getting an email that never comes, stop transferring the calls to someone else, stop sending them to a website that never accepts your personal information and just tells you there has been an error. I worked for XXXX XXXX in XXXX until retirement. They need to do their jobs and hire more people if required to, be more understanding of those of us who have all ready been dealing with our identity being stolen and get the job done. Equifax has failed in every aspect of its job.
Debt was paid multiple times due to collection agency stating they never received payment and refuse to remove it from credit bureaus. National credit systems owes me money!
I made my mortgage payment on XX/XX/XXXX via freedom mortgages online payment system as I always do on a monthly payment. On XX/XX/XXXX I checked my bank account to confirm my payment cleared and it had not. I called my bank to inquire about the payment and XXXX XXXX confirmed that they had not received a request for payment from Freedom. I logged in to my freedom mortgage account and saw that on XX/XX/XXXX my XX/XX/XXXX payment was reversed. I then contacted freedom to find out why my payment was reversed. The rep said she did n't know but the details show that my account could not be located and that I was past due. I said that is incorrect I make payments every month with no issue and I asked if she could confirm the payment details captured from my online payment. She stated that in customer service she could only see last 3 of routing number and last 4 of account, so she confirmed they were both correct. I proceeded to make another payment on XX/XX/XXXX.I asked how we could confirm the remaining account information she stated she needed to submit a request to get the full payment information and would contact me once she had the information. Days past and no contact so on XX/XX/XXXX I called freedom mortgage and they advised nothing had been done and there was no way to verify the details of my account information. I told them that was unfair, I have never paid late, I always pay online, and no once can confirm what happened. Rep advised unfortunately it had to be a mistake on my part and there was nothing they could do, I use the online payment system at my own risk, they have no responsibility with payments made online and I would need to
Last year my identity was stolen and I reported it to all the proper entities. Yesterday in the mail, I receive a form letter from a company called Credit Collection Services claiming that they were trying to collect a debt owed to XXXX XXXX. I have nothing with XXXX XXXX. I have tried to contact the company 4 times since last night. I spoke with one agent who had me call another number last night andnwhen I called the nimber I was put on hold for about 9 minutes. I called them back today and the first time I called the guy hung up on me. The second time I called, the guy wanted me to give them my social security number before they would proceeed and I told the guy again that I had had my identity stoloen before and that I was not going to give someone my social security number over the phone who I did not know. He told me that if I would not give him my social security number that he would end the call. I told him to end the call and I hung up.
Equifax and XXXX  responded to me about my complaint within your company. Although I have sent them my identification, they requested I fax it. Please see attached. 
The fax number does not even work. I truly feel as if Equifax should be shut down. They are extremely shady and dishonest. 

XXXX  refuses to remove information that is completely inaccurate. I pay for services with them and they still do not accurately help me update my report!
Filed a dispute with Experian on XX/XX/2018 I gave them all the account information inorder for them to investigate and I get some automated email on XX/XX/XXXX saying that this will not be changed and there investagation is complete! Investagation done in less than 8 hours not posable and they did not offer any supporting info to prove an investation took place which it did not clearly! I also am unable to reach anyone by phone or email at all! I have submitted another dispute with the same info I provided the first time and I am sending it both online and by mail, this is clearly not ok they have our life in there hands which they already sold and caused tons of problems for me with Identity theift ( and they do nothing to help with that even though it was their fault ) How can they get away with these practices why have they not been shut down are they that much more powerful than any other can anyone step in? How many complaits have to be filed to effect a change or is that something that no one can touch they just do what they want holding us all to their mercy!
I 've complained about BoA unnecessarily delaying crediting my account because they want to float my money for weeks, and it 's become clear that BoA 's need for greed has again surfaced. TOday. XX/XX/2016 I attempted to deposit a check from my XXXX retirement account to my BoA checking account, as I have on many occasions at this branch only to be told that " the computer '' said there would be a delay in crediting my account because of the size of the check, which was $ XXXX. The last time they pulled this the check was at or just over $ XXXX and held me up for 2 weeks while they used my money to inflate their balance sheet. On most of my transfers between my XXXX account and my BoA account I deposit the money one day and it 's available the next. I do n't care if they report the deposit to the government in an effort to prevent illicit money laundering, or other criminal behavior, I 'm glad they do, but I 'm sick and tired of them holding me up in order to use my money for their gain. The BoA bank agent said that the " computer '' told her the bank had to hold the funds, and although she did n't say it would be 2 weeks, that is what it was the last time they pulled this trick. Actually they pulled it with a BoA credit card refund as well and I think I complained about that too. BoA is run by a bunch of bandits and they need to be fined or jailed. I would n't be writing if I was a new depositor, or this was a first time transfer between these XXXX accounts, but I have a long history of making these transfers to cover family expenses that exceed my limited retirement income. I had the branch cancel the deposit and return my check, which they did and I told them I would file a complaint with the government, which I am. Congress wont lock these thieves up, I will if this was an illegal act. 

" The computer said '' is not a satisfactory excuse and unless there is Federal Law that says they have to delay giving me my money, this is not only horrendous customer service, if it was an illegal tactic then I want the appropriate penalty to be levied.
In XXXX, and XXXX of 2017 by letter, I requested that the credit reporting bureau, Experian provide as they stated, and I was legally entitled to as they listed that they verified two public record bankruptcies with a third party vendor, I as allowed by law, the name and address of that vendor. In the meanwhile, I contacted XXXX XXXX a third party vendor used by some credit bureaus and requested information to see if they provided the information to Experian. The response after two mailing that my information was merged with two persons with the same name likeness, and addresses as I but it was corrected to remove those merged reportings. 

In my letter to Experian, I advised them that my information was merged with others with my same name likeness, except that name likeness is only the last name, in return Experian added those other name likeness to my credit file, and did n't removed the merged information, stating that they had verified with a third party vendor, but would n't identify the vendor. 

My conplaint is that Experian knows that my information is merged with others, and its a financial decision on their part not to remove the merged information, secondly after stating that I contacted on my own that its not XXXX XXXX that is providing the report, they double talk and still refuse to identify the third party vendor because in identifying the third party vendor, it would be verfieid that they are falsely reporting.
XXXX is on my credit report 1 ) without an amount. I never had internet for 2014. XXXX billed for internet. I had XXXX for phone. I have history of records, payments, etc. I have paid in full but it is on my credit. I was late with small payment but should not have owed that anyway due to no internet for the year 2014.