WillisBack/dataset-financial-user-claim huggingface dataset:
NationStar Mortgage ( XXXX, TX ) did not impound my property taxes and property insurance for over a year - their error caused my escrow account to be short {$3900.00}. When they discovered their mistake NationStar forced me to take out another loan which they are again collecting interest on. To payoff the new loan, my wife had to get a new full time job. 
Details : XX/XX/XXXX we refinanced our home. Our mortgage was with XXXX XXXX for $ XXXX/month. The mortgage was sold to NationStar Mortgage and that 's when the problems began. XX/XX/XXXX, NationStar audited our mortgage account and said there was an overage in the escrow where our property tax and home insurance is impounded. NationStar re-adjusted our mortgage payment to $ XXXX/month. I took issue with this adjustment and called NationStar and had them re-check the new figures. They assured me that everything was in order. XX/XX/XXXX NationStar found their mistake and sent me a bill for {$3900.00} and insisted it be paid immediately. I could not pay, so NationStar forced me to take out another loan with them to pay for their mistake. NationStar is earning interest on this XXXX loan at my expense - now I 'm stuck me with the burden of paying off XXXX loans. As a direct result of the NationStar mistake, my wife had to get a new full time job. This never should have happened. NationStar should be held accountable for their mistake. I immediately sent a certified letter strongly stating my discontent to their company president, XXXX XXXX, asking that NationStar be return my mortgage back to the correct amount of $ XXXX/month and they restore the missing {$3900.00} to my escrow account. Neither XXXX XXXX XXXX or anyone else from NationStar responded to my demand letter. Please help me hold NationStar responsible for their own errors.
I AM REQUESTING A FULL INVESTIGATION IN REGARDS TO MY LATE MOTHER. BEGINNING AROU ND 2004. THE FINANCIAL INSTITUTION I WISH TO BE APART OF THIS INVESTIGATION.I AM LOOKING FOR ANSWERS REGARDING THE SAVINGS, CHECKING, CD, SALE OF PROPERTY, PENSIONS DEPOSIT. DUE TO THE FACT MY MOTHER RESID E WITH HER  SON.HER LAST  SPOKEN WORDS MY SON STOLE ( ALL OF MY MONEY ). SO AS HER DAUGHTER, AND PRIMARY CAREGIVER TO HER END I AM GOING TO PURSUE THIS  MATTER.WHAT  HAPPEN TO HER FUNDS!!!!!!??????????????
This account not mines but it keep coming on my credit report and they wont delete it from my stuff.Its bringing my score down badily please update it
I filed a bankruptcy in XXXX but it was dismissed because I did n't go through with it. It was suppose to be removed in XXXX 7 years but it was suppose to be removed because the debt I still had to pay. But it is still showing
Wells Fargo deducted {$16000.00} from my personal account to cover a debt that my daughter and son-in-law had incurred with them as a guarantee for a business they own. Wells Fargo stated that they were allowed to do this because of the fact that in XXXX of 2015 I placed my daughter as joint on XXXX of my accounts. I put my daughter on the account as an act of estate planning so she would have easy access in case the need would arise for medical issues etc. for myself. Not my daughter nor my son-in-law had invested a single penny in the account prior to or after I added my daughter to that account. The money had been placed there by myself and my deceased husband which can be proven by where the deposits came from which was from our work or our personal tax returns. My daughter also did not spend any of the money in the account as it was not hers and did not have permission to do so!!! I did not know what was going on with the debt that my daughter and son-in-law had incurred with Wells Fargo or that they were behind on payments. I was never alerted about the debt by Wells Fargo prior to Wells Fargo taking the money out. I had never gotten any mail from Wells Fargo in my daughters or son-in-law name prior to the deduction from my account. After the deduction from my account I started to get mail from Wells Fargo addressed to their business and then also my daughters name as though they were trying to associated the debt to my address and to me. I contacted Wells Fargo personally and was told nothing as I was not the business owner, but yet they can take my money from my account. I submitted paperwork at the local branch and all I got told is that they were allowed to do this. I had an attorney mail a letter and it was ignored ( Attached ). I had nothing to do with the debt of the business that was guaranteed by my daughter and son-in-law or had any doings with their business in any fashion. The debt was solely theirs and not mine. The fact that I put my daughter on my personal account for estate planning and to help ME in case of medical needs and for Wells Fargo to take MY money that my husband and I worked for not my daughters money is outrageous!!!!!!! She had XXXX contributions to that account and it was not hers!!!!
Good afternoon, I am making a dispute against XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from XXXX  to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. 

However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.
I went to a USAA ATM to withdraw money from my USAA checking account. My USAA ATM card and my USAA credit card look almost identical. I accidentally put my credit card in the ATM instead of my ATM card. I proceeded with the withdrawal and at no time did the ATM indicate that I was using a credit card or that I was taking a cash advance. The screen asked how much I wanted to withdraw and my receipt says withdrawal. I did not know that I had made a cash advance until later that night when I was reviewing transactions. I called USAA the next day, but there was nothing that they could do because the transaction had not posted yet. The following day, I paid the money back that I had withdrawn and I called USAA. The 2 people that I talked to said that they would not refund the fee and interest and that it was my fault that I put my credit card in the ATM. I believe that there are several instances of deceptive business practices in this case. 1. The cards look almost identical. 2. The ATM did not tell me which account I was using. 3. The ATM told me that I was making a withdrawal not a cash advance. 4. The ATM did not tell me that I was going to incur any fees. 5. The receipt told me that I had made a withdrawal not a cash advance. 6. There were no fees listed on the receipt. 7. USAA did not allow me to reverse the transaction even though I notified them right away when I realized the mistake. I believe that this could have been prevented if USAA had been more open about the transaction while it was happening. It also could have been resolved easily by the company, but unfortunately their representatives just did n't care. This is actually the first time that I have had a less than awesome experience with USAA customer service.
I am being sued by XXXX XXXX XXXX XXXX XXXX for a debt that has been paid and is also now past the State of Colorado 's statute of limitations of 6 years. My " loan number '' XXXX is also involved in your suit against XXXX by CFPB. Your stipulation tells all lawsuits to stop any legal proceedings until all XXXX laons can be sorted out by an independent auditor.
I have disputed with Equifax and XXXX for an unverified and inaccurate account in regards to an account with XXXX. They both returned verified without proper verifying documents such as a signed contract, ID, SS card, or other concrete verification. They both completed their investigation but failed to see the inaccuracy and inconsistent information of what is being reporting. All three bureaus are reporting different information. I mentioned this in a correspondence with XXXX and again they did not properly investigate. In compliance with the FCRA 623 ( a ) ( 8 ) ( D ) I am requesting accurate information be reported and both parties have failed. It is my understanding that Equifax make money for reporting information and the lower my score the more they make. As long as they verified information and the accuracy of it, they can continue to report. Well I have proof that the information is inaccurate and also unverified. XXXX correspondence is contradicting what they are reporting. It also states they verified my identity through an email address and online application. I want my creditworthiness to be restored! They need to report accurate and consistent information. Also completely verify my identity before including this information on my report. Verifying my information with an email address, an online application, and billing statements are not verification. I have not received a thorough investigation from Equifax or documents requested of verification. The documents I received from XXXX are clear that the delinquency dates are not accurate, the amounts paid and received are not accurate, and the identity verification is not accurate. Due to their failure to complete the investigation and report accurate information, I 'm requesting this to be deleted permanently from my file
I had water damage in my home in XXXX 2015. The insurance company paid for work to be done, first disbursement check was sent to me and given to the company. The larger part was sent to the mortgage company, It has been a year. The inspector for the mortgage company, did the inspection and agreed the work has been completed. Freedom Mortgage will not release the check to the contractors.
I exercised my rights as a consumer to request validation of a debt/account that is listed on my credit file that is maintained by XXXX, I contended that a bankruptcy that is listed on my credit file was not mine and they responded by saying that they verified it through the U.S Bankruptcy Court in XXXX Md. I contacted the Bankruptcy court who responded by sending me two letters on different dates that state that they do not furnish information to the credit bureaus, with that being furnished to me it is clear that they have not been able to verify this account and it needs to be removed. 
I have sent numerous requests for them to verify/ validate this account and they continue to say that the account is verified but that is not the case the FCRA states that upon my request the credit bureau must provide to me the name, address, telephone number and the person that they spoke to who verified this information and to this day they have not provided me with such information. due to these violations of FCRA 623 ( a ) ( 3 ) and FCRA 611 ( a ) ( 1 ) ( A ) this account should be removed Immediately.
XXXX still not give me any result form my first dispute XXXX XXXX, 2017
How can Equifax keep all items of credit history on the report for 10 years regardless of the other agencies taking the old debt off and following the 7 year rule?
The company claims I owe a debt to someone and I have no clue as to what it is for. I have never had any dealings with the original creditor and I have looked through old bills and files and have nothing from them either. The debt collector also claims I was sent a notice 35 days ago but I have received no letter from them previously and this first notice I received also did not include anything about dispute. The creditor should use certified mail if they even sent a first notice to make sure I received it.
I submitted a complaint against Equifax XX/XX/XXXX. They leaked my info, refused to update my name after I had a legal name change, refused to send my Credit report regardless of my sending legal documents to them showing proof of my identity. 

I filed a complaint with CFPB and Equifax FINALLY updated my name and sent me a copy of my credit report. Finally, assuming that my file has been corrected, I have called repeatedly to verify that there is no longer a security freeze on my credit file, only to be told that no one can help me, that I must speak to their consumer affairs dept. I called XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX. I was told at these times that their " Systems were updating '' and they could not do anything to assist me. 

I called XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX varying between the general customer service line and the security dept. The security dept, after verifying my identity, tells me that they can not assist me because my file has gone to the dept of " consumer affairs '' and that dept is only open XXXX m-f. I ask repeatedly for contact info for the consumer affairs dept and am told that there isn't any, the only way to contact them is to be transferred. I work in an office XXXX m-f. So I called during my lunch hour on XX/XX/XXXX at XXXX XXXX. I am transferred to the consumer affairs dept. I wait on hold for 40 minutes before I hang up and try again. I explain that I am on my lunch hour and have been waiting on hold for 40 minutes. I request someone from the consumer affairs dept contact me. I am told this is impossible. Again, I explain that my lunch hour is over in 15 minutes and I have now been on hold for 45 minutes. The person says to please hold and that they will try to contact someone in that dept. 

I wait for another 15 minutes until the end of my lunch hour, to no conclusion. 

My lease is up on my apartment XX/XX/XXXX and I can not get a new one without a credit check. Equifax is preventing me from getting housing due to their gross negligence and security failure. 

I filed a previous complaint XX/XX/XXXX with CFPB regarding the name change issue. Equifax stated XX/XX/XXXX that they are still working on it, and no update since. How long is this going to take?
On  XXXX   XXXX   2017 , I noticed that  an Amazon Chase Visa ha d been added to my husband 's and mine  account. I found this out as I was checking the balance of a credit card we have had for years with Chase (   XXXX   Visa ) - a nd all of a sudden, there were  XXXX  accounts instead of just  XXXX . We had never applied for this card and called  XXXX  immediatel y. Someone had fraudulently opened the Amazon Chase Visa card in our name on the exact same  da y (   XXXX   XXXX    ). Chase cancelled the card.
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Chase was helpful in cancelling the card, but when asked if they would contact the credit bureaus, we were told that was our problem. They opened a card without any information other than an old address ( from more than three years ago ) and an obviously fake email address, but we now have to fix the problem?    <P/> In addition, based on internet research, this appears to potentially be a  n inside job either by Amazon or Chase.
<P/>  I have put fraud alerts on both my husband 's and my credit reports with all the credit bureaus.
I financed a trailer/dumpster with XXXX XXXX. Each month I would receive a bill showing minimum payment, amount paid previous month, and payoff amount with the date that payoff amount would be good through. Last year I was able to payoff the loan. I sent in the payoff amount shown on the bill and made sure XXXX XXXX would receive the check before the date listed on the bill. I waited about a week, I called to make sure that XXXX XXXX  received my payment and that it would payoff the loan. They assured me that I had paid off the loan and they would send me the title to the trailer/dumpster. After several weeks, I received the title in the mail. Apparently they have a glitch in their system because I still get bills from them showing Total Amount Due {$130.00} with Payment Date XX/XX/19. I have called to resolve the issue but have not been able to talk to anyone that can take care of the situation. The loan is paid off. They need to stop billing me and trying to collect on a charge that is incorrect.
XXXX XXXX XXXX contacted me about an account that I had no knowledge of back in XXXX of XXXX. I filed a police report and went to have forgery affidavit notarized as advised and submitted it back to XXXX XXXX XXXX. I submitted the information to Experian and they deleted the account on XX/XX/XXXX under : XXXX XXXX XXXX  Account XXXX I checked my credit report on XX/XX/XXXX only to discover that the original creditor XXXX XXXX XXXX sold the debt to a new creditor under the name of : XXXX XXXX XXXX  XXXX It is a FCRA violation to reinsert a deleted collection back on a credit report without proper notification either by mail or by phone. Neither happened because the account is a result of identity theft. Please do not put a freeze on my account but please remove this collection listed under : XXXX XXXX XXXX XXXX
I have already provided Experian with the FTC report for identity theft. I spoke to the gentleman who filed my dispute and he stated that the inquiries had to stay on the report for 2 years even though they were not made by me and if i wanted to dispute them i needed to contact the company who requested it. I explained to him that not all of the inquiries on my report contained contact info for the company that requested my information so i could not contact them, At that time he said he would file the dispute for me, im not sure how he couldn't and then all of a sudden was able to. I got one confirmation number for the dispute that was supposed to contain everything referenced on the call, The only thing disputed by him was some of the incorrect addresses, and incorrect phone number, and a soical security number that was not mine, He made no attempt to contact the companies that requested my information and did not provide me with the means to get it resolved myself, so as it stands i have no way of getting the info disputed even though it is fraudulent, XXXX  was also notified of the Identity theft and to this day still does not have a fraud warning placed on my account, XXXX put the warning out over a month ago, Experian applied one, but as of XX/XX/13 XXXX  is still allowing access to my file.
I have recently obtained a copy of my XXXX  credit report that reflects a credit inquiry made by your company on XX/XX/2016 that I do not recall authorizing. 

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my XXXX  credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have this unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.
On   XXXX     I sent Transunion,  LLC  about removing an inaccurate chapter  XXXX  bankruptcy being reported on my credit file via certified mail. The delivery record shows that this item was delivered on   XXXX   XXXX   XXXX     at  XXXX  pm.I have requested validation of this chapter  XXXX  bankruptcy by the court and my original signature on this chapter  XXXX  bankruptcy. Transunion has not provided me any requested documentation and it has been well past the 30 days that they had to respond to my request. I 'm requesting the immediate deletion of this inaccurate information.
I am about to retire and can't open an on-line account with Social Security. The reason is the security questions are based on info supplied by I believe XXXX. None of the info is mine. I thought is was Equifax and notified them. I got a confirmation number XXXX. But nothing was done. Tried many times submitting on-line. Nothing. Tried same with Equifax. Did get an email through and they gave me a case number on XXXX. Despite many online attempts nothing. I wrote you but think it didn't go through as site was acting up. I have no retail card or other charge cards. I have no auto loan. I have no student loan. I have no mortgage or refi on home. Both agencies report I have all of aforesaid. I am embarrassed to say but I was receiving food assistant from government for some that the period. I just want them to correct info in file and relay to XXXX. In addition my home insurance is slightly higher as they use this incorrect info too.
My card was lost while on vacation and I tried to transfer my money to another account and cancel the lost card.I am unable to manage my money due to a computer gliche. When I called to rectify the situation, the phones cant recognize my information and disconnects or I am placed on hold for over two hours and the eventually the call is dropped without speaking to an agent.
In XX/XX/XXXX, we closed our XXXX account via phone from XXXX and made our final payment. I even asked for documents confirming that the account was closed, which I cant recall if we received. Now a debt is appearing XX/XX/XXXX for that account that was closed 2 years prior.
I have disputed with Trans-Union multiple times concerning the XXXX XXXX acctspay history they are reporting on my report. My student loans as being on time in XXXX 2011 to then 90 days late in XXXX 2011. I do n't understand how TRANS-UNION can be verified. How can the information be verified as 100 percent accurate if the pay history is not completely accurate?
I have been getting these collection letters from an agency called L.J. Ross and Associates in XXXX these letters have charges up to I believe XXXX dollars on them they say from a light bill which I know is not true because my light bill is current and paid on time monthly and I know a light bill company would never let anyone get a bill that high without cancelling the service. I dont have a contract or recall ever dealing with this collection agency and would like to know why are they sending me bills that dont belong to me or I believe they have the wrong person.
I have disputed a public record item ( Bankruptcy ) on my credit report that does not belong to me through all there major credit bureaus ( XXXX, XXXX, EXPERIAN ) and after their investigations both XXXX and XXXX deleted the public record ( Bankruptcy ) but Experian is claiming that after their investigation the did not delete the item because they verified that it belonged to me.. After getting these results from Experian I contacted Bankruptcy court and they told me that they do not provide any credit bureaus with any information regarding bankruptcy filings so I then disputed it again sending them the information that I received from Bankruptcy Court and requesting that they provide me with the methods used in their investigation process to help me to understand how they verified this information if I Bankruptcy Court doesn't provide this and they have failed to respond. I have requested that Experian remove this inaccuracy from my credit file and they have yet to it.
I recently travelled abroad and was charged {$400.00} in bank fees by Bank of America for XXXX transactions for using my debit card for my checking account abroad. When I approached the bank after returning from my overseas trip, I was told that this 3 % transaction fee was listed in my account disclosures. I vividly recall the conversation I had when opening the account where the bank representative clearly stated the account would have no fees but failed to similarly clearly point out that however there would be a 3 % transaction fee for any international transactions on the debit card. I believe this is a deceptive practice, and not everyone is well versed enough to read all the fine print and disclosures to understand that these fees will occur. Had the representative made these transaction fees clear when I opened the account, I would have found an alternative method of paying for those transactions abroad. The bank refused to refund these fees on this basis, and I believe this is a deceptive practice and my fees should be returned.