WillisBack/dataset-financial-user-claim huggingface dataset:
Upon an annual review of my credit report on XXXX, I noticed an account in collections I did not recognize from AMSHER COLLECTION SERVICES in the amount of {$2200.00}, beginning on XX/XX/XXXX, for  XXXX XXXX XXXX. 

XX/XX/XXXX - Called AMSHER directly and they told me that even though I've never had XXXX XXXX service in my life, this was legitimate and I needed to dispute it through the credit bureau. 

XX/XX/XXXX - Opened dispute online through XXXX XX/XX/XXXX -  Dispute results became available. AMSHER stated that the collections claim was legitimate and it would remain on my report XX/XX/XXXX - Called AMSHER once again to dispute the collections claim. Spoke to a XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX, XXXX based in XXXX, AL. He asked for my SSN and name. He informed me that my name didn't match the account in question, nor did my address. The account in question is under XXXX XXXX at XXXX XXXX XXXX, XXXX, TX. I do not, nor have I ever lived there and that is not my name. 

XX/XX/XXXX - Reviewed my credit report once again and found discrepancies with my past addresses, name spelling and SSN, including the name and address mentioned in the collections claim. I opened cases with XXXX and all incorrect information was removed from my report. 

XX/XX/XXXX - AMSHER responded to the dispute through XXXX and stated that " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Please help, this information is NOT correct and it's affecting my credit score. Please let me know the next steps. Thank you. - XXXX XXXX
My name is XXXX and i am writing this on behalf of my father XXXX XXXX. On Sunday, XXXX/XXXX/2016 at approx XXXX EST, we called Chase bank at XXXX to activate his chase card. My father is XXXX years old with XXXX. He needed my assistance in this activation as he did with the the submission of this application for this card. when we called, i identified myself to the chase employee who said that there are translator services so that i could not help him with this activation. the translator beeped in and my father was having a hard time understanding him. i explained to the chase employee that my father was having a hard time understating the interpreters dialect and that spoken XXXX is not all the same, she asked what was thew preference, i told her XXXX. she put us on hold again and another translator beeped in and he could not understand him either. the chase employee failed to see that this was a recurring problem and would not allow me to help him translate. the mistake that happened initially was that when he read the credit cards number, he misread it due to his limited vision and that appeared to be a soar point during the call. this call lasted about 50 minutes with 2 different interpreters whom we could not understand. after a point of frustration from my father, i could not stand to see him be abused like that, i ended the call and told the chase employee that he is nor longer interested in the card or working with chase and ended the call.
i have multiple fraud accounts on here I would like to see proof of every single piece of information that can prove that they have the correct person. I will file a police report if no actions have been taken. Every single creditor and business bureau that has collections out on me. I want to see the proof And there are lots off closed accounts that have been paid and never got taken off of here as well
The company has been refusing to properly validate a debt that has been on my credit report for a long time, and I have been damaged as a result. The company claims that I had an original account with some other party and they have been assigned the right to collect it. They need to provide proof of everything about that to me. They need to provide the original contract between them and the original creditor with a true signature and a signature of a qualified employee of that original creditor, they need to provide the full accounting, they need to provide proof of the assignment or the purchase they made from the original creditor. The right of subrogation does not exist for a stranger to the transaction. XXXX XXXX XXXX, XXXX XXXX. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. I have never done business with this company and I have no idea who this company is.
My mortgage is currently held by XXXX via Loancare at XXXX, XXXX, VA. I received a letter dated XX/XX/XXXX from Loancare stating that my escrow account was short {$2500.00}. I found out that my homestead exemption had been filed in the wrong county and had the error fixed. I then provided Loancare the exemption details in an email dated XX/XX/XXXX. I heard nothing for two weeks. I called on XX/XX/XXXX, and was told they needed a copy of the bill they had sent me. I provided this to them in an email XX/XX/XXXX. I waited again and heard nothing. On XX/XX/XXXX, I called and was told they " needed further information '', but they provided me no details on what the information was or what their plan was to collect this information, and whether or not they intended to get it themselves or if I was responsible for providing it to them. They informed me the problem had been " escalated to management ''. I called again on XX/XX/XXXX and was told management should have it resolved by " tomorrow '', XX/XX/XXXX. I have still heard nothing, nor have I had any communication from the company other than automated calls telling me I have to pay them. Due to this escrow miscalculation, the company is demanding that I either write them a check for {$2500.00} to cover my escrow shortage, and that if I take this action, my monthly payment will increase from {$1000.00} to ~ {$1200.00}, or that they can collect the shortage and build enough for next year by increasing my payment to {$1400.00}, a nearly 50 % increase on my monthly payment. I have looked into reviews of this company on several different websites and believe that this is their standard practice, intentionally muddying the waters and delaying escrow assessments in order to make money off homeowners who had no choice when our mortgages were sold to what appears to be a very disreputable company.
XX/XX/XXXX I sent {$75.00} from my XXXX  account to another account that will not release the funds to the recipient. I contacted XXXX XX/XX/XXXX and was informed that if the recipient called XXXX and requested that the money be reverse transferred back into my account, the situation would be handled. However when the recipient called XXXX  they informed her that her account was frozen and the money was non-transferable at that point. The only option the recipient has is reimbursing XXXX from a previous charge that was mishandled. I believe XXXX is committing fraud. Her bank never froze her transactions, but XXXX   claims it did and has locked her out of her account with a {$160.00} fee for reinstatement since XX/XX/XXXX.
Equifax is currently reporting my XXXX XXXX account as charged-off. I 've received a letter from XXXX XXXX stating there is incorrect information being reported on my credit report and they have agreed to remove this account from my credit reports. Please see a copy of my Equifax credit report, as well as a copy of the letter from XXXX XXXX. Thank you.
On XXXX 2016 I rented a vehicle in the XXXX, XXXX, XXXX,, XXXX XXXX XXXX XXXX. I returned the car full of gas, on time and I was given a signed bank receipt for certain amount. When I got back to the states and noticed that there was an overcharge of {$130.00}. 
Immediately I called the company in fluent Spanish and I was explained that the charges were for an exchange of a vehicle, that I had asked for since the keyless ignition locked me out, and the particular vehicle had a recall XXXX wide for that problem, and I was told that they charged for that, even though I sent Chase bank a copy of the recall and names of witnesses that helped me tried to start the vehicle. Regardless I sent them copy of the contract showing " free towing '' in which I paid, and was included in the contract. I waited for 6 months without a response and I reminded them of the time elapsed and all of a sudden without contacting the vendor and approaching them on the vehicle recall and free towing, they sided with them. This was fraud and they did not treated as such. 
When I approach Chase, they are very rude about it and do not want to explain as to when they talked to the rental company or what was discussed. I have been defrauded and they did not treat the investigation as such. 
.
Wells Fargo Home Mortgage on XXXX XXXX, 2017 fraudulently charged me {$150.00} for two days of 3.8 % interest on a {$48000.00} principal balance. On XXXX XXXX, 2017 I paid Wells Fargo {$310.00} in interest covering the monthly interest cost. So two days of interest on {$48000.00} at 3.8 % a year is {$5.00} a day or about {$10.00}, not the {$150.00} billed by Wells Fargo Home Mortgage. Wells Fargo owes me {$140.00}. Thank you for investigating and helping to resolve. Sincerely, XXXX XXXX
XXXX XXXX started to call me, my family, and friends repeatedly since yesterday, XXXX/XXXX/17. He has been asked to not call and continues to call. It has caused XXXX, XXXX, and XXXX on our family when we have enough already going on with our XXXX XXXX son. I have no idea what he wants and who he is looking for. This harassment needs to stop!!!
Company : Key 2 Recovery I am currently serving in the military and was informed that the private loan I had taken through college had gone to collections under a total of {$19000.00}. I received the notification in XXXX 2016. I responded with a letter claiming the Civil Relief Act that would lower the interest to 6 % and also requested verification of the account. I received a response which listed my principal amount as being {$13000.00} and an additional debt of {$6500.00} listed as " collection cost. '' No proof of contract for the private loan was included in the correspondence. The company said nothing about honoring the Civil Relief Act. Since then, we have receiving phone calls threatening that my situation has been " escalated. '' I have not yet called to request clarification for this threatening statement. 

To date, my debt has been in collections for over a year. However, it has never been officially listed in my credit report. Insofar, I have not yet taken action as I question legitimacy of this account.
I am a victim of there inquiry issue. I have spoken to the customer service and was told I was n't a victim. The customer service rep was very rude and they refused to take care of it.
Wrong address ON FILE- mail going to old address- they still have A security freeze on both my account and wife as it was removed through Experian XXXX 2017. waited on phone well over hour I could not get the overseas representative to do anything! Asked to be transferred to US waiting and waiting finally hung up. I asked them to contact Experian who was supposed t be updating all three agencies- that evidently did not happen- they still have old incorrect missing information on their report!
XXXX XXXX has sent me a bill to XXXX different collectors from my mother in laws XXXX account when we lived at her address. The account in reference does not belong to me or my wife.
In 1991 my wife and I received a XXXX loan due to the earthquake in California. After a year or two they sold the loan to CSC Logic. For the last 22 years I have been trying to secure an annual statement from them showing beginning balance, payments, total interest, principal reduction and ending balance. I can not get to any managers, officers or find the company online. The only information I can get is their a division of CSC
I have attempted to resolve an unauthorized charge on my XXXX   Debit card from Simple.com bank. There is an UNAUTHORIZED charge from XXXX XXXX that was made on my debit card on XX/XX/XXXX for {$810.00}. I notified Simple IMMEDIATELY, on the same day the charge occurred. They opened a dispute and put a block on my card as requested. Then, on or around XX/XX/XXXX, they decided to close the dispute saying they didn't find anything wrong. I then called them, asking why it was closed, and how there is no way they properly investigated it. THey then re-opened the claim. On XX/XX/XXXX, today, I received a message that they have again  decided to close the dispute and will not be returning my money. They have denied to help me, even though I am supposedly protected from unauthorized transactions. XXXX won't help, Simple has denied to help, so I have no choice but to turn to the CPFB for help. All I want is my money back that was stolen from me.
I recently discovered that Bull City Financial has reported 18 medical bills on my credit report. I have health insurance, so there is no way I can have this many unpaid medical bills. Prior to these accounts showing up on my credit report, I never received any notice of my right to dispute these items. So I called Bull City Financial, and they told me that I should dispute the accounts at XXXX, which I did. All they did was confirm the bills to XXXX. I still have not received any verification of the medical bills from Bull City, and I still have received no explanation on why they reported all of these things without contacting me first.
In the 1920 's my great grand father established a trust for his XXXX granddaughters at a bank that no longer exists. Through a series of mergers the account has ended up at BNY Mellon Wealth Management XXXX, PA. 

The original trust was invested in stocks. Since the trust has been managed by Mellon Wealth they have put 100 % of the assets in Mellon affiliated accounts with the majority having higher than average fees and lower than average results based on XXXX XXXX. I even went so far as to run a report investing in 5* funds comparing them to their rates of return. 

They also sell the funds and buy new funds frequently churning the account for fees and the fee funds are higher than normal. 

Each year I complain that I want the money invested outside of the Mellon affiliated funds as I believe it is a conflict of interest. I've asked to be given some kind of control over when funds are bought and sold and what funds are bought and sold. I've asked that my portion of the trust be paid out since my mother has died. All rejected with one excuse over the other and nothing ever happens. I was hoping this agency that provides bank oversight could help stop this ripping off of the trust.
On review of my account after opening, I noticed a {$29.00} activation fee after the first charge was made to the account. I was not informed nor did I notice any documentation regarding this fee when signing up for the card. 

On XX/XX/2018, I requested a copy of my credit card agreement. About a week later, I received the credit card agreement and noticed that there was no disclosure of an activation fee under the " fees '' section of the agreement. 

Around XX/XX/2018, I contacted Synchrony Financial in regards to this fee and only received responses on an explanation of the fee. They did not address my concerns that this fee was never disclosed to me and is not part of my credit card agreement. Furthermore, they were unable to produce documentation showing that I agreed to such a fee, as I had requested. As such, I believe this fee was inappropriately charged to me and Synchrony Bank is refusing to refund it to me.
Ocwen mis-applied funds/ did not apply payments mailed to my loan. 
extra money was mailed to pay down the principle as noted on checks cashed - they were applied to an " unapplied funds " and recently deducted by a forced escrow account. they claim it was because I did n't have insurance which I did - I was billed {$2800.00} yet only given a {$590.00} credit 3 months later XX/XX/XXXX. Since my statements dated XX/XX/XXXX The unapplied funds are not being used to cover an escrow account to pay property taxes to which I pay them yearly. I have asked the funds be replaced and was told no that Ocwen has the overall say in how " unapplied funds '' are distributed. I explained that I pay my taxes yearly- I am told that an account manager will review - to date they continue to take the funds- now sending me deliquent letters that I have unpaid balances on payments - those payments being set aside in a suspense account. I am currently being charged for past due payments and missed payments. certified letters that come in triplet and home inspections fees that when explained is done by an outside company to inspect the home and make sure its not " abandoned '' - when I explained I lived in a gated community and there were camera 's out front as part of my home security- AND I HAD PROOF NO ONE EVER LOOKED AT THE HOUSE OR DROVE BY -the rep contradicted herself by saying it really is just internal and they could not give me proof- I asked for a refund to which she explained that they were not going to refund the money because they are allowed to charge the fee regardless if someone see 's the property or not. I was told to " just pay it '' I get charged a different amount every month. In the past I was charged {$100.00} recently {$13.00} and sometimes {$15.00} - there is nothing in my loan documents. I 've asked for them to mail me a copy specifically noting that they can charged me- I get hung up on EVERY TIME! I 've called and asked their resolution department to contact me - I get no reply. I have asked to speak to managers - I get hung up on. I have cleared payments from the bank and yet every time I call to get it resolved they claim their records are accurate and that I need to mail the money immediately or they had to right to " take my home because the loan documents I signed give them all the rights to my property. 
On XX/XX/XXXX received a certified letter claiming that I was delinquent pmnts from XX/XX/XXXX-XX/XX/XXXXthat Ocwen had adjusted my monthly pmnt to {$2200.00} from $ XXXXthen a day later another certified letter arrives and that pmnt for that time frame XX/XX/XXXX-XX/XX/XXXX all had an unpaid amount / balance due of {$440.00} - when I called their customer service department I was told an account manager would be handling my account since the last payment made in full was XX/XX/XXXX. 
I received the same letters monthly - sending out bank statements until XX/XX/XXXX when I received a certified letter explaining that I still had unpaid balances on the missing pmnts - which were late fees.
I have contacted the agency several time about the bankruptcy report they have not contacted or complied.. This is not my file
The bank is trying to get fees out of me by eliminating pending transactions a day after I charged my debit card. I made an external transfer into the account to cover the balance BEFORE the fee was even charged. I made a charge on XX/XX/XXXX and it was pending all day on Tuesday XX/XX/XXXX. On Wednesday morning I noticed my account was overdrawn and I made a transfer to more than cover the amount of XXXX and the bank still charged me {$35.00}. As of Wednesday morning there are still pending transactions which would make the posted balance a positive balance. Fees are charged once the posted balance reaches XXXX.
Company name is southwest credit, located in XXXX tx. 
They are calling me everyday.
When my ex and I we married and did n't have great credit we went got a vehicle loan together. The loan was over {$400.00} per month which was ok when we were married. Once we divorced and I was the only one making the payments it became too much for me to afford. I called and asked if there was anything they could do to help. I asked if I could trade the vehicle I was currently paying on for something less expensive so that I would still have a vehicle and that I would be able to afford. They informed me that they could not help me with changing out my vehicle to make the payment lower for me and that I would have to find a way to still make the payments of over {$400.00} or simply turn the vehicle back in and loose everything I had already paid and be left without a vehicle. I 'm still being forced to make outrageous payments as a single mother of XXXX children with no help or assistance.
After XX/XX/XXXX and around XX/XX/XXXX my University of XXXX student loan I had closed and disputed in XX/XX/XXXX was finally removed and no longer owed that a third party collection called Nelnet picked up my personal identity account information over a few months after XX/XX/XXXX and started harassing me worst than the scam lottery sweepstakes was doing to me and so I agreed to work out with Nelnet why the College I took less than a month of online courses with was not updating I changed and updated my balance to a whole different College not listed around them called XXXX University in florida to keep me from owing and having any withdraws for the one month online schooling I was paid for and the College grant funding was returned back to University of XXXX I borrowed that caused Nelnet to report I receive other funding from their education funding and I only took out the one student loan that was on my credit bureau and Nelnet reported to both credit bureaus I owe them my student loan debt after my student loan was reported paid off Nelnet was reported by the BBB and now their Supervisor is saying hire a lawyer because it was verified with their advisors I owed it from the University of XXXX billing me and their Admission and financial aid records explained even after 180 days it was no longer owed and nothing on file after seven years to keep being billed for. The University of XXXX contacted Nelnet about me not owing the student loan after Nelnet said I owed the University thats why they keep billing me and to recertify the student loan for over 15 years for it to be removed and I was only given borrower defense repayment program emailed XX/XX/XXXX from Nelnet fraud department after being scammed this student loan debt account and I uploaded this screenshot that my student loan was borrowed and paid in full with University of XXXX already after Nelnet keep providing signed documents of me borrowing and withdraw check and one month schooling online I received from University of XXXX XXXX in charge of that department had XXXX the advisor with Nelnet update my bill was never in collection and being paid to Nelnet and so Nelnet supervisor explained have a lawyer remove it by now and I would like this fraudulent student loan XXXX account with Nelnet deleted their making statements for the University of XXXX by updated changes to the credit bureau and the screenshot shows that my student loan I opened a account with one was canceled the other one paid in full with XXXX XXXX XXXX and updated like that from XX/XX/XXXX-XX/XX/XXXX as paid off and removed. I never signed and took out a personal student loan just mailed out deposit money orders for those kind and Nelnet scammed this one to me and I am filing this complaint to have them remove my identity and account information from their records the University of XXXX verified nothing was owed to Nelnet in XX/XX/XXXX I am being billed by a Nelnet company and told to hire a lawyer to have this student loan account removed that Nelnet have a billing account for me on in XX/XX/XXXX.