WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing concerning my escrow account. Information regarding my escrow payments have changed, which require lower escrow payments. I contacted the company and provided proof of the lowered payments on my behalf, however, despite contacting the company and speaking with representatives who assured me that the payments should indeed be lowered, that they would be lowered, the statement/bill remains the same. I am tasked to pay the original escrow, and told that the company reviews its escrow once a year and then the account will be reviewed and changes addressed. This is not so, I have requested and explanation of the way the mortgage payments are set up, they have changed where more money goes to interest and not principal, why??? I want to pay my mortgage in accordance with the lowered escrow and want my loan to be compiled and pay with more funds to principal than mortgage, how can the mortgage company arbitrarily change the way my mortgage is funded and not allow me to pay my lowered escrow payments immediately. 
NOTE : I have already submitted to the company all information/data that is pertinent to the payment of lowered escrow payments to the company and it was verified received by representatives ( 3 ) that have claimed to forward the issue to be addressed and resolved.
I am filing this complaint because Experian has ignored my request to provide me with the documents that their companies has on file that they used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA-they are required to '' promptly delete all information which can not be verified '' that I have disputed. please resolve this matter as soon as possible. Thank you.
I made a parcel payment on my title loan on XX/XX/XXXX my balance was XXXX. My initial monthly is XXXX. On XX/XX/XXXX my checking account was debated for XXXXOn XX/XX/XXXX I went into the store and made my payment of XXXX thinking that my account is now current. On XX/XX/XXXX after XXXX my checking account was debated again for XXXX. I called speedy cash and I called the store in which I have the title loan. I had to wait until the money cleared my account and take a copy of my bank statement showing the money taken.Well finally when I went into the store I was told I had no moneies owed to me, because theXXXX was past due interest on top of my partial payment totaling XXXX which includes interest. I think this is very shady practice on speedy cash because you are not informed that you can be charged double the interest when making partial payments and not a late fee.
for some reason I have 18 to 20 unknown inquiry 's on XXXX, XXXX. and Experian credit reports, I've tried to contact the company 's and the credit reporting agents, and all I get is the run around this has been going on for 3 months ..
In XX/XX/XXXX, I established an account with UBS through an entity called XXXX  XXXX XXXX, with an approximate value of XXXX XXXX, and later added to that account an additional XXXX  XXXX approx, resulting in a total value of XXXX  XXXX deposited with XXXX XXXX of XXXX XXXX XXXX. In XX/XX/XXXX, I was fraudulently induced by XXXX XXXX to transfer this account to XXXX, where XXXX XXXX XXXX was then situated. I acceded to XXXX XXXX 's instructions to leave UBS because I received no alternative proposal from UBS to preserve and grow this account, and issued instructions to UBS to transfer the full amount in this portfolio to XXXX. However, UBS ignored these instructions ( for unknown reason ) and retained a portion of this money, exact amount unknown, in a retirement account XXXX XXXX XXXX. For several years, I received zero communications from UBS about this account, and was unaware of the fact that the money had not been transferred in accordance with XXXX XXXX 's instructions. I then started to receive monthly statements from UBS as to the value of the account, roughly {$6500.00}. I asked UBS to transfer this money to XXXX  XXXX XXXX, but they stated that this could not be done. Since that discussion, this account has remained at UBS, has been totally unmanaged, yet has been charged quarterly maintenance and annual account management fees. No one has managed this money despite these fees, and I now wish to get back from UBS the full amount of the value of the account from the date I requested transfer to XXXX, plus statutory interest.
on XX/XX/XXXX I sent XXXX XXXX a certified letter and they received on XX/XX/XXXX requesting that a tax lien listed on my credit bureau by XXXX County be investigated, verified. I got an unsatisfactory response to my request on XX/XX/XXXX which is well beyond the 30 days allotted time to respond. 

I also mentioned that automated response or XXXX verification is unacceptable. I am requesting a re-investigation AND their Method of Verification. 
Additionally, I asked to please be provide the name, address, and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I also reminded them that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XX/XX/XXXX ), they may be liable for your willful non-compliance. None of this was acknowledged or complied with which is a direct violation of the FCRA. I currently have a total personal data security freeze with XXXX, XXXX XXXX and XXXX.
On several occasions I submitted numerous of letters to experian, XXXX, and XXXX, stating that there are accounts on my credit report that doesnt belong to me and to verify that these accounts belong to me by sending original documents with my original signature but neither could verify that these accounts belong to me or send me documentation that these accounts were mine.
In XXXX of 2015 I closed my credit card accounts with NFCU and opened new ones due to a recent separation. They were supposed to arrive at the bank so that I could pick them up. They never were received and I had to reorder new ones. I ended up XXXX to XXXX with the XXXX. XXXX in XXXX and reporting to XXXX XXXX, XXXX, still had not gotten my new credit cards. Upon my return, I went to pay on my Navy Federal Credit Union credit card and they told me that my account was over drawn. I told them that it could not be and that I was not even in the country. They went on to tell me that there was a over the counter draft done on my credit card that was done in the branch at XXXX XXXX, XXXX. They told me that they would conduct a fraud case on this transaction and that they would get back to me. It was 3 months later when I had to go in to a branch of Navy Federal Credit Union in XXXX XXXX XXXX and ask them what had become of the case. They told me on numerous occasions that they were still working on this case and that they would let me know. I finally went back to the branch and they told me that the case had been closed and that it had shown that I has indeed the one who did this transaction. I explained to them that why would I have to go in to Navy Federal to do a cash advance in the counter when NFCU offers you this service online on their banking website/ I asked told them if I wanted to draw money off of my NFCU credit card, I could just transfer these funds on the website in to my checking. They told me that they had done their due diligence and they were closing the case. I then asked for the supporting documents and for them to show me the signed slip that was used to sign for the funds. They refused to do so. Finally, a young lady names XXXX XXXX who worked at the branch told me that she knew that they had been lying to me and that she could provide me this information via email. She said that they were wrong to not provide me a requested copy of the transaction and she then sent me the information that I requested. Upon looking at the information, they used old loan documents to verify the signature of the desk slip that was provided. The signature that I have on file does not match my actual signature. Even if you look at the documents that were used, my signature does not match. I also requested that Navy Federal show me the video footage from the transaction and they refused. They said that they could not show it to me. In the email and documents provided, they stated that my signature was verified by someone at that branch. I feel like someone from that branch stole my credit cards and used them. When they were told to verify this transaction, this is the person who was contacted and they said that the signatures matched. If you look at the attached documents, you will see that the signatures are similar, but not alike. Additionally, I was not in the state of XXXX when this fraud happened. Even to this day, NFCU put me on a payment plan to help me fix this issue, however, every month, they are reporting that this credit card it late, even though they draft the money out of my account monthly.
I have made XXXX attempts with Equifax to have the incorrect information reporting on my credit report to be removed! Equifax, continues to tell me that the information has been validated. I have filed a police report with my local police station stating that I am a victim of identity theft and they are currently investigating the issue as we speak. I would like to have the incorrect items in question to be removed. Please see the attached police report that I have submitted to Equifax 3 times already. Please help me resolve this issue.
I received a phone call today regarding debt for a card/bank account that I never had. These people also called my wife, my uncle, and my work. When I called the phone number, they informed me that I had 50 minutes to pay the settlement amount or they would take me to court to pay almost double the settlement amount. I have never received any papers in the mail or via a process server from these people as they have claimed. They threatened me verbally over the phone, and I am XXXX and I do not need this now.
My mortgage was most recently refinanced when interest rates were not as favorable as they are today. The loan has been through a couple of different servicers and is currently being serviced by Ocwen Financial. After several years of paying at the elevated rate and reaching closer to retirement age, I sought to refinance the loan with Ocwen 's lending arm, Homeward Residential. The proposed rate and term on the refinanced loan were much more favorable and would not only benefit me, but also put Ocwen in a more favorable position. The re-fi process fell apart when my home appraised $ XXXX less than the loan amount. I am seeking to modify the mortgage to obtain a lower interest rate. XXXX at Ocwen advises that a modification if not likely unless there is an eminent default. I have a stellar pay history and am currently paid ahead through XX/XX/2017. It appears Ocwen works to help homeowners who have poor payment records but not those who are " good '' customers.
Information that is XXXX years old is still on my credit report. I have filed a dispute with the XXXX, but the information is still there.
I received a XXXX credit card in XX/XX/XXXX. I was married and in XXXX  when the card was received. I went through a divorce in XX/XX/XXXX. I was notified XX/XX/XXXX that I owed {$3600.00} from a collection agency called Winn Law Group located in XXXX, XXXX. XXXX. I asked for documentation because I thought it had been paid off through the divorce. I have never received anything from this so called company. Now, seven years later, my bank account was levied {$74.00} on XX/XX/XXXX. I spoke with XXXX from the collection agency and she had little to no information. I have lived in XXXX  for three years now and apparently the agency has been supposedly sending paperwork to an address in XXXX, where I never received mail but owed and sold. I have committed time and effort into this and I can not find any supporting documentation for this. Also, they took money out of an account in a different last name than mine. Please help.
Using the annual credit report website, I attempted to obtain my report from Experian and XXXX. XXXX was successful, but when I got to the other two, they asked 4 questions to verify my identity. None of the questions applied to me at all and I answered them " none of the above ''. They then said they ca n't verify my identity and I ca n't get my report. This has happened twice in a row with both of these companies. None of the identifying questions apply, yet they say they ca n't verify my identity and I must mail in a bunch of stuff. If XXXX can ask me correct questions, so can they. I 've spoken to many people who have had the same problem. It asks about a car loan and how much my payment is, a credit card I allegedly have, and a mortgage. I have NONE of the above, yet it asks me those things, then shuts me down. I feel they do this on purpose in order to get around giving the free credit report online. It 's an ongoing issue and I 'd like my credit report from these agencies without the hassle of having to answer questions that do not apply to me.
I had a XXXX XXXX rewards card issued from US Bank. Back at the end of XXXX, around the XXXX to about XX/XX/XXXX an old roommate had stolen my card number and gained access into an online banking for the card. He then made numerous transfers to other prepaid cards. The money was supposed to be for savings and it had about {$4900.00} on it. The card wasnt being used by me so I didnt notice the money was gone. I randomly one night wanted to check the balance and wasnt able to log in to my online banking so I called customer service at that point I learned my account was deactivated and the money had been stolen. I immediately notified law enforcement and through another unrelated incident, they were able to charge my old roommate with criminal charges. I fought for two weeks with customer service to even be allowed to file a dispute since the card was deactivated. I was finally allowed to and I sent them all the court documents and even a notarized statement from the defendant admitting to the crime. They responded the dispute was not in my favor. I then got a signed letter from the district attorney and with that they reopened the dispute. They had 90 days to resolve it. I called in and emailed their Financial Intelligence Unit at least every day for 4 months never had a answer I was always told that they escalated it and I would receive a response in 72 business hours, I recorded phone calls with them where they were caught in lies. They did not resolve it in 90 days its was almost 120 days and even with all the court paperwork and someone in jail for the crime they still said the dispute was not in my favor and I can not reopen the dispute. One of the transfers off my card they suspected was fraudulent and its froze on another account so they suspected fraud enough that they froze that transaction but yet come back and say they believe I authorized it. Both defendants have been released from jail by lawyer has contacted them and they personally have called customer service and told them everything and they still wont do anything or release the money they froze on a card. I have verified every single thing they wish me to verify and still will not help me and Im out {$4900.00} as of now.
XXXX XXXX overcharged me 4 times in 4 months in the amount of {$99.00} each time in the total of amount of {$390.00} for prepaid services. 
They are charging me {$180.00} for something that I am not aware of. I Tried countless times to resolve this matter but their response every single time was their billing system is faultless. 
This account is from XX/XX/XXXX and since then we've been trying to fix it. They re-opened the account in XX/XX/XXXX leaving a derogatory mark on my credit report of an unpaid account. 
I do not owe this debt. Would like them to take out the derogatory mark on my credit.
XXXX XXXX XXXX XXXX is not removing the XXXX XXXX Account which is 9 years and 3 months old. The vehicle was repossessed XX/XX/XXXX. It 's been almost 8 years since the vehicle was repossessed. This Account should have been deleted after 7 years that is XX/XX/XXXX. 
I have disputed this account with all XXXX credit bureaus and the XXXX XXXX XXXX XXXX but they are refusing to delete this account.Please ask Experian to delete this account ASAP.My cell phone number is XXXX.
Roughly 60 days ago, Chase had closed my online access to pay the bill with the mobile application. 

That is how I always paid the bill on my Chase Freedom card. 

I have been waiting for a call back from an escalation manager for almost 2 months because I can not pay my bill because they do not have record of the account ending in XXXX. THEY ARE FORCING ME TO DEFAULT ON THIS CARD WITH A {$6000.00} balance because EVERYTIME I CALL AND GIVE MY SSN # DOB AND LAST 4 of the ACOUNT NUMBER, THEY CANT FIND THE ACCOUNT. I will SUE WITH MY ATTORNEY IF THIS IS NOT RESOLVED, and NOW THE MINIMUM PAYMENT IS PROBABLY {$600.00} WHICH I CAN NOT AFFORD SINCE THEY HAVE NOT ALLOWED ME TO PAY MY BILL AND ADDED LATES FEES WITH FINANCE FEES.
On XXXX XXXX, 2015, I made a payment to a student loan with Wells Fargo XXXX which stated that the payment would be applied to my XXXX XXXX, 2015 billing cycle. I later received another bill for XXXX XXXX, 2015. I had taken screenshots of each step along the payment process as evidence that misleading information was being published to the website, as a similar issue had arisen before. They refused to apply my payment to the XXXX XXXX payment date, requiring me to make a XXXX payment on the loan or wait several weeks ( beyond the due date for the bill ) to have a refund sent by check of my XXXX XXXX payment.
On Saturday, XX/XX/XXXX I made a deposit to my Corporate Chase Checking account for XXXX at a Chase branch in XXXX XXXX, Ca. The bank made {$5000.00} of the deposit available and put a hold on the remaining balance until XX/XX/XXXX. The teller told me that the hold could be released if the funds are available and the check is cleared by the other party 's bank. On Tuesday XX/XX/XXXX the check was cleared by XXXX XXXX XXXX, the other party 's bank. I called Chase bank manager and had her verify that the funds are available but Chase still would not release the hold on the funds deposited to my bank. I have had this checking account since XX/XX/XXXX with no NSF. There is no reason for Chase to hold on to my funds. If as a consumer I went over my bank balance Chase would charge me overdraft fee for using their funds but I am not given the same protection when it comes to banks holding to funds that are mine. This is illegal and unfair.
The company XXXX XXXX called my phone at all hours from different numbers and did not leave a message for me. They then called my boyfriend and his father to find me. I called them back and they stated they will be taking me to court for fraud if I dont pay back the debt owed, {$860.00}. They said I could pay it back in two payments but only from a debit card. I did not receive a loan for anywhere near that amount ( original loan was {$250.00} ). When I contacted mypaydayloan they said my account was given to another company. That company did not match the company who has been calling me.
I've contacted this company ( DCI ) 3 times by mail to get them to validate said debt and each response from them has not been a contract but a old phone bill from sprint. I did not contract nor promise them anything. I don't know or owe this company and they refuse to remove this negative account from my credit reports from all 3 bureaus.
I got an email from TransUnion [ TU ] stating, " Show me my score now. ' When I clicked on it, it gave me an erroneous score of XXXX, down from last month the last time when it was XXXX. I called them and they told me that there must be negative factors and they have a different score than XXXX. I check my score every month thru XXXX XXXX which lists my TU score at XXXX. I also checked with Free Score Online, which also lists the score at XXXX. Even the TU website lists my score as XXXX -- so the question is, which score does TU give out to inquiries, the emailed score or the internet score and why is there a discrepancy between the XXXX? TransUnion has no reason to list my score as XXXX.
First and foremost TransUnion is the worst credit bureau out of them all. I 've been trying to reach them since Monday, XX/XX/2016. Since I 've reported fraud on my consumer report they make it hard for me to speak with a live agent. On today Monday, XX/XX/2016. I tried 8 times for 2 hours to speak with someone everyone told me that I needed to speak with the Special Handling Team Supervisor. After each time being put on hold for 45-60 minutes just to get transferred to a voicemail where no one ever calls you back. I have a Chapter XXXX discharged bankruptcy that 's reporting on my credit report. After contacting TransUnion I was told that the bankruptcy was verified as mines and that it could n't be removed. I asked the TransUnion representative what could I do? XXXX did an investigation and told me I had a mixed file. I was told by the TransUnion rep to contact XXXX and I did. XXXX sent me a report with their investigation and stated that they removed the bankruptcy. My local bankruptcy court in the XXXX District of Illinois stated that there 's no bankruptcy reporting on my social security number. After XXXX reinvestigation, they have removed the bankruptcy from my report. Please find I 've included my local bankruptcy court communications, XXXX statement of bankruptcy removal, XXXX proof of bankruptcy deletions
I have been put in continuous forbearance with huge amounts of interest applied for over a 10 year period and not told about  IBR  options until last year. I only make about  XXXX  a year and my balance has gone from about  XXXX  to  XXXX  now. I have made payments when I can but I struggle and I filed BK  XXXX  in  XXXX  in    2013  with an income of only about  XXXX  a month and was not allowed to put in on the bankruptcy?
I've submitted documetation to XXXX and Credit Acceptance in Michigan. I RETURNED a uses fault vehicle to XXXX XXXX in XXXX NJ and I called Credit Acceptance and indicated that I returned the vehicle and was advised to write a letter indicating cancellation of the loan. I did that and now Credit Acceptance is  destroying my credit report in which is destroying my livelihood. XXXX is siding with the company and does nothing for consumers ... I have written to the ATTORNEY general in Michigan to speak of the FRAUDELENT activities if the loan company CREDIT Acceptance ... I want this negative item removed from my credit report..if the loan is cancelled why is this information showing up as negative on my report ... I was lied to by the dealership who is working with no good banks, please help me remove rhis item from my report
Im originally from XXXX, WA, and had XXXX XXXX in the house where I lived with two other roommates until XX/XX/XXXX, at the time of moving to XXXX, NC, I asked XXXX to cancel my subscription, as my roommates were taking it over, and I would not be needing their service anymore, they agreed, and said they would send or have someone call my roommates to switch the policy into their name, needless to say, this never happened. And unknown to me, my roommates continued to use the cable under my name, well sometime in XX/XX/XXXX, they fell behind on the bills, and now Im being held responsible for the debt, Ive received a collections notice, and a delinquent report on my credit for cable services when I havent lived there for 3 years! I spoke with the collection agency, XXXX, and the local law enforcement office to see what can be done in this matter, but I hit a brick wall with every call that I make, I have lease agreements and utility bills, let alone an NC drivers license that proves I was not there nearly a year before they fell behind on the bill. And their delinquent report is that I didnt pay {$200.00} on XX/XX/XXXX on my credit report! The bill originally was over {$400.00}. I have never fallen behind on any of my payments, my credit history will show that, I keep everything in good standing and on time.