WillisBack/dataset-financial-user-claim huggingface dataset:
I refinance my house on XXXX XXXX, XXXX and opened mortgage with Quicken Loans. 
My monthly payment on 30 years fix interest loan was XXXX On XXXX XXXX, QL against my knowledge and my wishes created an Escrow account that is attached to my 30 years mortgage. Since XXXX XXXX I made over 10 requests to close Escrow account. QL refuses multiple requests to close escrow account unless I apply for new higher percentage loan. 

QL uses an Escrow account to frequently modify the amount of monthly payment, and charge me a fee if I can not pay new payment within the grace period. 

In XXXX XXXX clerk at XXXX XXXX collector office told me in person that I could make payment on real estate tax anytime until XXXX XXXX without incurring any additional fees. QL did not inform me about its intent and on XXXX XXXX, XXXX decided to pay XXXX XXXX collector office and present me with a bill. 

On XXXX XXXX, XXXX QL purchased second real estate insurance ( in addition to one I already had ) for the amount of XXXX. I complained and on XXXX XXXX, XXXX, QL issued a refund of XXXX. 

On XXXX XXXX, XXXX QL decided to pay XXXX XXXX collector office again and present me with a bill. My real estate taxes was paid by me in XXXX XXXX ( one month prior ) and QL issued a payment on taxes that is not due yet. Furthermore, QL paid on taxes that are not billed yet. 

I am asking QL to issue a refund of {$3800.00} because I already paid the second installment of XXXX taxes on XXXX XXXX, XXXX, close escrow account, and stop making payments on my behalf to entities that not even requesting payments.
The ICBC Bank said my card had already activatedbut when I used it at stores. The card showed unauthorized. I called to their bank which located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. They said they would fix this problem. However, after a week, the card still did not work. I call 4 times at least. The service attitude was horrible. They didn't listen to my problem, and hang up the phone. I thought it must be I called too much, but they can't solve this problem. Therefore, they choose to ignore this issue. They said the card couldn't use and all of their consumers had this issue. They don't how long they can fix this issue. This is ridiculous. A bank didn't how long they could let their consumers use their cards. Excuse me! And their bank located at XXXX XXXX consumers service was very mean to the consumers. I think they had a discrimination problem. They were very rude to the consumer who had an accent.
I was called and told that I had won a free gift ( face cream ) by the company XXXX XXXX in XX/XX/XXXX, and all I had to pay was the shipping cost of {$4.00}. I paid the shipping cost and received the free merchandise. I received a letter dated XX/XX/XXXX saying that I owe {$170.00} for the same merchandise that I had received as a free gift. I told them that I did not want anymore of the gift item, but was told that I did n't respond in the time limit to cancel the merchandise, so I sent a money order in the amount {$170.00} which they said I owe on XX/XX/XXXX after receiving the first collection notice which was to pay in full the cost of the merchandise. I received a debt collection letter, XX/XX/XXXX and a second letter XX/XX/XXXX. The XX/XX/XXXX collection letter was sent by XXXX XXXX XXXX XXXX XXXX XXXX, and the XX/XX/XXXX collection letter was sent by CCB Credit Services. This company XXXX XXXX has been listed as a complete internet scam and the two collection agencies and XXXX are one and the same. There are other incidents listed on the internet about the company doing the same thing to other customers. I have paid the bill in full and the company should not contact me any further in regards to this matter. Company : XXXX XXXX - There is no contact number ; XXXX XXXX XXXX XXXX, XXXX. Contact info : XXXX or XXXX ; CCB Credit Services info : XXXX
XX/XX/XXXX charged {$230.00} at Discount Tire who uses Synchrony Bank. Was a 6-mo no interest acct, made 5 payments of {$46.00} each from XX/XX/XXXX through XX/XX/XXXX for ttl of {$230.00}. Due date for each payment was XX/XX/XXXX of month, my bank statements show that each payment sent by my bank on XXXX of each mo except for one for XX/XX/XXXX sent on XX/XX/XXXX - these were auto-payments that I set up via my bank. On XX/XX/XXXX received email saying I owed {$29.00}, but did not see the message & saw next email message XX/XX/XXXX saying I owed {$31.00}. XX/XX/XXXX called Synchrony customer service & eventually spoke to an XXXX who said he was a supervisor. First said I had missed the XX/XX/XXXX payment - gave him the dates and amounts of payments telling him to multiply them and he agreed they totaled {$230.00}, then he said a payment was late - again went over the payment dates.Then told me some convoluted explanation that because the due date was the XXXX of each of the months and the payment that came in on XX/XX/XXXX, did n't get credited for XX/XX/XXXX Told him it was a completed scam that because they received 2 payments in XX/XX/XXXX - one on the XXXX and another one on the XX/XX/XXXX that the 2nd payment at end of XX/XX/XXXX but for XX/XX/XXXX did not get credited and I wanted this fixed immediately. After several long holds I was told that the " people he had to talk to '' had ok 'd taking the extra charges off my account, that he could not send me an email confirming this, but I would either get an automatic email or a paper statement showing a XXXX balance. I have today received an alert from XXXX telling me I have a delinquency on my credit report. XXXX uses XXXX and my credit report on XXXX website does show the account as delinquent - and in fact their entire record of my payments are incorrect. I filed an online investigation with XXXX and am faxing them my bank statements. I also wrote a letter to XXXX, CEO of Synchrony - but at the time I thought the issued had been resolved per XXXX. I have a feeling they use what I would call " fuzzy accounting '' - not crediting a payment because 2 payments arrived in the same month is ridiculous - I believe they are trying to get more money out of fully paid accounts - and their customer service people obviously lie about clearing up issues. I have an excellent credit rating & they have now defamed my financial history - I have not yet checked the other credit reporting agencies, but this is probably also on those records
I cancelled PMI premiums with PNC in XXXX. I previously filed complaint XXXX due to excessive delays in processing my request to cancel PMI premiums. This is not a duplicate complaint, although it is related. PNC delayed processing and continued charging premiums. The representative who contacted me regarding my complaint alleged that I would be refunded for the premiums they continued to charge. 

I mailed PNC a request to cancel PMI on XX/XX/XXXX, notifying them that I would be below 80 % LTV by XX/XX/XXXX. I called numerous times and received no response other than " we are submitting a request. '' On XX/XX/XXXX, 13 days after my balance became below 80 % LTV, I filed a complaint with the CFPB due to a lack of response. On XX/XX/XXXX, PNC mailed a response to me, asking for {$500.00} for an appraisal. On XX/XX/XXXX, a PNC representative finally contacted me by telephone. She forwarded me an electronic copy of the letter which had been mailed XX/XX/XXXX. I sent a check for {$500.00} by overnight mail which was received by PNC on XX/XX/XXXX. 

PNC cashed my check on XX/XX/XXXX. PNC then waited 15 days after cashing my check and mailed a response to me postmarked on XX/XX/XXXX asking for {$60.00} more for an appraisal. PNC received my check by certified mail on XX/XX/XXXX. 

On XX/XX/XXXX, 39 days after I reached the 80 % LTV mark, PNC charged me an additional premium of {$74.00} as part of my monthly mortgage payment. 

PNC routinely waited 13-15 days to respond to any communication, and continued charging me premiums. 

PNC finally arranged for an appraisal on XX/XX/XXXX, 56 days after I mailed my original request to cancel PMI. The appraisal sufficiently proved that my property has not declined in value. 

PNC withdrew a monthly payment of {$74.00} from my escrow account on XX/XX/XXXX and then withdrew an additional payment of {$74.00} from my escrow account on XX/XX/XXXX. 

On XX/XX/XXXX, PNC mailed me a " refund '' of {$42.00}, despite the fact that they charged my {$74.00} on XX/XX/XXXX and withdrew two monthly payments from my escrow account on XX/XX/XXXX and XX/XX/XXXX. 

I am therefore seeking the full refund for PMI premiums that PNC took from my escrow account in XXXX which is {$140.00} minus the partial refund of {$42.00}, per the terms of the Homeowners Protection Act and the terms of my mortgage.
They have contacted members of my family on their cells phones. No idea who they even got those numbers which mean they are paying to use some type of investigative service when they had my number. they should not be calling family members.
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX/XXXX XXXX with a balance of $ 2000+ is fraudulent and I wish to have it removed. 



XXXX XXXX ( XXXX ) XXXX
I have a checking account with regions bank and a unauthorised person took {$800.00} out of my account with out my permission. I still have my debit card in my possession and I never give anyone my info so I do n't know how this person took money out of my account. Both withdraws was taken out at a atm. I noticed the next day and immediately called my bank and filed a fraud report along with a claim. I called the bank a week later learning that they denied my claim because the transaction happened in the same state and because they knew my pin. I told them I still have my debit and can prove I was at work at the time the money was stolen. The bank never credited Me back my money. This was all the money I had and I need help getting it back.
XX/XX/2014 I MOVED TO XXXX, XXXX AND RENTED AN APARTMENT FROM XXXX XXXX ( XXXX XXXX ), I TRANSFERRED ONE OF THEIR SISTER PROPERTIES THAT IS LOCATED IN XXXX, XXXX XXXX XXXX XXXX. I WAS TOLD THAT I COULD TRANSFER THE REMAINDER OF MY LEASE. I TRANSFERRED TO XXXX XXXX IN XX/XX/2014, I WAS RELOCATED BECAUSE OF MY JOB WHICH I GAVE PROPER NOTICE TO XXXX XXXX AND CALLED TO VERIFY RECEIPT OF NOTICE TO VACATE PREMISES IN 60 DAYS. I WAS CHARGED FOR ITEMS THAT WERE NOT FIXED IN THE APARTMENT AND FOR A WATER LEAK THAT THE APARTMENT WAS AWARE AS I NOTIFIED THE OFFICE MANAGER AFTER THE WATER BURNED MY SON. ONE YEAR LATER LIVING IN XXXX, XXXX I RECEIVED A BILL THAT I WAS CHARGED OVER {$2000.00} FOR FEES, ETC.
XXXX pulled a hard credit inquiry with out my permission on XXXX XXXX, 2015 as reported on my Equifax credit report. This need to be immediately removed. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
I became XXXX XX/XX/2015, Been on total XXXX and receiving Social Security. 
I applied for student loan forgiveness and submitted all supporting documents sent by the Federal Student Loan Forgiveness to Navient ( my student loan holder ). 
My application was received and accepted by Navient and received notifactions from them that my sudent loan was dismissed in total due to my XXXX. Navient still has not removed this from mum credit which has effected my credit score negatively. 
My student loan was accepted and approved through the Federal Student Aid/Student. Loan Forgiveness Program. Navient also notified me my application was approved, would be dismissed and removed from my credit report.
In XX/XX/XXXX I cancelled my XXXX XXXX XXXX XXXX membership for medical reasons. For unknown reasons XXXX XXXX   XXXX XXXX kept my name in the system and did not cancel the membership as per my request. I spoke with XXXX directly when I went in to cancel the membership. XXXX was the manager in charge on that day. XXXX is committing Fraud by keep my name and my membership active when I specifically went in and spoke to the manager XXXX to have it cancelled. I was in total disbelief when I received a collection letter from an account that was kept fraudulent by XXXX XXXX XXXX XXXX. If this is their practice they should be shut down. The collection agency XXXX XXXX XXXX need to provide a validity of this debt, which can not upload because I directly went in to cancel.
I have been on automatic payments with my Bank of America credit card and then all of a sudden, I get reported as 30 days late on my credit report and got a phone call from a customer service rep. There is no way. My payments were coming out on auto pay so how was I 30 days late. Then I made a payment and they lowered my credit limit to {$2300.00}. I just paid another {$1200.00} on my credit card too. I was doing everything I could to be responsible and make on time payments. Now I feel like I just keep getting punished. I was reported as late after I thought it was on auto pay and then my credit limit gets lowered.
I applied for a RV loan with my bank ; which is USBANK, in the month of XX/XX/2018. I applied for the loan and was told that my credit score was too low based on an error reported to the credit bureau from my USBANK visa. I have had this card for several years. I disagreed with this and made a formal complaint. The problem with my credit was that my VISA from USBANK sent to the credit bureau, that I had missed several payments and that I has several late payments. This information is incorrect. I located all of the information needed to prove my case. I brought the information to the bank as well as made a formal complaint with the credit bureau. I followed up with the bank and was then sent to the branch manager, with in a few days of the original loan application. Who stated he can clearly see there is some sort of issue. He then told me that he would handle this problem for me by going through the under writers and trying to get the credit card, again this credit card was issued from USBANK. To verify that there was a mistake. That I should get the loan as I am only asking for {$50000.00}. My debt to income ratio is under 40 % and I was asking for a 15 year fixed mortgage. We ( the first banker and I ) calculated the payments which would be less than $ XXXXfornd that my APR was roughly 6.5 % a month. Everything seemed to be working out until they realized that my income comes from my being XXXX XXXX. I was then informed that I could not get a co-signer as my credit was below XXXX and that both customers on the loan would have to have a credit score of XXXX. My credit score is 6?? at this point even with the error on my credit report. I am in limbo still the bank has not formally told me no nor have the said yes.
I went to a puppy shop bought a XXXX  XXXX and was told everything was ok with the dog I advise after the vet came to my home from there shop the dog was acting funny and it wouldn't eat and was basically laying around not full of energy. So I took the dog to the vet they advise they would need to do a serious of test that would cost me over a {$1000.00}. 
I than went the animal care and control to have the puppy look at and they gave a shot of antibiotic to see if that would help I than paid for blood work for {$280.00} the vet advise I should take o dog back I call them while there and they said you only have 2 days to return the dog. That is not a enough time to see if a puppy would get sick and die. After the puppy was found laying outside of the cage with light breathing I was force to take him to XXXX XXXX for cremations me and my XXXX old daughter was devastated from all this with a puppy that was apart our family. I than began getting phone calls from a gentleman about making payments I advise I never got a call back from this puppy place and now you want me to pay with a 30 % interest rate maybe more so I told him if he send something writing to accept {$1000.00} I would pay it and be done never herd from again. One evening starting getting calls from this guy again when I told him in writing cease all calls he went to calling from different numbers saying I'm calling them which was false I want to make complaint and investigation on this company as well as the 3 Credit bureaus for not given me proof to validate this date with a contract and payments that were paid into this account and why are the credit bureaus still reporting late payment when the account is charge off. See below for amount and date open. 

Complaint against XXXX and XXXX and Duvera Billing services , LLC 413 Your Easy Pay Finance Statement is Available XXXX via XXXX Mon, XX/XX/2017, XXXX XXXX Accont Number.. 
Merchant Name.XXXX XXXX Payment Amount : {$240.00} Payment Date : XX/XX/2017 Date of First Payment : XX/XX/2017 Monthly Payment Amount : {$240.00} Term : 24 {$4800.00} Total Charge off Date open XX/XX/2017
I have repeatedly dispute and asked for verification verifying the validity of a account XXXX XXXX is reporting in my credit about an account original belonging to XXXX. I have NEVER had any account or did any business with XXXX. I asked for documents with signatures or proof this account belongs to me but have never received anything.
A representative from AR Resources contacted me sometime in XXXX and stated that they were trying to collect a debt of a hospital bill. They never provided account information they just stated the amount and immediately asked for account information to secure payments. I informed rep that I was currently at work and could n't even discuss a payment arrangement or any other info, she stated she will call me back at a later time. Two weeks later with never receiving a statement or bill from them stating the debt which I never received previously from the call, they placed bill to my credit. I spoke to lady several other times after asking why they did this when they never even gave me the opportunity to look at a bill or discuss payment arrangement outside of work and she had no reply.
My name and my father have the same name and our social security numbers are off by XXXX digit. My father had an account with XXXX that went to collections. I currently have a XXXX account that is in good standing and always has a credit going into the next month. I disputed the debt to have it removed from my credit reports. Pinnacle ( after removing from credit reports ) sold the debt to XXXX and they are going to report it. When Pinnacle sold the account they did n't sell the entire record showing the disputes from me. I called Resurgent to see what I needed to do, they asked for my name and social security number, I provided both, they said " ok, we will associate this name and social security number with this account now. '' I have no idea what to do or how to make this stop. XXXX told me they could just keep selling the debt and they do not have to provide full records so we could keep having this issue in the future. They also told us our only option was to file a police report for identity theft. We called XXXX - XXXX does n't have this past due account associated with my social security number in any way. XXXX says when they sold the account to Pinnacle they used the social security number for my father. So he did n't steal my identity Pinnacle and XXXX just used my information.
XXXX XXXX {$3400.00} XXXX XXXX XXXX   {$990.00} I have called credit bureaus which did not help much.
I had past due child support put on my credit file in 1996 in the amount of {$60000.00}. That amount has grown to {$130000.00}. I have not made payments on it. The Illinois Dept. of Healthcar contines to move the activity date forward ( and has for 20 years ) to the present month to assure that this never falls off my credit file. 

The Fair Credit Reporting Act provides that an item must drop from the file 7 years from the first date of delinquency preceding the charge off ... that means this item is 14 years past its obsolescence date and clearly out of compliance with federal law. 

I disputed this and Trans Union left it on my file.
In XX/XX/2017 I closed a contract agreement with the Illinois ( XXXX ) in conjunction with XXXX   XXXX XXXX XXXX ( XXXX ). XXXX would pay Statebridge ( SB ) {$19000.00} to bring my mortgage account current, and make monthly mortgage payments to my account for 12 months. During this period SB has charged fees to my account for late pays, foreclosure fees and sent adverse information to the credit bureau, which violates their agreement with XXXX and me. ( see attached paperwork ) SB has recently threatened me with foreclosure even though they have been paid on time by XXXX. Because of the fraudulent information on my credit report I can not refinance etc. SB practices burying money upon receipt and post on account whenever they feel like it, usually after the 15 day mortgage payment grace period. XXXX and I have been told while talking by phone with SB, that it may take up to 45 days for payments to post. ( Rather convenient since all mortgage payments are due no later than the XXXX of each month. )
I made all the payments on my 20 year loan. Now Ditech says I owe them another $ XXXX in service fees. Ditech can not provide an itemized list for the service fees.
Paypal Credit charged me {$6.00} in 2014 and I just got a letter from a collection agency for a bill of {$61.00}. I had never applied for Pay pal credit. I called Paypal and they could not even provide me with the information that I did use the service. They said I probably hit the wrong button by mistake.
There was not a selection above that truly fit my complaint. I was referred to XXXX XXXX lawfirm by XXXX. They told me that my account had not been sent to a 3rd party but that was a lie. This is a collection agency. I called their office at XXXX and spoke with XXXX. I asked her my balance and advised her that I wanted to set up a payment arrangement. She begins asking me very personal and invasive questions. Such as how much I make and who I pay my car payment to, and what the year make and model of my car are. I asked her why she needed this info she then tells me its so they can collect on the account. she never gave the intro of " this is an attempt to collect a debt .... '' and when i refused to answer her questions that I felt were invasive she refused to work out a payment arrangement with me. I asked straight up if she was refusing my offer to make payments. She straight up said yes. I disconnected the call at that time. I do not feel they need to know such personal information to set up a payment arrangement. I work in collections also and we would get into trouble for asking questions like that.
Last month I had sent in an application for a wells fargo credit card. I was denied and received a letter with the reasoning " too many recently opened accounts '' with a credit score. I called Wells Fargo to discuss the situation and all the told me and would discuss is what the paper said. and told me to talk to XXXX. I have since recently requested from XXXX a Credit Report and spent over 30 minutes on the phone and could not get someone to answer. A credit report was requested and is supposed to arrive in 4 to 6 business days. I am XXXX years old and have never missed a payment and have a credit score of XXXX according to XXXX. I have no negative marks on my report ( to my knowledge ) and am in good standing at every financial institution I am associated with. I feel there has been a mistake made.
I am disputing the Conn 's tradeline for two of my accounts. This company has re-aged this account according to the correct DOFD from the credit reporting agencies.