WillisBack/dataset-financial-user-claim huggingface dataset:
Portfolio Recovery is a collection agency reporting two accounts on my credit report, showing XXXX XXXX XXXX as the original creditor for the amount of {$940.00}. And the second collection account is reporting XXXX XXXX as the original creditor for a balance of {$1200.00}. 

I sent XXXX XXXX a written request for both accounts asking them to send me the copies of the signed credit application for those two accounts since I believe both accounts were opened via identity theft. 

XXXX replied to my requests with copies of credit card statements yet did not send me a copy of the signed credit application for the two accounts mentioned. 

The XXXX XXXX account number they have on their letter is XXXX. 
The XXXX XXXX account number they have on their letter is XXXX****. 

On XX/XX/XXXX, they sent me the copies of statement, on XX/XX/XXXX I replied that the statements they sent me contain an unknown address I never lived at. On XX/XX/XXXX they replied that they already responded to my previous letter and considered this case closed and if they continue receiving letters from me they will considered this matter resolved. However they never resolved anything because they are ignoring my reply in which I 'm telling them the address on the credit card statements is unknown to me.
I refinanced my home at closed escrow at the end of XX/XX/XXXX. My new mortgage lender paid my installment of taxes due as they needed proof that they were paid however my old mortgage lender M & T Bank had already dispersed the taxes due ; {$4200.00} to XXXX XXXX County. I have called several times since then to find out where my refund is and the first time spoke to a XXXX on XX/XX/XXXX who told me it would take about 30 days to receive it. Then I spoke to a XXXX on XX/XX/XXXX that told me they should be mailing it out by XX/XX/XXXX and also to a CSR named XXXX on XX/XX/XXXX that told me they should be sending it out in a week or so. Then I called again on XX/XX/XXXX and spoke to a XXXX who told me that they verified that XXXX from XXXX XXXX County said that they refunded M & T the {$4200.00} for the taxes. NOW I am being told it may take up to 8 weeks to get a refund? This does not seem right as I paid off the loan successfully, paid on time and even sent them proof that my new lender paid the taxes as well via email on XX/XX/XXXX. Why send them proof when they are just going round and round. I just want my refund for my impound account sent back of {$4200.00} ASAP and I hope that I do not have to wait 8 weeks when my loan was paid off as mentioned XX/XX/XXXX and the taxes were paid in full as well for the XXXX installment. 

XXXX XXXX XXXX XXXX
NorthStar, called me twice asking for my sister. I dont know where she is, I have talked to her in years. I told the company twice that they need to stop calling my phone number. I even asked how they got my number and the man hung up on me. What kinda business these people are running? Is this even legal?
The reason of this report is for negligence and misconduct in our mortgage application process with Envoy Mortgage, which resulted in higher interest rate and incorrect down payment amount. The two national mortgage service license holders involved in this violation are listed below : XXXX XXXX, Senior Loan Officer MLS # XXXX XXXX XXXX, Regional Manager MLS # XXXX We were referred to Envoy Mortgage by our new home builder XXXX XXXX as their " preferred lender ''. We were provided with a rate quote at 3.7 % in XX/XX/XXXX by the loan officer, XXXX XXXX, but we were never informed to complete any documents or agreements in order to have the garuantee on that rate. We were under the impression that once the quote was sent to us, that rate was locked for closing. As we inquired about the loan process, XXXX XXXX never discloused the terms and conditions regarding the rate lock process or any action required to secure the quoted rate. In XX/XX/XXXX, as we approach XXXX for updates, she informed us that the rate has gone up and we were quoted at 4.0 % instead of the 3.7 %. Although we were misled to believe we already locked the rate at 3.7 %, we were then informed there is a payment to lock the rate for more than 30 days. We proceeded to follow the process of locking the interested rate offered on XX/XX/XXXX.  Because of the limited 30-day lock, we were forced to close by XX/XX/XXXX before the lock rate expired, which resulted in a short-turnover time and multiple mistakes on the closing paper work. 
We initially requested to put {$100000.00} for the down payment, but later changed it to {$130000.00} with written request through email to XXXX XXXX. He failed to respond to our request for this change, not even to inform us it couldn't be changed, and proceeded with the down payment as {$100000.00} on the closing documents. We had requested multiple times prior to closing to review the loan documents, which XXXX and XXXX failed to provide until the day of our scheduled closing, merely two hours prior to the scheduled closing time. We then noticed that the amount for down payment was documented incorrectly and there was no time to change at the closing. We were forced to close on the scheduled date with an higher loan amount then we agreed to.
Starting in XXXX XXXX I ask for help with CITI BANK to do a modification our repayment plan, I had XXXX BANK Representatives each told me they could resolve My situation IN 90 DAYS, here it is a year latter XXXX XXXX no one seem to care I also had XXXX a housing Counselor Help me and the day today XXXX XXXX XXXX the day before an auction then they said to file a complaint with you, I had anything but a run around from everybody and now CITI BANK wants {$19000.00} for lawyer and bank fee when this loan should been resolve XX/XX/XXXX before it even got in to FORECLOSURE, I did not know it was in foreclosure till XXXX XXXX when I again ask for help when I got Layoff from my job, I Have a New Job and the BANK does not WANT to work with me or XXXX I have all paper work And e-mail I an tired of all the run around I have gone through to get know were, so I ask you for help to see if we can get this resolve, because you are my last resort HELP me as soon as YOU can because I did nothing wrong all I did was ask for help now I owe XXXX
The company XXXX XXXX has me in collections for some dates I was never seen on and the others, I have insurance. I have been on XXXX for over 15 years which automatically gives me insurance coverage ( XXXX and or XXXX ) I called the collection agency XXXX XXXX who is the collection agency for XXXX XXXX. They claimed at first I had no coverage and then said they had the wrong date of birth. I was also told that I would receive a call back in reference to this matter which I never did. I am also aware that because I have XXXX I should never been billed
ABC Financial Services Inc. comm itted credit card fraud by charging my credit card for services not authorized by me. This company uses unethical collection practices and abuses customers by charging small amounts over time that typically go unnoticed. This company should be shut down.
I have not had a XXXX account in almost 3 years and it says this was XXXX XXXX XXXX.
In XX/XX/XXXX I took out a loan with XXXX for {$500.00}. During the process, it was required that I set up auto-draft which was done for {$72.00} which included a {$21.00} payment towards loan and {$50.00} towards a " savings account ''. The initial payment was processed but as I was monitoring my account, I noticed that the payments were not being drafted. In XX/XX/XXXX, I called the company and addressed the situation, they blamed it on my bank and not their system. I called my bank ( XXXX  XXXX XXXX ) and they reported that there had never been attempts to withdraw from this company. I called them back and made a payment via debit card. At this time I set it up to auto debit from my debit card. Again, they were not drafting. This time, They reported 60 days late on my credit. I called them back made payment and asked them to remove the incorrect reporting. In XX/XX/XXXX, they agreed to close the " XXXX XXXX '' account and agreed to remove the incorrect negative. I again agreed to make payments from my debit card for the loan only. Once again, they did not make any drafts. I called again, asked to speak with a manager and was told that I would receive a callback. This was in XX/XX/XXXX.  No response no payments. Today, the account was once again reported as negative. There is a whole facebook page ( XXXX XXXX XXXX ) with 100 's of complaints about erroneous credit reporting, trouble making payments, not being able to pay off balances, poor customer service, and conflict resolution etc.
I applied to Barclays Frontier Mastercard by XX/XX/2015 and was approved. On XX/XX/2015 statement Barclays transfered XXXX miles ( points ) to Frontier Airlines. On XXXX statement Barclays transfered XXXX bonus miles after my spending requirement has met. 
However my account at Frontier Airlines shows no mile was credit. 
I contacted Barclays almost XXXX times by either phone calls and secure messages with XXXX case numbers XXXX, XXXX, XXXX, and XXXX. 
I also had XXXX three way callings between me, Barclays, and Frontier Early Return Specialists, Barclays promised me that my missing XXXX miles will be credit to my Early Return account within XXXX days. They never fulfil their promises. 
As of today XXXX/XXXX/2015, my Frontier account still has no mile in it.
Today, XXXX XXXX, 2017, I called Citibank to close my AAdvantage Platinum Select credit card. I was referred to a " senior account specialist '' whose job was clearly to talk me out of closing my account. I calmly and politely explained my reasons for closing the account figuring they would make sense : I do n't use the card anymore, have n't used it in a year and a half, and do n't want to keep paying the annual fee for something I 'm not using. <P/>This person kept pressing me not to close the account, and despite my continued explanations it sounded like he was following a script instead of actually listening to me. For instance, he was amazed that I had no balance on the card and always paid it off on time ; is that so surprising when I have n't used it in over a year? He offered to refund the full annual fee instead of a pro-rated amount if I first spend {$1000.00} in the next 3 months on the card ; I responded that I was not interested and would rather just close today. STILL he kept pushing, and at this point I got angry. Despite his continued emphasis on being able to get my full annual fee back, I told him I saw through his game : this is a ploy to get me to keep the card, try to follow a bunch more little rules, and be too lazy to call back in 3 months. He 's probably right that I would n't do all of that successfully ; that 's why these banks have so much money! Yet I had to yell at this guy repeatedly to get him to finally give up and close my account, which he eventually did. <P/>I wanted to be proud of myself for finally getting around to crossing this off my todo list. Instead I had to get angry and exasperated ; a calculated move, since he clearly was n't listening to me when I was being polite, but that does n't make it easer or less stressful. That awful memory will be my parting experience with Citibank. <P/>You can tell Citibank that they just lost a customer permanently ... unless they decide to pull a XXXX XXXX and reopen the account without my permission, of course. After that phone call, they sound like exactly the type of company to do such a thing.
We are retired senior citizens whom do not owe this collection agency or any other collection agency not one dime. We live in southern California and every morning around XXXX our sleep is interrupted by these unwanted telephone calls. My telephone recorded the message on Monday, XX/XX/2018, " Hi, this is Dynamic Recovery Solutions, we are a collection agency, call XXXX, about a debt owed. We are sick and tired of our telephone ringing all day long with unwanted calls. They are the unwanted phone calls that do not leave a message on the voice mail recorded. I called back Dynamic Recovery Solutions on the same above date and told them to stop calling my number.
To Whom It May Concern Re : Claim # XXXX I'm disputing Chase Bank Claim. JP Morgan Chase Bank allowed a merchant ( XXXX XXXX ) to debited my account using a debit card that was reported lost/stolen. It is obvious that JP Morgan Chase Bank is not taking responsibility for their error. 

On XX/XX/XXXX, I used my debit card ( ending XXXX ) at XXXX XXXX XXXX. They obtained an authorization for {$50.00} deposit. OnXX/XX/XXXX, the {$50.00} deposit was deducted out of my checking account and the authorization code should have gone away. 

According to JP Morgan Chase Bank response to your agency, the merchant ( XXXX XXXX ) used the same authorization code that was obtained back on XX/XX/XXXX, to debit my account for {$670.00} two months later. It is not possible for a merchant to use an old authorization code from two months prior especially after the original amount {$50.00} was debit from my account. It clearly shows on my bank statement XXXX debited my account {$50.00} and at that time that was all they were authorized because my car insurance company was paying the entire rental I could understand if XXXX an authorization code pending but they did not. Chase allowed {$670.00} to be deducted from my checking account fraudulently. 

I recommend Chase Bank take responsibility for their error and credit my checking account the negative balance including all the fees the account incurred. If they don't own up to their mistake I'm prepared to contact an attorney. I've been patient and cooperative with Chase. But I'm getting frustrated and I'm not letting them getting get away with this ' Sincerely XXXX XXXX
An account was opened under my name using my personal information by Wells Fargo bank without my consent or my knowledge. 
I called the bank and their explanation was the account was created based on the information received from an employer for which I had stopped working for more than 2 years prior to the opening of the account. 
I found out that the account was opened on XX/XX/2014. Although they claimed that it was closed, I can still see the account on my profile whenever I log in. 
It is important to note that I had serious security issues with the bank mentioned above. I used to receive email almost on a weekly basis informing that my account was compromised ; therefore, my online access was blocked and I, every time had to go and change my password because someone was trying to access my account according to them. 
That situation caused a lot of stress on my relationship for I thought my wife was using my computer to access my account. That belief led to many unnecessary arguments in my relationship. I could n't imagine that someone from the bank was trying access my bank profile to create an additional account. 
I need you to please guide me in what my course of actions should be for this outrageous crime.
Consumer Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. Bank Info : Citizens Bank XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX. The bank manager was not available on XXXX/XXXX/2016, the Friday before memorial day weekend for me to discuss a dispute of charges with her. I spoke with licensed banker XXXX ID # XXXX XXXX XXXX and was told that I would not be charged an additional charge until I was able to speak with the manager on Tuesday, XXXX/XXXX/2016. I just spoke with this same banker, XXXX XXXX over the phone today ( XXXX/XXXX/2016 ), and she told me that she spoke with the manager, there was nothing they could do in regards to the charges on my acct and I was now responsible for the ADDITIONAL fee incurred today XXXX/XXXX/2016 which is ridiculous considering it occurred during the time the manager decided to take a TRIP and not available. This is unfair!!!! Details of transaction/fees : XXXX/XXXX/16 Check # XXXX for {$27.00} causing a negative balance of {$24.00}. Service Charge Sustained Od of {$30.00} on XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016. Also, I was not notified of my negative balance while I received these service charges every 5 days, no mail was received. I was blindsided which was why I wished to speak with the manager in the 1st place on the XXXX/XXXX/2016.
I am writing to inform the CFPB - and consumers around the world that : 1. ) Scottrade Financial Services was warned, on multiple occasions, from employees and outsiders, that their database and securities systems lacked the most basic protections - Scottrade Financial Services ignored these tips and as a result over XXXX customers has their most sensative personal information exposed in a very preventable cyber attack. 

For anybody who was a victim of this breach, a cybersecurity researcher, or a consumer policy advocate, you may obtain detailed documents of the multiple warnings I, and others gave Scottrade by submitting Freedom Of Information Act requests to the SEC, OCC, and CFPB for complaints made against Scottrade Financial Services. These complaints started XX/XX/XXXX and continue until XX/XX/XXXX. Keywords to help with the search may include, " cyberattacked '', " account takeover '', " hacked '', " XXXX '', " cybersecurity '', " unencrypted '', " stolen '', etc. A very limited number of these documents can be obtained by searching for " Scottrade XXXX '' on XXXX.
Once again theyre removing and resubmitting inaccuracies on my credit report. I have submitted those documents to the credit bureaus along with documentation from the bankruptcy court and police department and still nothing has been done.
Wells Fargo Card Services  closed my Credit Card account for no reason after sending a claim through Consumer Financial Protection Bureau in regard an overdraft on my checking and saving account. My  Saving a ccount had been closed for 3 months now and they did n't close my credit line, now because I 'm trying to protect my rights and I 'm complaining about them, they closed my account. My voice needs to be heard, and it will because I 'll make sure of it. Customers need to be protected by they right and they need to do they right thing, not what they think is right. I think this is  XXXX  of those cases where Bank employees, because that 's what they are, employees abuse power and diminish citizen rights. Is this something a customer ca n't do anything about? I really need this Bank punished for how they treat customers and I 'll be complaining with every and each protection agency that had ever existed in the  U.S. W atch me.
I paid off my student loan on XX/XX/2017. I logged in on XX/XX/2017 to ensure it was paid off and there was a balance of {$5.00} for unpaid interest. I called to explain this to aspire and was told I would have to pay it and they would not back date the interest to XX/XX/2017. I spoke to a rep as well as a manager. I finally offered to pay the balance via a credit card and they told me the minimum payment would be {$10.00}. I hung up and paid the balance because I was told they would not freeze interest while I submitted a complaint to them and would be responsible for daily interest accruing. My payment was made online. This is a scam had I not gone into check I would have accrued interest for who knows how long because their system is broken.
Attached please find Wells Fargo 's mortgage interest statement for 2016, With different account number XXXX, this is a complete different number. Because, the account number I had for the past eight years was XXXX. 

Does this paid interest is from XXXX to XXXX 2016? Since, in XXXX Wells Fargo sold/transfer my loan to XXXX, and I made the last XXXX of 2016, payments to XXXX. 

Why does in Real Estate Taxes their stamen show {$0.00}. They collected tax escrows, also from XXXX to XXXX? Who is paying my property taxes? 

Why they charged deferred interest, I though, I have a fix interest rate?
My mother, XXXX XXXX XXXX, had accounts at Bank of America for many years. I was her Power of Attorney and handled all of her financial stuff because she had XXXX. My mom died in XX/XX/XXXX. Bank of America was aware of her death because they were advised of it by Social Security and I provided them with a copy of her death certificate. I wrapped up her final expenses in XX/XX/XXXX and XX/XX/XXXX, and by the end of XX/XX/XXXX the account was closed out with a XXXX balance. In both XX/XX/XXXX and XX/XX/XXXX, Bank of America charged my dead mother 's account {$24.00} each month for service charges. This is outrageous inasmuch as they know my mother is dead. Please make them stop this. Thank you.
I have a business checking account as well as a personal checking account with Capital One Bank. In the past, I was able to transfer funds from my business to checking account to pay my personal bills and etc. Capital One has recently updated their website and they are now telling me that I can not make transfers or pay myself from my business account. They are MISLEADINGLY referring that to IRS tax policies. I am have asked them to review my past transactions where clearly shows these types of withdrawals. 

In addition, my business saving account has interest payment IRS tax withholdings. I have patiently worked with Capital One to correct my Federal Tax ID number which was mistakenly typed wrong by them. This has been going on for more than a year now. I have sent them several completed XXXX forms and each time they have failed to correct that in my account. 

The whole process is very frustrating especially when Capital One is treating their 360 Checking account differently than other personal checking accounts. The only choice for me is to cancel my account and go to another bank. This process will be very time consuming and costly as all my vendors are automatically set to be paid ( ACH ) from this account. The whole issue has occurred since Capital One has updated their site and it has nothing to do with IRS policies. 

I would appreciate it if you can help.
On or about XXXX I was no longer able to pay my second mortgage due to a loss of income ( father in-law who was on the mortgage passed away then wife became unemployed ) with me becoming delinquent on the first soon after from back to back hardships. 

The lender of the second mortgage refused to work with me in any way, shape or form such as a loan modification, deferring payments, lowering the interest rate from 7 % to something more modest, etc. 

During XXXX the lender, NATIONSTAR, charged off the full amount of {$71000.00} and issued me an IRS tax form XXXX " cancellation of debt '' for the XXXX tax year. 

When reviewing the form I noticed that box # XXXX which explains the reason and or type of cancellation was not filled in. I contacted NATIONSTAR asking for a completely filled in XXXX along with a notice of wether or not the lien was released so I may forward it to the first mortgage company in an effort to save the home. 

I was told by Nation Star that although the debt was charged off and they received the tax benefit of it and that I had to file it with my taxes where it could have been considered earned income, except for the law that was in place at the time, the debt is still valid and owed by me and they maintain a lien against the property still. 

Can this be legal and if not who can help me resolve this?
XXXX XXXX XXXX is constantly reporting an account from a pay day lender by the name of XXXX XXXX XXXX, that I never opened, nor never applied for. It has been removed from my credit report 2 previous times. The first time it was removed from my XXXX report. The second time it was removed from my XXXX report. It is now being reported on my Transunion report and should be removed immediately as a fraudulent account, from information most likely obtained through and XXXX data breach earlier this year.
An address XXXX XXXX XXXX shows up as one of my addresses and I 've never lived here in my life!!!! I want it removed.