WillisBack/dataset-financial-user-claim huggingface dataset:
Seterus has placed forced insurance on my home for homeowners and flood. I always had my own coverage and they have charged my Escrow Account an " Earned Premium '' when in fact, the policy should have been canceled " FLAT ''. Due to this I have paid over 1,500.00 in DUPLICATE coverage.
Seterus continues to place my payments in a " Suspense Account '' of which there is an overage of {$5900.00}. I have asked them to credit these monies to my Regular Payments, they refuse and say the " USUALLY '' will oblige when I get caught up on my payments. How can I get caught up when the continue to show me delinquent?
Seterus is strong arming me into a " Mortgage Modification '' however this modification only reduces my monthly payment by {$100.00} and has the same interest rate ( 6.75 % ), Loan amount BUT they want to make this a FORTY YEAR mortgage ( XXXX ). Keep in mind, I already have paid on this mortgage since XXXX. That would be paying for 60 years! I am only 2 months behind ... ... ... .I am a single, female they are trying to steal my home. They threaten me and call continuously along with saying they will foreclose IF I do not sign the modification ... ..I AM ONLY 2 MONTHS BEHIND! And they have my money stuck in " Suspense '' ... ..and " MIGHT '' credit it ... what is this????
I sent an email to equifax that the car loan with XXXX was paid in full and should not be showing an open balance. I got the run around that I had to send another request to someone else. I think that is hog wash. The ball is still in their ball park. They should have taken the initiative to forward that email to the correct person. They are the ones who have it wrong. I should not have to go through a song and dance with 20 different people. I think these so called credit bureaus have too much power over information that should be more readily available. The account has not been updated since XXXX of 2017 when the account was paid in full. I am trying to get my credit score repaired so I can get a reliable car.
this is as far as what happened XXXX XXXX XXXX at XXXX Utah, I am totally disappointed as this institution has the way to convince take advantage of the money of the parents, my daughter XXXX who attended to this XXXX XXXX from XXXX XXXX to XXXX XXXX I have not seen any change progress in their totally deficient in math and reading, my daughter grades with a totally low grade. The only thing that my daughter was taught was divisions that is it. 
They do not have trained teachers or a better teaching method for the student. 
Now they according to their record that my daughter took 73 hrs those 73 hrs is nothing based on what? they fix the hrs on their computer on their convinience, my daughter did not learn anything, I flatly refuse to pay XXXX dollars as the manager told me that I would have to pay that is not fair, I am a single mother I do not have financial resources to pay. 
I feel that they are stilling my money in combination with this XXXX XXXX XXXX phone number XXXX
I disputed this listing with a credit bureau and it was removed. In XXXX 2017, it was placed back on my credit again listing different information. I 've disputed it once again with XXXX and am waiting on results. I 've also disputed this with ERC, the credit bureau making the claim.
Multiple calls have been made to Westlake and their attorney  XXXX   XXXX  for information on the homeowners case to see if they post poned the sale due to the filed arbitration complaint and lis pendens. The rep  XXXX  at  Westlake  said they didnt have the previous TPA submitted and asked me to email it to her. She refused to let me conference in the homeowner who has been desperately trying to get an update on his foreclosure. The assigned attorney for Westlake refused to also give us or the client an update on the sale date. She said on the phone even if I get your TPA I will not provide you any information.     A QWR was submitted and the lender has failed to respond prior to the sale date of the home.
The allocation of my monthly loan payment & the amount that is applied to principal & interest are in question. I have yet to hear back from Navient on this yet.
This complaint is against Transunion Credit Bureau. I 've recently been denied from several companies, XXXX XXXX, XXXX, and even XXXX XXXX XXXX. Two reasons for denial that I ca n't understand. " Serious Delinquency and Delinquency too Recent ''. XXXX XXXX continues to report fraudulent information towards my credit report. On XX/XX/XXXX I received an email from XXXX XXXX, executive director in creditor operations for XXXX XXXX. The email is a response from an email I sent to XXXX to delete my account from all credit bureaus or I would seek legal action for them reporting fraudulent information on my credit report. I 've filed several complaints with Transunion about this issue over the last year. XXXX and XXXX have deleted the account. This account was included in my XX/XX/XXXX chapter XXXX bankruptcy. This bankruptcy is public record and had Transunion done a thorough investigation, this matter would have been resolved way back. I 'm requesting documentation of all other accounts that are supposedly delinquent and derogatory. Over the past 1 and half years, I 've opened about XXXX new accounts. I Have Not missed or been late on any accounts. I do have a chapter XXXX, which is 8 years old, and a chapter XXXX, which is 6 years old, on my credit report. I 've called customer service at Transunion several times. Transunion is the type of company that sends their customer service jobs overseas. I can never hardly understand the representative. They are also not very knowledgeable about The Fair Consumer Reporting Act. Why am I having to talk with someone from another country about my credit issues?? Is n't this one of the issues President Trump ran against?? In addition, I will be filing a complaint with the Department Of Justice.
I have had an American Express account since XX/XX/XXXX. In XX/XX/XXXX, my life got very complicated, and I stopped checking my statements meticulously, catching their frequent errors, like adding finance charges on balances paid in full. 

In XX/XX/XXXX my situation got worse, and I followed a police suggestion to move without leaving a forwarding address to deal with a stalker. Though I tried to update all my addresses by phone or by web form, it is possible I missed American Express. However, it 's also very possible it was their mistake not to update my account : AmEx representatives are frequently careless AND the company has a policy not to send statements if there is a {$0.00} balance. Honestly my life was so upside down, I just ca n't say. 

XX/XX/XXXX I was startled to see an unpaid balance of {$1200.00} on my AmEx card. Additionally, there were multiple issues on my credit report : credit cards I had closed that had charges on them and were delinquent, utilities from a town I have moved from that had current bills, etc. Though I do n't know that I am the victim of identity theft, I am checking everything closely, following CFPB 's guidelines and Best Practices to repair and correct. 

On XXXX XXXX I called American Express and explained this somewhat convoluted situation to XXXX. XXXX said he was listing a Dispute on my card balance, and was sending me 5 years of statements to review. I explained to him that I wanted to take action on my account by the end of the year, whether by filing for fraud or by paying the outstanding balance. He assured me that the account would not be referred to collections before the end of the year. 

I never received the statements. On XX/XX/XXXX, I discovered I could request all the statements online. On XX/XX/XXXX, I downloaded my statements dating back to XX/XX/XXXX. On XX/XX/XXXX, I attempted to contact someone at AmEx who could address a few concerning charges ( XXXX in the amount of {$690.00} ) and then accept payment for the remaining balance. After six hours of phone calls, of waiting for return calls, of tweeting, I gave up. 

I 've been told that my account is in collections and can only be paid through a collection agency- yet, no collection agency has contacted me, and the account shows as being able to be paid online. I have been yelled at ; I have been told that the CFPB regulations do not affect them. I have been placed on obscenely long holds for up to 39 minutes at a time. 

Again, I am trying to make right an outstanding account. Why am I unable to reach an Escalation department, a Senior Account Specialist, an Ombudsman- or simply someone who is n't scripted and who has the authority to make decisions and get my account paid? 

Additionally, why did I never receive the statements that XXXX said he was sending out- nor was any " Dispute '' placed on the account? I thought that if I called a credit card company and reported that I was disputing or investigating potentially fraudulent charges, that they had to list that information in their system and report it to the credit bureaus?
According to my credit report there are XXXX payday loans XXXX for {$700.00} and another for {$750.00}, on my report, after disputing both of these items the amounts owe went from the above amounts to {$13000.00} for XXXX and {$14000.00} for the other.
I have contacted XXXX XXXX on several occasions over the span of the last two years. They list a collection account from XXXX XXXX on my credit report. However, I have never had insurance through XXXX, only through XXXX. Despite numerous requests to have the information removed from my report it continues to persist.
Last year, I was experiencing some financial difficulties paying my mortgage with PNC due to job layoff. An attorney contact me from California stating he could assist me in getting my home refinanced at a lower mortgage rate under the HAMP program which did not occur. Instead, I was given an extension on my loan to pay it out for a longer duration under HAMP. Up until this time, I had NEVER been late on my mortgage. Since then, I have been harassed by the PNC collection department, every month that roles around about paying my loan which is not late. I pay my loan every month and it is not late. Last year, I was harassed daily 7-8 times each day by their collections department and it affected my health. I do not know how to get this stopped, but there must be some law in effect that would be helpful to me. I know I am not the only person experiencing this treatment, as I have spoken to others who are also PNC mortgage holders contacted by the same lawyer who called me about the HAMP program. If I am not LATE on my mortgage with PNC, then I should not get calls. It is just unnecessary harassment and stress that I do not want or need in my life and want it stopped!!! Hands down PNC BANK is the WORST mortgage company I have ever dealt with and I have owned several homes in my life. No one should be subjected to this kind of treatment! It is in human and they need to be held accountable!
I have reached out to the CRA ( Equifax ) several times with the same complaint. I have sent certified mailings with return reciept with the same complaint. please remove these 2 inquirys cause they do not belong to me. I have sent certified letter to XXXX XXXX XXXX as well with return reciept and still no responce. I did not apply for these services. 
Please REMOVE these inquirys from my report they do not belong to me. 



XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiry from XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2017 2017
To Whom It May Concern My wife and I have been contacting Bank Of America for about two months now and getting no helping answers leaving us very disappointed with B of A. We have a 15 year loan and are final payment according are contract is XXXX/XXXX/XXXX. Are most recent statement says that are contractual remaining term is 05 months. The problem with this is we will have a balance of approximately XXXX dollars now we were able to get a customer service person that told us who was not even sure but said come to the end of this term we would need to have the balance payed off in full or Bank Of America will take action with foreclosure on are home and it will affect our credit. 
Trustworthy and reliable customer for about 15 years current with all payments and yes We are considering going with another financial institution if this situation is not going to work for us. 
Thank You XXXX XXXX Here is my follow up letter on this situation after receiving a letter on XXXX/XXXX/XXXX from Bank Of America -- I am going to make this short It does not take 24 days to research this problem It takes about one hour only because as I had mentioned in the first letter to customer relations with Bank Of America. I have received a letter from XXXX XXXX regarding a search on our loan. But this search is from a different loan this is not ours and the only note that was sent was our promissory Note from XXXX XXXX XXXX which reads our final payment due XXXX/XXXX/XXXX Not XXXX XXXX! There is No Resolution To this Legal and binding Contract. Please be advised any more notes or History of payments will not be accepted. We need an explanation of why our loan was extended without an approval and a signed plan of documentation. And lastly We have No plans of using modification, to cover this Bank Of America system of doing Business this is Not good Business, and please note on your letter you state that you are a dept collector I hope you are not for the reason of LEGAL matters, If so then we have a situation with our understanding on our Loan. 
Thank You XXXX XXXX
On XX/XX/2019 I received notification that I applied for a XXXX Credit Card Application number XXXX. I did not authorize nor did I apply for a credit card at anytime with XXXX XXXX or XXXX XXXX XXXX. This fraudulent activity has impacted my credit score and produced a Hard inquiry on my credit report. I rarely shop at XXXX  and never authorized the company to share my personal information or initiate any credit granting on my behalf. This act is clear credit card fraud and identity theft. XXXX  erroneously and egregiously attempted to utilize my information.
Moved to  XXXX  for work. In  XXXX  I noticed my RV payment was not taken out of my acct. Called PNC Bank. Said the payment went back in  XXXX . No payment since. So they let me catch up payments,  XXXX  . And back on payments. Been pulling payments out since then. Put on my credit that acct is closed and wrote off. Credit went down   XXXX   pts. Had our mail transferred to daughters house. No letters, emails or phone calls to let us know there was a problem. Just would like my credit fixed as we have never been late in 10 yrs. please help me. Thank you
On XX/XX/XXXX I contacted Continental Credit CTRL to resolve a medical bill that was placed on my Credit Report. I had called them before I believe in XX/XX/XXXX asking why I was getting collection notices from them in regards to Radiology bills that were due to a violent crime. I gave them the Victim 's Assistant contact information as well as the Assistant D.A. as well as opposing counsel. They disregarded the information and placed the bills on my credit report. The person I spoke with XXXX XXXX at ( XXXX ) XXXX said on XX/XX/XXXX mentioned that she went over the notes and saw the previous info. I asked her then why was it on my credit report if they knew that I was a victim of a violent crime and that it was going to be paid via either restitution or by the Victim 's Assistant Program ( VAP ). I told her that I would check the correct fax number and mailing address for the account and call her back which I did and gave it to here within 10 minutes. She said after I have given her all the numbers and addresses for the VAP, that there was nothing that she could do. I asked her what that meant. She didn't have an answer. I told her that made no sense and why would they be so difficult to a person that was doing everything to get them paid and their credit clear. I asked to speak to her manager and he was unavailable. This company is very ill-informed about the VAP and their ability to pay medical bills if a person is approved. I attempted to explain that to her but she wouldn't listen. I guess their phone calls are limited by time therefore they talk extremely fast and don't have time to listen. Regardless, I spoke with them at least 4 times today to rectify this situation. As well as at least twice before on XX/XX/XXXX I called them twice XXXX XXXX & XXXX after being hung up on by a male.. I don't understand why a company representative from Continental Credit CTRL would be so difficult to a person who is doing everything in their power to get them paid. They are unprofessional and uninformed. They need more training on how to resolve medical billings on the proper XXXX   forms to insure payment. I also asked them if this could be resolved if I contacted the XXXX XXXX practice directly and for that she had no answer. Why are victims of violent crimes made to be punished by not only the assailant but by the credit agencies whom the survivor is trying to pay? This has caused a mountain of stress that is very destructive.
I have made 17 consecutive on time payments of {$4500.00} to XXXX XXXX XXXX ( Acct # XXXX ) on a 30-year fixed mortgage. However, in XXXX they increased the amount due to make up for an escrow payment for property taxes. I was not aware of the increase and my auto-bill pay sent the same amount. I was notified that I was late in XXXX, but knew I was current. However, I found out I the increase of {$54.00} was the difference in the increased amount that was late. Upon hearing the news I immediately paid the {$54.00} difference, in fact I paid {$190.00}, just to make sure no late fees or accruals would be attached. Then I saw they reported me as 30+ days late on my credit report. I asked them to remove it, but said due the Fair Credit Act, I must request removable by the CFPB and the Agencies. I sent a note to the agencies and to you as well.
capitol one or XXXX XXXX wrongfully sued me for another companies debt. XXXX XXXX a former busineess checks used to bounce and i 'm just a employee. accountant did not deposit money into accounts for checks to clear. if a job or business is responsible for paying the employees.employees should not be held responsible for bounced checks or fees. owners should be sued and accountants. XXXX XXXX XXXX XXXX XXXX XXXX embezzled money did not deposit accounts and opened up businesses illegally. XXXX XXXX embezzled over a million dollars from XXXX XXXX Alone. I had no idea about this debt and is a business debt not a consumer.
The XXXX is using deceptive practices in an attempt to benefit from an increase in late fees due to a system limitation and/or flawed process. I had a negative balance in my toll tag account which I do not dispute. As such, I received invoices and subsequently deposited {$100.00} in my toll tag account. The {$100.00} would have covered several invoice balances and would have eliminated the accural of additional late charges. XXXX did not credit the surplus funds to my outstanding balances and as such continued to collect late charges. They sent XXXX invoices to " collections '' while they were sitting on {$100.00} in the toll tag account. They told me they were not able to waive the excessive late fees because the system did not work that way and would not automatically transfer the funds. You have to call to do that and that is not disclosed anywhere. As such, they continued to collect late charges based on an aging criteria. 1. XXXX needs to fix their system so if there is a balance added to the toll tag account it will be automatically applied to any outstanding bills. 2. They should also be able to be applied to balances in collections and waive those late fees if it their was a balance in the toll tag account as their " collections '' department is in house and owned by the XXXX. My total late charges paid were 56 % times the amount of my original toll. Unpaid balances should be paid by surplus toll tag account on a XXXX basis. Banks are cited for these sort of practices, so why should n't the government be held to the same standard? Example : Toll charge 1= XXXX Toll Charge 2= {$26.00} Total for that invoice is {$88.00}. Late Charges are {$70.00}. A total amount of {$150.00} was sent to ( in-house XXXX ) collections. Collections attempted to collect on {$150.00} while I had {$100.00} surplus balance in my toll tag account. In addition, there were newer oustanding invoice balances that continued to accrue late charges as that surplus balance remained in tact.
Company ( s ) : Best Buy Credit Card through Citibank.

I opened up a credit line with Best Buy/Citibank 2 years ago in XX/XX/XXXX. I purchased a tv with this credit line and was told I would not pay any interest for 2 years, however, I was not informed that interest would come back after the 2 years. I had explicitly asked the employee who assisted me with the opening of this credit line if any changes would occur after the 2 years end, and I was assured this would turn into a regular credit card with interest. I was lead to believe this credit card would be like a normal credit card with interest, but not that the interest from the initial purchase would accumulate over time and that if i did not pay the full amount within the 2 years that interest would come back. I would have not opened this credit line if this were the case.

Last month, XX/XX/XXXX, I had a balance of {$500.00}. Now this month, XX/XX/XXXX, I receive a statement with a balance of {$1200.00}. There was an interest charge of {$710.00}. This is insane. I was under the impression that the interest charge after the 2 years would be for the remaining balance, which is {$500.00}. I was okay with this, not the ridiculous accumulated interest charge fee of {$710.00}.
I ca n't view my credit reports and YOU are costing me Section 8 Housing. The apartment complex denied my residency. I only have a few days for an appeal. HELP me, PLEASE!
The Money Source aka TMS, paid my taxes for XX/XX/XXXXafter they were already paid in closing. TMS was refunded in the beginning of XX/XX/XXXXfor those XX/XX/XXXXtaxes and then paid my taxes in XX/XX/XXXX and filed incorrect XXXX  's for XX/XX/XXXX and XX/XX/XXXX. When brought to their attention and asked for them to file corrected ones for XX/XX/XXXXand XX/XX/XXXX, TMS customer care said no go see a tax advisor. 
I then emailed and in writing de-authorized them to service the escrow account and demanded it closed. They said no they wont close it that it is a VA loan and it is mandatory. I explained to them that the VA does not required or have mandatory escrow accounts for their loans. I explained that I did not apply to TMS or refi with TMS that they assumed my loan and must accept all terms and conditions. I explained that on page 4 of the loan disclosure that escrow was not mandatory for the loan and that I voluntarily accepted it and that it does sate that I may cancel with out stipulations. They told me again no they will not cancel my escrow accounts that I can refi with them or to make escrow payments or they would file against my credit reports.
I've never had XXXX as a service provider. I've been going in circles trying to fight this charge on my credit report but have been unsuccessful.