WillisBack/dataset-financial-user-claim huggingface dataset:
I have a home mortgage with my escrow included to contain my real estate taxes and insurance paid out of it. They paid my first installment of my taxes, but didn't pay the last 3 installments. I received a letter from my tax agency regarding this about 3 weeks ago stating that if I didn't pay the last 3 installments they could auction my taxes off. I contacted my loaner ( US Bank ) of this within 24 hours. They said they would take care of it and pay any penalties. That was approximately 3 weeks ago. I called the tax people today and there is no payment submitted. I called US Bank today and they basically said it was still open and they hadn't done anything. They said they had so many it is taking awhile to process. I am worried this could hurt my good crediting rating and also have my taxes sold to another property. I have not missed one payment since I have them automatically take out of my bank account. I don't know what to do but get an attorney at this point. Tomorrow I will e-mail them a formal letter with the tax bill. Also I will file a complaint with HOPE. I pay over XXXX a year for my real estate taxes and have plenty in escrow for them to pay the XXXX they owe the state of Illinois. Also this messes up my real estate taxes for the state of Illinois, since it only shows me paying XX/XX/XXXX of the taxes I can itemized. Don't know what else to do.
Equifax has been reporting incorrect information on XXXX Account # XXXXincorrect Open Date incorrect Payment incorrect Last PaymentXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CO XXXX Phone : ( XXXX ) XXXX times Equifax failed to verify correctly
Ive recently disputed fraudulent/erroneous accounts on my my credit reports with XXXX, Equifax, and know XXXXThe accounts in question have no payment history, missing information, and is incomplete and the Credit bureaus are continuing to report the accounts knowing this.Ive still have yet to receive requested documentation on these accounts XXXX aka XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX.These accounts DO NOT belong to me. All 3 CRA 's are in violation of the FCRA section 609 ( a ) ( 1 ) ( A ) requiring them to provide physical documentation and an original signed consumer contract.As well as section 623 of FCRA.Ive done as much as I can do, the creditors are giving me the run around and the CRA 'S are reporting these accounts that are incomplete/missing information in witch they can not do.Ive moved forward with my attorney to persue legal action against all parties, Ive also sent information to the FTC as well.
With many failed attempts of disputing the following accounts, I decided to give it another shot before filing with the FTCA. You and your companies insist that the accounts been verified, but you never once sent me any physical documentation collaborating your claims. Be more specific than just saying account verified. How was it verified, what method of verification did you use, and even moreso who verified this. I'm disputing these accounts again, ( 1 ) XXXX XXXX  {$4800.00}, ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX XXXX And if you can not provide me with physical documentation in regards to the above accounts than these accounts shall be blocked from my report.
I just become aware that my student loan was delinquent, I had been out of the country for months to care for a sick father. I spoke to a representative and was told that I was on a deferment. Well after just getting hired for a new job, and a credit a certain credit score is required. I was told that my credit does not meet the requirements. I have never been late on my student loans. I was told I was on a deferment. I never received any documentation reporting that the student loans were out of deferment
For the past 3 months, I have been applying credit card from different banks and they all denied it. I signed up at credit karma to check my credit scored and I find out someone had used my social security to signed up credit card at Discover Bank. I called the bank to report the issue, they told me they will mailed me a report letter for me to sign and mail it back to them so that they can start their investigation. It 's been like 3 months now, no letter and I kept on calling them but they always tell me, they will mail it to me within a month but have n't received anything yet. The worst part is because they have my number now, they called me to inform me that I had taken credit card from them since XXXX XXXX, 2014 and I have n't made any payment yet. I want you to help me talk to them and resolve the issue so that, that thing will waive off from my credit report. Thank you
Regarding closed complaint XXXX I contact you to your company in hopes that you could assist me with avoiding foreclosure and getting Fay servicing to actually contact me to make payment arrangements that were affordable. 
The response that I was sent stated that we did not pay our monthly payment for XXXX 2016 however we did on XXXX XXXX 2016 I have enclosed a bank statement that reflects the payment amount. The payment made to Fay servicing on XX/XX/XXXX is on page 5 of the statement I have attached. 
Fay servicing response also stated that the financial packet that was sent to them was incomplete. 
I did send the completed a packet for financial assistance to them two times the second time I sent the packet and call them no one has responded and I was not aware of a foreclosure sale date at this time. 
Can you please forward the bank statement information that shows that the actual payment was made for XXXX 2016 thank you for your time and consideration regarding this matter. 
-XXXX XXXX
I have been seeing inquiries the past few weeks and I have not made any inquiries. Please delete them from my report XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX Show Details XXXX/XXXX/16 XXXX Show Details XXXX/XXXX/16 XXXX XXXX Show Details XXXX/XXXX/16, XXXX/XXXX/16 XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX : XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX : :XXXX Show Details XXXX/XXXX/16 XXXX : :XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX XXXX Show Details XXXX/XXXX/16, XXXX/XXXX/16 XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX XXXX Show Details XXXX/XXXX/16 I have tried to get Equifax to do this but I do n't get a response and just less than 4 weeks ago I had XXXX inquires. I do n't know how this keeps going on but this is really messing with myy financial livelihood. Please just get the inquiries removed
I never did this program and never received money from a loan or supplies to take these classes. They filed a lien against me and never served me papers so they violated my rights by not allowing me notice to defend myself in a court of law. Also who received the money from this loan? This is the XXXX XXXX and it is a fraud program that is why I never enrolled. Please put a stop to these illegal actions of falsifying court records saying they served me. I would like proof of who signed those papers please. Thank you for your help this is very disturbing! And is showing up on my credit that is how I found out about it.
I received a garnishment letter from my job that LVNV is going to garnish me for a bill that is from 2007 or later. What can I do?
During process of securing a XXXX. construction loan I find out U.S. Bank reported my account 30 days late in XX/XX/XXXX to all the credit bureaus. My due date is the XXXX of each month and my usual minimum payments are around {$120.00}. 
On XX/XX/XXXX I made a payment of {$150.00} On XXXX XXXX another payment of {$160.00} On XX/XX/XXXX made a payment of {$200.00} on XX/XX/XXXX made a payment of {$260.00} and XX/XX/XXXX Payment of {$2500.00} was made. 
All these payments were successful and easily covered my minimum. 
-- -- There were a couple larger payments one on XX/XX/XXXX for {$4400.00} that was returned. This payment was in error as the number " XXXX '' somehow duplicated. I even contacted US.Bank to inform them the payment was meant to be {$480.00}. 
Additionally, on XX/XX/XXXX a payments for {$2500.00} was made twice on the same day due to internet glitches that seemed to have been nation wide. One of the {$2500.00} payments was returned as expected. But again that payment was an extra payment. However, U.S. Bank reported me 30 days late in XX/XX/XXXX to all three credit bureaus. I contacted U.S. Bank on XX/XX/XXXX at XXXX and talked to a representative and a supervisor ( XXXX ), I clearly explained the situation to both However, both the representative and Supervisor ( XXXX ) refused to change or correct the 30 day late reported. 
My history : I have been in business since XX/XX/XXXX have my credit history goes back 25 years and have easily over XXXX different accounts. I have NEVER EVER been 30-days late on a payment with any of my past accounts. I have had XXXX or XXXX reported incorrectly and resolved those. I have a successful XXXX in the range of {$400000.00} and XXXX dollars, and an impeccable reputation. US. Bank 's reckless reporting will cost me hundreds of thousands in higher interest charges. I made every reasonable effort to resolve this but US Bank refused on several attempts.
There has been a hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. 

XXXX Date Filed XX/XX/2017 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
I have a XXXX XXXX XXXX and XXXX XXXX equity line account at is over 7 years old and it should be remove for my account. Equifax refuse to remove this information from my credit report.
Nationstar XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXXShort sale was started XXXX/XXXX/2015 with Nationstar. We were informed that this was going to be run through Nationstar 's " XXXX '' program. The bidding started on XXXX/XXXX/15 and ended on XXXX/XXXX/15. On XXXX/XXXX/2015 we were informed that the highest bidder walked and Nationstar was going to go to the 2nd highest bidder. On XXXX/XXXX/2015 we were informed that the back-up bidders ( Nationstar 's pool of shill buyers ) also declined to move forward with the purchase of this property. The negotiator stated that they would continue with foreclosure until they get a reasonable offer that we can proceed with. They stated that since they could not procure a buyer through their auction process, they would be cancelling the file and asked us to remarket the property to find a buyer giving us the guidelines the investor wanted for an approval. The negotiator went on to state that if we could find a byer to meet those approval conditions they would be able to approve the buyer and close the short sale. 

We remarketed the property and found a buyer that was willing to meet the requested sales price, and now Nationstar is refusing to work with this buyer. They are stating it is required to go through their ( ALREADY FAILED ) auction process yet again. 

NATIONSTAR OWNS XXXX. 

I know for a fact that Nationstar/XXXX work with a special pool of buyers, whom they even claim to represent as their 'agent '. TWO ISSUES with this ... .. 1- Nationstar/XXXX are not licensed to represent buyers/sellers in this state. 2-'Representing a buyer ' goes directly against the idea of a public fair-market auction. 

In addition, Nationstar 's own shill buyers DO NOT HAVE TO PAY THE 5 % PREMIUM that the 'public ' is required to pay. 

IS NATIONSTAR DEFRAUDING THE INVESTOR BY FORCING THE PROPERTY TO BE OFFERED TO THEIR SELECT POOL OF SHILL BUYERS???? 


It is obvious the auctions are fixed ... .... Yet another way for Nationstar to defraud their investors, the community, and their own clients.
I applied for a Chase credit and got denied for opening too many credit cards opened in the last 2 years. I equally closed as many credit cards as I opened. Did they look at that?
I have traded in my XX/XX/XXXX Hyundai XXXX for a XX/XX/XXXX Hyundai XXXX in XX/XX/XXXX. Before the payoff process was completed an extra payment was submitted to my XX/XX/XXXX Hyundai Finance Account on XX/XX/XXXX During the last XXXX months I have called up Hyundai Motor Finance XXXX times and they have been promising me to send my refund check asap, which I have n't received till now. It has been extremely frustrating and I am not sure who could help me out since the the Hyundai Finance Customer Service XXXX are the one 's who are supposed to help me, but in this case have failed to their job.If a consumer/customer like me do n't make loan payments, a financial institution would be charging us with extra fees, but there is no justice for consumers like us when a financial institution fails to pay us back. The last call I have made to the Hyundai Finance Customer Service was on XX/XX/XXXXThe customer service representative has told be that they have sent the check on XXXX. The representative also told me that it usually takes just XXXX business days to get the mail, which I have n't. Typically I would have waited for it, but this issue has been unresolved for the past couple of months and I am extremely tired and disappointed with the service of Hyundai Motor Finance that it could n't handle such a petty case.
Improperly placed derogatory information on my credit report. Asked them to remove and show account at timely and paid in-full. They refused in writing.
I have a collection placed on my equifax by : XXXX. I sent a letter to the collection agency with a request for full debt validation on XXXX XXXX, XXXX. They received my request on XXXX/XXXX/XXXX ( I have all receipts sent by registered mail ). They sent back the total charges billed provider. However that is not a validation of the debt as described with the Fair Debt Collection Practices Act. There is no description of services rendered, explanation of how the alleged amount was calculated including interest, no copy of any signed agreement between me and the billing agency, nor was a complete payment history present with the original creditor. I sent out another letter again, requesting for validation of the debt, they had thirty days to respond according to the FAIR CREDIT REPORTING ACT. They received the second request on XXXX/XXXX/XXXX and never responded. I sent the receipts and a letter to equifax that the thirty days passed and I received no validation of my debt and I had asked equifax to remove this collection immediately. Equifax never responded to my dispute ; it has been over six months. This is not a valid collection and it needs to be removed of my credit, there are many violations in place here.
I am waiting to file bankruptcy to restructure my personal credit card debt. XXXX XXXX has been calling my XXXX-year old mother-in-law, who lives in XXXX alone about my personal credit card debt. She tends to worry and panic and every time they call to harass her it makes her very stressed out and worried. My husband and I live in XXXX. XXXX XXXX has been harassing her and calling her twice a day for the past few months. I never gave her information to them and I am not sure how they decided to start calling her. She is an elderly person and should not be subject to their repeated harassment and violation of debt collection practices when contacting a third-party. With them harrassing her twice a day these past few months, who knows how much personal information they have given her without my consent or knowledgement.
CHASE has not responded on how a former WASHINGTON MUTUAL personal checking account became  XXXX  account. According to CHASE my checking account number also became a business account when CHASE acquired WAMU. Their compliance dept closed the checking account without due diligence. CHASE has not attempted to rectify their error.
MY IDENTITY WAS STOLEN AND SOMEONE HAS GOTTEN A STUDENT LOAN IN MY NAME.
I have been sending dispute letters to XXXX XXXX, experian in regards to XXXX XXXX XXXX {$8700.00} that has been charged off and now two other creditors are trying to collect. I have sent proof of verification, validations to all 3 bureaus and only XXXX deleted off the profile, I requested for removals, original signed documentation, signed contracts, ect. I have never received anything from original creditors reporting to the 3 bureaus and or any proof. If anything my credit is being damaged more and more affecting my ability to obtain necessary credit by being re reported eveytime i dispute. Experian and XXXX XXXX seems to do more harm and hold credit hostage. Nothing has been provided to me 100 % validation or verified under FCRA. All documents are notarized and have tracking.
On XXXX/XXXX/16 I contacted the claims department at Bank of America and gave information on a {$60.00} charge from XXXX and requested that it be reversed. Quibids offered to sign me up for a membership but said nothing about the {$60.00} charge I later discovered on my debit card, which over-drafted my account by {$25.00} and incurred XXXX {$35.00} overdraft fees. After calling the claims department, someone erroneously transferred me to the fraud department and after over 45 minutes on hold, the gentleman there insisted on cancelling my card, and it took another 20 minutes to have the card reinstated. Once I finally got to speak to someone in claims, an associate named XXXX argued with me about XXXX having a no-refund policy and how Bank of America could not reverse the charge if this was the case. From the beginning I stated that the claim was about whether I had given XXXX permission to charge my debit card, not whether the company would refund me the {$60.00}. To make matters worse, Bank of America insists on treating the claim like a fraud case, which routinely take 10 business days to investigate. I spoke to a claims supervisor by the name of XXXX and explained that my account carries a negative balance because of the charge and in the meantime I must purchase food and medicine ; however, since they insist on treating my claim as fraudulent activity, they will only offer temporary credits which expire within 24hrs while they take 10 days to investigate my claim. Since I previously suffered fraudulent use of my card last year, I am familiar with such procedures, and I remember having to call the bank on each day of the investigation and request ( beg ) for the temporary credit that I knew would expire that evening at midnight. I did this for XXXX days. By XXXX this evening there will be XXXX additional overdraft fees for each pending transaction, even though only XXXX of the transactions caused the overdraft. There is nothing to investigate as many consumers ( according to Consumer Affairs and XXXX have had the same problem : XXXX and XXXX. XXXX charging me without my consent was bad enough, what Bank of America has done is worse.
My XXXX says that I have XXXX missed payments from my student loans during a time Peorid where I had not even started to pay them off yet because I was still in school. I want to get rid of the missed payment marks on my credit.
Dear Sir or Madam, In late XXXX / early XXXX this year, my renewal membership fee hit my British Airways Visa Signature credit card account and I was hesitant to keep my card open as I do not fly British Airways a lot and I was not sure whether it was worth keeping open with the fee. 
After speaking with a representative for XXXX minutes, he convinced me to keep the card open because of its numerous benefits including the ability to earn XXXX point per dollar spent. In his own terms, " this is a major selling point '' of this credit card as most other cards only earn XXXX mile per dollar spent. Following this conversation, I kept the card open and immediately paid the {$95.00} annual fee. 
Fast forward exactly XXXX days and the main perk of this credit card is cancelled. On XXXX XXXX, I received notification from Chase that I would now earn XXXX point per dollar spent on the credit card. Chase did not even try to offer me something in exchange, like an improved benefit. Nope. Nothing. I would have to bear this devaluation with nothing in exchange despite paying the annual membership fee. 
I mean, this was the number XXXX benefit of this card as no other airline co-branded credit card offers more than XXXX mile for dollar spent. And this, just 45 days after I spent time with a representative who convinced me to keep this card and pay the annual fee to keep this perk. 
In any case, I find that very unethical on Chase part. This is really a bait-and-switch game where customers are misled about the benefits of the card, are enticed into paying a membership fee to get the benefits, only to be disappointed later that those benefit no longer exist. I lived up to my part of the contract and I paid the annual membership fee. I was expecting Chase would do the same. 
My disappointment with Chase can be observed in my spending with this card. In 2014, I spent over $ XXXX with this card. This year, I put my card on the drawer following this change and have not used it since late XXXX when changes went into effect. This is my way of protesting these unfriendly business practices and after all, I can use my XXXX XXXX XXXX credit card. 
Still, I feel that I have been cheated and this is why I am writing. I am writing to get compensation for this. I paid the annual fee that promised me a specific bonus. But I have not been able to enjoy what I paid for. In addition, Chase changed the term of the contract a mere XXXX days after I spoke to a retention specialist, implying that he knew about the impending change but decided not to tell me about it. I think this behavior is unethical. 
My regards, XXXX XXXX
This company mailed me charges from another company who claims I owe an alleged debt that I do not. I do not have a contract or any legal binding documents with this company in which I asked for and they have not provided. I am not paying for something I do n't owe.
On XX/XX/2015 our mortgage was paid off in full to Nationstar Mortgage including fees requested to record the deed of Reconveyance ( clear title after satisfaction of loan pay off ). 
To date, after numerous calls and letters to XXXX XXXX, CEO, Nationstar Mortgage, we have not received the Reconveyance. Instead, we have received documents recorded by Nationstar on XXXX/XXXX/15 transferring the ( loan ) property to other entities. On XXXX/XXXX/15, another document was received " Substitution and full Reconveyace '' recorded on XXXX/XXXX/15 from Nationstar to XXXX XXXX XXXX. This is not a reconveyance on behalf of us, nor does the document list the legal description of the property.
I am presently in a debt settlement program. One of my accounts in the settlement program is with JP Mortgage Chase. Chase relentlessly called me at home and on my cell phone at work. I was instructed by my debt settlement company to send a letter to Chase to cease contacting me by phone and especially by cell phone since I was not allowed any calls at work. I sent the letter around XXXX/XXXX/15 Certified / Return Receipt. I stated that I wished to be contacted either by email or home address only not by phone. I received the return receipt dated and signed on XXXX/XXXX/15. However, the phone calls continued ignoring my request to cease by contact by phone /cell phone at work. JPMorgan Chase has now turned my letter over to XXXX XXXX a collection agency which has called 3 to 4 times a day on both my cell phone and home phone. I received a letter from XXXX XXXX dated XXXX XXXX, received XXXX XXXX but I starting receiving these calls prior to receiving this letter. I am in the process of trying to settle my account with JPMorgan Chase. My next step is to contact this collection agency to stop harassing me by phone. But, I doubt that will end. Since, this XXXX XXXX has many complaints against it for its debt collections practices. But, I wanted to file a complaint with the CFPB regarding the 3 to 4 calls a day since XX/XX/XXXX and now into XX/XX/XXXX. I was informed that these collections agency may call you once a day. If this is true then is XXXX XXXX in violation of Fair Debt Collection Practices Act?