WillisBack/dataset-financial-user-claim huggingface dataset:
I received a credit card in the mail from Key Bank that I never requested in any way. They were totally unable to explain why this would have occurred to my satisfaction. I think they 're opening " fake accounts '' in the same style as XXXX XXXX. I would like this investigated and to hold whoever is responsible for it accountable.
My mortgage has been with XXXX XXXX XXXX for several years, I requested a mortgage modification with XXXX XXXX XXXX XXXX XXXX of which was in processing until the servicing was changed from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I resubmitted my modification request to XXXX of which it was in processing and my mortgage servicing changed again to Fay Servicing XXXX XXXX of which they are currently processing my mortgage modification request. We have received a property foreclosure notice from the foreclosure Attorney for our property XXXX XXXX. We received the property foreclosure XXXX the XXXX, XXXX. State of Tennessee require the homeowner must receive notice of property foreclosure sale 30 days prior to the sale date of which we a just receiving the notice. XXXX XXXX XXXX is refusing to work with us, they are intentionally trying not to assist us and foreclose on our property. Please Help!!!!!! See Attachment
I have had nothing but problems with PHH Mortgage company for the last threeeyearsand my stories could go on but let me explain whats currently happening, a few months ago in XXXX I decided to go through a new home insurance company which cut what I was paying for insurance in half, so in XXXX I called PHH advised them I needed them to do a reanalsys so that my mortgage payment that month was n't as high as if I was still with the old insurance company, Both my agent and I faxed in multiple copies of my decloration page and also had a XXXX way call with do represenatives and my agent and I on the phone confirming they had my new insurance information. They informed me after the re analsys that i will be receiveing an overage check for about XXXX because by escrow had an overage which makes sense because it was time for renewal. well i received the check, used the money and now in XXXX i receive a letter saying my escrow is short XXXX $ how its that possible? so i call phh and they say the overage check they cut me i was suppose to pay my insurance, well i have never paid my insurance out of pocket, its part of my escrow. they said they letter attached to the check they sent me explain its, well they are wrong the letter says nothing of the sort and i was never informed. i have the documentation that there were funds left in my escrow they are also saying they paid my insurance because i never provided my insurance information which is untrue as well. now since Friday XXXX/XXXX/15 i was waiting on a XXXX supervisor return call, and still have not received one. I also have to pay PMI which is costing me about XXXX $ a year.
I was hit by identity theft in XX/XX/XXXX my online banking was breached where my username and password were changed I filed an internet fraud claim but at the time I could not file a check claim for the two checks that were in there unbeknownst to me one of the checks was given to a detective XXXX XXXX of the XXXX County Sheriff 's Department in XXXX Wisconsin ( XXXX ) XXXX in XX/XX/XXXX I was instructed to me with Detective XXXX XXXX I 'm the XXXX County XXXX 's Department XXXX Indiana and a detective XXXX XXXX ( XXXX ) XXXX of the XXXX Indiana Police where I was being looked at as a suspect for producing a counterfeit check to Bank of America I have tried on numerous occasions to get Bank of America to talk with the officers and Release Me From the XXXX XXXX XXXX XXXX they have reported me too according to XXXX XXXX  Bank of America is reporting me as someone who has defrauded a bank and committed check fraud this information is wrong on several occasions I have written letters both detective XXXX XXXX and detective XXXX XXXX have said they have contacted Bank of America 's Risk Management Department and said that they 're reporting of me committing check fraud is wrong I have talked with XXXX and tell check regarding the amount Bank of America Claims I owe however both those entities both XXXX and tell check claim that even if I pay the amount of Bank of America says that they entitled to it will not remove me from the XXXX XXXX XXXX to date there has been no investigation by Bank of America regarding anyone else or the people that used my account it is at my request that I ask no I demand that Bank of America call detective XXXX XXXX and detective XXXX XXXX immediately to get me removed from the XXXX XXXX XXXX and get that off my Consumer Report I have sent numerous documentation the officers have sent their reports and have told me numerous times that my name has been cleared of any wrongdoing the fact of the matter is when a customer needed help and ask her financial institution to assist her with the identity theft she was going through Bank of America through their consumer under the bus and did nothing and continued to not do anything this has resulted in undue stress and XXXX XXXX on me my family my business and my employees due to the fact that Bank of America continues to report me to XXXX XXXX as someone who is defrosted a bank I am unable to open any account at any Bank as well as anything that had anything to do with a bank my mortgage my credit cards not only on the personal side but also on the business side my money market account the bank that had my IRA all those are closed because they are all done from a bank I feel that Bank of America should at least try to assist their former customer in putting this behind her and helping her get on with her life I think they 're FDIC funding should be revoked immediately
NOTE : In the column 'Which of these best describes your issue? ", The 'legal action ' choice selected does n't apply here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX I contacted this company on XXXX XXXX 2015 to request that they cease deducting monthly payments from a friend XXXX 's checking account. They sent a letter reflecting such. Well, they processed a payment on her account XX/XX/XXXX despite my request ... plus they cashed the check I sent them for {$100.00}. Resulting in an overpayment. They 've made up all sorts of excuses, some of which I have documented as to why they have n't refunded me even though they clearly acknowledge that they owe the money. Even contacted the XXXX. 

Numerous calls have been made to them over the period of 90 days and each time I call, I get a different reason as to why the check was n't mailed out. Even went as far as trying to meet them in person to pick it up ... got the excuse that the check had to be signed off first ... after sitting on XXXX 's desk for two week prior to that. The information on XXXX 's desk not being processed yet part was the previous excuse made. Spoke with a XXXX XXXX ( XXXX? ) both times on that. 

In a nutshell, this company collected more than what was owed on the account and pocketed the check I sent them.
on XX/XX/2016 we was told by a guy that came to our front door that our loan on our home was sold, to nationstar mortgage, and was told by this guy that he was from XXXX and he would collect XX/XX/XXXX payment, we gave it to him, he gave us paperwork from nationstar that our other payments go to them, he left and we called nationstar the guy on the phone said yes, and that we didnt half to make a payment for 90 days because they dont have our loan yet, but later found out we was told wrong by him, now were in forecloser because of this., and was told by supervisor later that she was sorry he told us wrong, and that they would fix this, to file another loan modification to fix this problem, but was denied because was given one by XXXX in XX/XX/2016,
TD Bank reported me to XXXX on a " erroneous checking account that I have no knowledge of opening ''. I did have XXXX checking account not XXXX with them. The one they are reporting abused is causing issues with me trying to open a checking account at another bank. I tried in good will to get resolved and they refused.
XXXX  shows an equity loan still open when in fact in was paid and closed Still shows delinquent
They keep overcharging me for interest and incorrectly appying payments. Please see XX/XX/XXXX statement and payment history. The interest amount due XX/XX/XXXX on statement is a little bit over {$70.00} however, when I made my payment on XX/XX/XXXX, they applied over {$90.00} to interest. Why? This is not the first time they apply interest more than it should be.
ARS Account Resolution Services our of XXXX and XXXX is trying to collect on a Medical Debt that they refuse to validate for me. I have asked them and emailed them several times to supply me with the original signed document stating that I requested medical services. Going one step further since this is a medical debt I have asked for the signed HIPAA release form stating that I gave permission to the doctors to share or disclose any of my medical file which includes but not limited to Name, Address, Social Security number, Medical XXXX and even billing amounts. All this information is to be protected under HIPAA and this company is in direct violation of that. I also call them and tell them that I am going to record my call, and they hang up on me. I do this for my protection. They also tell me they do not have on record the original creditor or doctors name or number for me to call myself to verify this debt. But ARS will send me a letter stating that they have confirmed this debt which is impossible. They have put this on my Credit Reports as well without following proper collection procedures and ignoring my requests for physical verification.
Signed up with XXXX XXXX for a bundle of cable and Internet. However I chose to switch to XXXX XXXX and cancelled my account. After returning all equipment and etc I started receiving phone calls from a collection company. I tried to dispute twice already and they stated that I could n't. Reason being is because they said they sent me an email stating that if I ended early on my XXXX XXXX that I had to pay {$450.00} just for cancelling the internet. I check my email and have no email stating that information. Therefore I feel like I do n't need to be responsible for this debt due to me not receiving the email.
I am a customer of Freedom Mortgage and I have been since I took out a loan in XX/XX/XXXX to purchase my condo. Since then I have always paid my monthly mortgage payment which includes property tax escrow, on time. However, Freedom Mortgage and its affiliates as holder and servicer of my mortgage, in turn, did not pay my property taxes on time in XX/XX/XXXX and XX/XX/XXXX and miscalculated the escrow amounts. 
By not paying the property taxes for over two years Freedom Mortgage incurred over {$3800.00} in late fees and penalties and fines. During the time when they did not pay I sent my payments on time to them and their servicer. I was the one who alerted them to the problem in XX/XX/XXXX and they admitted fault and paid the bill. Nearly a year later in XX/XX/XXXX, they assessed me over {$3800.00} in penalties essentially claiming that I am responsible for their failure to manage my property tax escrow. They started taking this money without asking by giving me a monthly escrow overage charge of {$880.00} and overdrew my bank account in the process. They are attempting to collect the fines and overage charge that resulted from the errors made by them, their mismanagement of my property tax escrow funds and general ignorance. I paid them on time but they did not do their job as agreed. They did not pay my taxes. 

I have contacted Freedom Mortgage in writing by email and at least 20 times since XX/XX/XXXX providing full supporting documentation showing that I have paid and the mistakes made on their part. I also found a string of other errors they made while administering the escrow account. The issue is their grossly negligent miss management of the escrow account on my mortgage and the extortionist manner in which they are now taking money from me which is not theirs. 

Their response is to ignore me and insist that I have to pay for the property tax and escrow mistake made by them as the holder and servicer of my loan. Sometimes they blame their subcontractors for this mistake, sometimes not, they have stopped returning my calls, they continue to call me with autodialed calls by agents who ignore that a case is open and ignore the facts and they have not given any formal response to my written request after more than 30 days. Furthermore, they threaten to report me to the credit bureaus if I do not pay them the fines resulting from their mistakes. 

Please keep in mind that they are the ones who should be managing my property tax escrow yet they did NOT pay my property taxes on time for two years even though I sent the money on time each month. 
Additionally, the people who work there do not understand what the difference is between principal, interest and escrow. These people and company are a menace and someone needs to threaten them back because they treat their customers like garbage.
Final Notice : I am unaware of the inquiries, I have hired an investigator to look over this incident and it appears that after my investigation your company is in violation of sections 609 608 611 in The Fair Credit Act. Also you are falsely acting as the consumer placing false information on my credit report without contacting me or getting my consent. I advised you to stop repeatedly and the inaccurate information remains on my credit report. I have filed a lawsuit with all three credit bureaus and look to settle this matter in court. When you are found guilty I am suing for {$30000.00} in damages for each credit bureau Equifax, Experian, TransUnion. I am not looking to withhold this legal issue unless the inaccuracies are removed within 24 hours. I have record of previous certified letters sent several times this week, along with every copy of credit reports showing falsely XXXX XXXX codes generated by a computer and not a human I am aware of the obsolete bs along with the scams that you guys play with people. I refuse to become a statistic please remove the inaccuracies immediately. Look in the attachments below to see your inaccuracies. If for any reasons you attempt to send me any credit reports with verified inaccuracies I will personally file a second law suit against your companies for the inaccuracies, violations in The Fair Credit Act, XXXX, using and placing errors on my credit report that dont belong to me and using my name using bogus print & signature claiming to be me without my consent and lastly remove all fraud alerts today. I will be calling in on XXXX, XXXX and it have better been removed by midnight eastern standard time. I will call to check if the inaccuracies listed below and the fraud alerts are removed permanently. If you attempt continue to place pass or future inaccurate errors, fraud alerts, on my credit file you will pay multiple consequences. I am willing to take you to court every time. You have been placing fraud alerts on my credit without my consent as well. Please be advised that this is my final goodwill letter. You have been a pain in the rear end.
I WILL LIKE TO HAVE AMERICAN EXPRESS TO FORGIVE MY DEBT, I CAN NOT PAY THE CREDIT CARDS WITH UNEXEPMT FUNDS ( UNEMPLOYMENT INSURANCE ).
This is a long bizarre story but I will give you as much information that I can get in this space.. On XX/XX/XXXX I got a call from someone posing as my grandson that he was in jail injured and needed me to set up a bond to get him out. I talked to the supposed head counsel and he advised me to send XXXX via direct deposit. He gave me the name of the bondsman and his account number for a Chase bank account. I went to Chase Bank and told the teller my story and she advised the best way to send this money was by Direct Deposit and made the transaction from my savings account to their account. I asked her if the name and account was legitimate and she said yes and she put in thru. I found out 2 hours later that this was a fraud. I immediately called Chase headquarters to put a freeze on my account. They told me they could do nothing about this that I would have to go to the bank and they would reverse it. The bank was closed Saturday at XXXX and all day Sunday. On Monday. I went in as soon as they opened and they said they could not help me. On Saturday I filed a police report. I called Chase home office numerous times and got mixed messages and a run around. I was never told that if I did a direct deposit I could lose my money and that Chase would not be able to investigate the fraud.
I obtained my credit report online. There was a U S Bankruptcy Court item listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, the must remove said information from the consumer credit file. 
The US Bankruptcy Court does not provide information to credit reporting agencies, no do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or third party providers who collect information regarding public cases from public records. Public records information is never validated by the Recorder of Deeds nor the U S court system due to the Fair Credit Reporting Agency Privacy Law. 
They further stated while they are not liable or responsible for any misuse or incorrect pulbic records, nor the distribution of said information, public records may, and often times are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
On XX/XX/XXXX I was alerted by my credit montioring service that XXXX XXXX the issuer of my XXXX XXXX Credit Card had closed the account I had with them. Prior to that I was in a payment arrangement with the company. There was not any past due prior to this since the arrangement had been agreed on. After now and without notice or warning they closed the account and reported to the credit agency I thought something would change with the account or arrangement. On XX/XX/XXXX the account became past due by 30 days. After harassment from the company and no explantion of why it was closed when I was making the agreed payments, I requested a DO NOT CONTACT via a phone conversation. As of today XX/XX/2018 the bank is still charging interest on a closed account. I have not had any notice of the agreement being cancelled and the bank has broken my request for DO NOT CONTACT by calling an old number listed for me and giving out information on the account. they also threaten that if I did not call them back that day being Thursday XX/XX/2018. That they would pursue actions. The action taken my XXXX XXXX  are unlawful and decietful. I was never informed of an issue with the account or given reason why it would be closed. the arrangement I had with them had not been broken to my knowledge and they never stated I would continue to receive interest charges. they never stated they would report the account as closed at any point. Their direct actions caused my credit score to drop 20 points.
I have a five year car loan with capital one bank with a monthly payment of XXXX  on XX/XX/XXXX I prepaid this loan in the amount of XXXX and there after I pre paid the loan $XXXX per month till today XX/XX/XXXX my last payment is due XXXX the issue I they accrued some XXXX in late fees as they railroaded me a a customer. Now mine you the were able to collect some 4 thousand dollars in interest and they refuse to wave the late fees
on XX/XX/2018 I handed a check for {$400.00} to the lady working in the office at XXXX XXXX XXXX to cover my Husbands storage unit for the month that was late and 1 month in advance. I left and while driving home about 5 minutes later I called the lady and asked her to not run the check and I would bring her the cash of {$400.00} becauseI didn't want the check to bounce. She said okay and I brought the cash. She told me she DID NOT RUN the check when she took my cash. She handed me my check back and I ripped it up. A few days later my bank let me know I was overdrawn due to the payment that cleared to the storage company. I filed a dispute and requested they cancel the payment since I had paid with cash. They told me it would beep to 10 days until they resolve the issue. Well, a few times a week someone from Wells Fargo would call me asking for funds to put in my account, I kept telling them there is a dispute going on and they all said okay we'll work on it.. NO ONE EVER SAID THEY COULD NOT STOP THE PAYMENT. Later I find out that the lady that ran my check actually did an electronic check, which that alone was fraudulent of her for several reasons. I told her not to run the check, she told me she did not run the check. Moving on ... here we are in XXXX and now my bank account has been closed, the storage is claiming they never ran the check and are threatening to auction the storage due to non payment. No-one will help me and I have givin the storage my bank statement PROVING they took my money. They keep denying it. I am outside of 60 days now but have been constantly contacting both the bank and the storage company trying to get this resolved. My bank has sent me to collections already and I don't know what else to do. Also, when the bank notified me my account was closed it said I can still access my statements for 90 days. I tried to get my statements proving the check was cashed and haha I had no such access to ANY bank information. The storage people ( 3 ladies ) call me daily asking for money, its harrassment. The lady that took my check and cash knows what she did and still had the nerve to call me! 

Wells Fargo XXXX XXXX XXXX
I have XXXX tuition answer loans originally through XXXX XXXX and now through Navient. According to phone conversations with Navient ( XXXX XX/XX/XXXX, XX/XX/XXXX ), my loans should still be in an in school deferment. However, for some reason Navient has me dropping out of school in XX/XX/XXXX. Both customer service representatives that I have spoken with have looked through my promissory note and have assured me that as long as I do not drop below half time for 180 days, my tuition answer loans should remain in deferment. The first customer service representative I spoke with put through the paperwork. Navient denied my deferment, even after I was assured that my loans should still be deferred while I am in school. When I called the XXXX representative to ask why my application was denied, the customer service representative was unsure why my application was rejected other then possibly telling me that the document that Navient has from the XXXX XXXX XXXX could be " confusing ''. This same document was used by the first customer service representative to work with me to complete the application to defer my loans. I was told by both representatives that if I had dropped below half time for a period of greater than 180 days, I would have been able to have an in school deferment for 48 months ( which just ran out ). However, as the XXXX XXXX XXXX shows, I have not been attended school less than half time for more than 180 days. 

When I asked the XXXX customer service representative if I would be able to speak with the department that denied my application, I was told that they wo n't speak to me because if they spoke with borrowers they would never get anything done. I understand this, however, the customer service representatives do not have any idea why this department denied the application. 

I would like to speak with the person who is actually making the decision regarding the deferment instead of hearing a bunch of " maybe this is the reasons ''. 

I am trying to be proactive regarding my loans, however it seems like Navient would rather have me give up. I have also explained to the customer service representatives that I would not be able to afford the full payment until I was done with my graduate work. I was basically told " let the loan default and then you can work with the collections department, they may have additional programs ''. 

The school that the loan was taking out -- & gt ; XXXX, XXXX, XXXX school that I am enrolled in for my XXXX degree -- & gt ; XXXX, XXXX, Delaware