WillisBack/dataset-financial-user-claim huggingface dataset:
Note that this complaint is actually about the loan servicer XXXX XXXX ( XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, NJ XXXX ) which is servicing the Loan for SecutiryNational Mortgage Company. 

I was on a federal declared disaster area forbearance plan related to Hurricane Harvey for 5 XXXX XXXX loans. These loans did not originally have escrow accounts and have never had an escrow account associated with them. I have records to prove that the insurance, taxes and HOA fees have always been paid on time. When we started the trial period there was no mention of adding an escrow account to the loans. In addition, the trial period payments did not include funds for escrow. Escrow accounts were then added to the loan at some point during the trial period without any notification. I have since brought all loans current and requested that the escrow accounts be removed from the mortgage accounts. XXXX XXXX owns the loans and requires that the borrower be notified during the trial period that an escrow account will be added and that the escrow amount be included in the trial payments. XXXX violated XXXX XXXX   rules in servicing these loans by not notifying the borrower and by not adding the escrow amounts to the trial period payments. I have also contacted XXXX XXXX and they confirmed the violation and they are starting a claim with XXXX regarding these loans. Despite several phone calls and sending in the required documents XXXX is continuing to add escrow requirements to the loans.
I went to Kay Jeweler to look at watches. The employee asked if I would like to see how much I qualify for. I asked if it would show up on my credit score. I was told NO, so i proceeded. Two weeks later I receive a letter in the mail containing a credit card from Kay Jewelers. This is in no way what I was told would happen. The employees at this store are liars.
I am filing this on behalf of my mother who is in XXXX. Barclays Juniper had an open charge account in her name. XX/XX/XXXX they initially reported suspicious activity to me on her account via e-mail. I immediately reported it as fraudulent per their electronic website. In XX/XX/XXXX they sent a statement showing the fraudulent balance, requesting payment. This time I sent them a letter requesting they remove the charges. In XX/XX/XXXX they again sent me notice of suspicious activity. This third time I called their security number and once again reported it as fraud. I was ultimately hung up on by their agent without letting me finish what I was saying. After that I sent them a certified letter informing them to close the account immediately and that any repeated attempts to collect the disputed amounts would be referred to authorities. On XXXX XXXX they once again sent a form letter indicating the amount of {$260.00} is due and providing the methods that the amount can be paid. We have notified them four times and they refuse to remove the amount and keep requesting payment. We have done everything in our power to resolve this with the company but continue to be unsuccessful so we are forwarding this to you as an official complaint. Thank you for your help.
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
InXX/XX/2017 XXXX XXXX came to our home every 2 weeks to demand money. 
Finally, we surrendered the vehicle in XX/XX/XXXX. We never were notified of sale of vehicle, or the amount they sold it for. The only notice we received was an amount they put on our credit reports. 
When we tried to obtain verification and validation of the collection amount, XXXX sold the debt to a debt collector. They violated my rights as a consumer by 1. Sending thugs to my home every 2 weeks. 2. Never notifying if any kind of the sale of the vehicle.
On or about XXXX XXXX, 2016 I contacted the Transunion CRA requesting verifiable information of several negative events that are being reported on my credit file with this organization. The CRA never addressed my concerns in the letter and I would like these items deleted from my file immediately. The CRA are violating my rights pursuant to " 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. '' Please see attached correspondence from XXXX/XXXX/2016.
On XXXX/XXXX/XXXX at XXXX XXXX Contacted AMEX BLUE BIRD the call was outsourced to XXXX XXXX the XXXX fellow instructed me on what to do. I did as told and XXXX gave me online confirmation order # XXXX I was told by XXXX fellow I would received deposits within a day or so to the Bank account I gave him. On XXXX AMEX made XXXX deposits # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX Days later I deposited. I opened XXXX sub accounts and deposited over {$2000.00} dollars days later The Bank account was tampered with for abut the same money. On XXXX/XXXX/XXXX AMEX refused to allow me to take my money. They send e-mail to XXXXXXXXXXXX with my Social Security and Pay stubs via fax to XXXX. I send the data requested and waited for my money but it was never send every time I called thereafter they would tell me then send the money to US government. They never provided a government agency phone, name and or address. I recently called AMEX BLUE BIRD a staff answered in XXXX XXXX ask for my name and account number # XXXX XXXX security code XXXX exp XXXX. The Fellow said account was suspended by security but I can opened same. I said I want my money back. He said that was the fastest t way to get my money back. He placed me on whole while waiting I XXXX/research similar issues with AMEX. The stories on line were all the same AMEX keeping people money and the outsourcing country XXXX and XXXX were accused of tampering and
Capital one makes many mistakes with my mortgage and refuse to explain their mistakes. When the consumer does find their mistake capital one refuses to correct it1/ On XXXX/XXXX/2015 balance was {$800.00}, XXXX yet despite receiving a full payment on XXXX/XXXX/2015 my balance increased to {$810000.00} by XXXX/XXXX/2015. see statements attached2/ Despite making the payments each month and capital one receiving a payment on XX/XX/2015 that was approximately one thousand dollars more than the required payment on XXXX/XXXX/2015 I was charged a late fee of {$180.00} which capital one has fraudulently refused to remove. This " fee '' was assessed a few weeks after a complaint to the CFPB against cap XXXX on a different issue. Is this how they retaliate
I took out a reverse mortgage in XXXX and everything was going well until I was unable to pay my property taxes. Wells Fargo paid my XXXX property taxes in the amount of {$710.00} ( I rounded the amount to the nearest dollar ). I received a letter two months ago stating I have 180 days to pay back the money or they are going to foreclose and put me out of my home. I am XXXX and in a lot of debt because my bills are greater than my income. I ad XXXX. I am widowed since XXXX. Please tell me what can I do to keep my home I have lived in since XXXX. Just please help me keep my home! Thank you. 
XXXX XXXX XXXX
what they fail to tell you that i dont want the items i told them i want to return it 3 times b/c they didnt give me a all connect media that makes the TV usless cra violation and hung up on me b/c i wanted to return it 5 times
Somehow My father accidentally added me as an authorized user on his credit card at  XXXX   XXXX . I was never and have never been involved with his  XXXX  account and never had anything to do with it. I never signed anything or was asked if I desired to be added to the account. I have since had myself removed from the account but it still effected my score. It shows a drop from the  XXXX  's down into the  XXXX  's and has affected my ability to get an addiquit house loan.  XXXX  removed me from the account but my credit report still shows that I was responsible for the account for some period of time. I need this to be removed from my credit report entirely because like I said I never authorized any such thing and I feel like whoever processed this without my permission has done something entirely illegal. What would keep me from walking into a  XXXX  and telling them that I want to add  XXXX   XXXX  as an authorized user on my account and affecting her  credit score . It just does n't make any sense. I know this was a misunderstanding and my father never intended to add me so that is n't the issue, it 's just my credit report that is the problem.  XXXX   XXXX  has done what they can and removed me from the account, I just do n't know how to make the credit report agencies understand that I was not ever involved at all
Green tree demands that I pay XXXX XXXX to get my payment to them every month.
My Bluebird American Express account has been hacked and {$450.00} was stolen from me in an unauthorized money transfer. 
On XX/XX/18 at XXXX I received my paycheck via direct deposit on my Bluebrd American Express card. 
At XXXX XXXX XXXX requested {$450.00} from me. The email stated that I log into my Bluebird account to respond to this request. 
At XXXX ( less than a minute later ) a second email came, confirming that I sent {$450.00} to XXXX XXXX abd that the funds have been deducted from my account. 
I work for the XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX. At the time of the deposit and subsequent transactions, I was with a client in my office and knew nothing of the deposit or transfer, until my money was already gone. 
I immediately called Bluebird, to file a fraud charge. At XXXX after getting off the phone with the representative and updating my password and ordering a new card, I received an email, confirming the changes. 
On XX/XX/18 my dispute was denied. Stating no error occured and the transaction in question was authorized. Therefore my account is not eligible for the {$450.00} to be credited back to my account. 
I then immediately on receipt of that email, again called Bluebird American Express and filed another fraud dispute AND then went to the XXXX County TN Sheriff 's Department and filed a police report. 
I want to state for the record, that I DO NOT know XXXX XXXX AND that I did not authorize this transaction. The {$450.00} was my entire paycheck and it was my mortgage payment. 
On XX/XX/18 at XXXX, my dispute was again denied with the same reply, that no error occured and that the trasaction was authorized. I called Bluebird American Express to question this decision, telling them that my account had been hacked and the investigations team, should have been able to access IP addresses from MY Bluebird online  activity and the money transfer request and approval and verify that it was NOT my IP address that approved the transaction. 
Then on XX/XX/18 at XXXX my account was suspended, stating that due to a violation my account has been locked and my account privileges have been suspended. 
I have enclosed ALL emails received from Bluebird American Express along with the police report from the XXXX County Sheriff 's Department. 
Having {$450.00} stolen from me, has not only put me behind in my bills, it has caused me tremendous stress and undue emotional pain & suffering. 
Thank you for any and all help in this matter.
I contacted Transunion about Hard Inquiries that were on my credit report that I did not authorize. I did not approve of these companies to pull my credit report or get my credit score. I have been a victim of inquiry issues. Due to all these Hard Inquiries on my report I am suffering horribly as each on counts against me and I am trying to purchase a home. The list is lengthy however these are all on my credit report that don't belong : XXXX XXXX/ XXXX My name is XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Wi XXXX XXXX/XXXX XXXX  XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX DE XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Ut XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Wi XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX , ND XXXX XXXX XX/XX/XXXX XXXX XXXX PA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX MD XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XXXX NY XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XXXX FL XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX
I have made several requests for Transunion to verify information they are reporting on my behalf to others on my report. In my written requests for this information I requested them to send me a copy of the information they used to verify the information they are reporting is valid. I requested contact information be sent to me for all debt they have indicated is valid. I ask to have the info verified or removed. Transunion has failed to properly verify the info or its accuracy and provide me with the documents they have used to verify the debt but have sent me responses saying they have verified the debt and it is valid. I sent them several requests in writing in regards to the accounts I will list below. I sent the request both online as well as via mail on the following dates XX/XX/2018, XX/XX/2018, and XX/XX/18. The accounts I am listing are either reporting incorrectly or they DO NOT BELONG to me at all. I have requested them to properly report information on my credit report but they have failed to do so and have refused to do so which is a direct violation of my rights. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kentucky XXXX XXXX XXXX XXXX XXXX Bankruptcy Court XXXX XXXX
Harassing collections practices. They 're contacting family members and someone claiming to be a locator is stating that they will come to my house to collect and my place of employment. I 've expressed my desire that all collection attempts be handled via mail and in writing and they 've refused.
Thought charge was fraudulent turned out it was n't. Bank charged back merchants account. I paid merchant again w different card. Reported charge good. They charged card again. Said would refund card in two weeks. Never did. Dragged out dispute. Finally asked for documentation that paid with another card.Sent to them. They now say it came after time in which case was open. Closed case, wo n't refund money even though its legitimately mine.
After leasing a vehicle from Toyota, I traded the leased vehicle for another vehicle again purchased from Toyota. As part of the negotiations, the sales person agreed to handle all costs related to the return of the leased vehicle, and took ownership of the vehicle during the purchase process. I was promised that no further charges would be incurred from the leased vehicle, and had no control of the vehicle after it was traded in for the new vehicle. Almost a year after the purchase, I received a call from a debt collector for additional charges, for approximately {$400.00}, claiming to represent Toyota. After contacting the sales person regarding the agreement we had made, he claims that all charges were completed. He has washed his hands of the matter, suggesting I contact the debt collector. After no contact for nearly a year, suddenly Toyota Financial claims I owe them this debt, and has turned the matter over to a collection agency. I assume they are damaging my credit rating. I have completed my part in the purchase agreement, in fact overpaying for the vehicle I received, but the Toyota dealership and Toyota Financial are colluding to extort additional funds from me with threats to damage my credit rating as they hide behind a third party, who now also seems to claim rights to my property.
US BANK has a collection on my XXXX credit report stating that I owe them. I have communicated to them that this debt belongs to my ex husband and not me. I have never had the vehicle, when I went to divorce court the judge signed that this debt belong to husband. I have also communicated this information with this company. This debt does not belong to me
I became in contact with th fraud Dept of TOTAL CARD VISA, becoming aware of various charges from a company named XXXX that I had never heard of. The rep told me that this company was well versed in fraud and the fraud dept deal with them often so I was not to worry. I needed to contact XXXX and ask for money, ( which I did and they all but laughed at me saying its your cc companies job we dont give money back to people. ), then I was to and fill out and return an affidavit to total visa so it could be fixed. Which was all completed ( by XX/XX/2018 ) before I had a few ( 3 ) month stintt in hospital. For whatever reason I found out today that the afadavit was not what total wanted and I needed to fill a new one out, and this new one was sent to me while I was in hospital in XXXX. I also emailed cc company I firming them of my status. When I called today asking why I was never given any credit or reversals for the fraud I was informed of new affidavit and that I could t do anything now bc 60 days had passed .... but I did it within week first time and they want new after I inform them of my situation and following deadline to make this tight passes while Im hospitalized? It almost feels like their is major collusion here especially whe. Everyone st the cc co knows this XXXX company is a huge scam artist of a company. All charges attempted by this XXXX company happened in the same day. Also I did not and have not used this Acct since bc they cancelled card and I was waiting to endure no more fraud remained. Company charged me {$38.00} late fees and an annual fee of {$48.00} even with knowledge of balance. What dequd related and after I made payments and stats intention to have cars frozen so it would not accrue charged and would give me chance to pay off. 

These are the transactions from XXXX. 
XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX   ONLINE NY XXXX XX/XX/2018 XXXX ONLINE NY XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX   XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX   XXXX
unlawful unfair abusive tactics to collect a consumer debt in iaw the [ fdcpa ] the are using legal jargon saying they need me to call back immediately to give tracing and location info to serve civil notice about some kind of litigation they have that never happened creating a false sense of urgency.they called my brother and told him all the details about my loan and ask him could he pay something on the loan.also, on XX/XX/2017 I received a recorded message about some reference number at XXXX at night waking up every one at home.i sent them a cease communication letter in XX/XX/XXXX but they just ignore it.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I sent money through Western Union. It has been over XXXX weeks and money is n't there. WU has simply not helped track the money and keep saying that money has been transferred to the bank, which bank denies. I have now spent number of hours trying to solve this and WU has not offered any resolution and keeps delaying the matter.
M y credit score is affected by " the number of delinquent accounts '' which does n't make any sense to me. I do n't remember having a late payment in recent history. In fact, my FICO repo rt shows that I 've made 100 % of my payments on time in the last 24 months.
I have a few listings on my credit report that never happened. I have never heard of XXXX XXXX. I am not sure why are they coming on up my credit score saying I owe them money.. It states as of XX/XX/XXXX I owe them {$590.00} and {$260.00}. The listing for {$590.00} is dated for XX/XX/XXXX. The listing for {$260.00} is dated for XX/XX/XXXX. As i stated earlier in this complaint, I have never heard of this company so I am confused as to how is it that I owe them any money. They have never tried to contact me via mail, email, or telephone. I have read some reviews which states that this company is fraud. I would like this to be looked into. Also is there anyway possible for me to get a validation letter of everything listed on my credit report, because everything listed on my credit report are all from companies in which I have never heard of or recieved anything from.. I have two from listings from XXXX XXXX which are {$2000.00} and {$660.00}. The {$2000.00} listing date is from XX/XX/XXXX and the {$660.00} listing date is XX/XX/XXXX. I have never heard of them before. Lastly, I have a listing from XXXX XXXX XXXX for {$380.00} and the date is XX/XX/XXXX..
I have tried twenty times to get my free report from Equifax. They keep saying I am giving them the wrong information even though i absolutely am not. They are trying to get me to pay for the report instead of having to give it to me for free.