WillisBack/dataset-financial-user-claim huggingface dataset:
my name is XXXX XXXX XXXX : NOT XXXX RECEIVED LETTER FROM YOU XX/XX/XXXX WHATIS ITGOING TO TAKE YOU PEOPLE TO UNSTAND I DO NOT OWE XX/XX/XXXX PAYMENT IF SOME ONE WOULD LOOK AT THE NOTE THEIR IS ONE SAID I HAD PAYED A EXTRA PAYMENT NONE DUE IN XXXX. I SPOKE TO A LADY WHO CONFIRMED IT WAS NOT DUE, JUST GOT ANOTHER LETTER TODAY RE : HAMP-HOME INSURANCE I RECEIVED A LETTER FROM BAYVIEW SAYING INSURANCE GOING UP AND IF I WANT TO DISPUT IT SEND A LETTER I DID ON XX/XX/XXXX-HAS MY ACCOUNT # -STICKER WITH MY NAME ON IT-WHY CA N'T YOUR DPT DO YOUR JOB AND TAKE CARE OF THE PEOPLE WHO PAY THE PAYMENTS : ALSO THE BAYVIEW CALLS ME ON XX/XX/XXXX SAYING NEVER RECEIVED SEVERAL PAYMENT NOT TRUE I HAVE PROVIT MONEY ORDER THEY WERE CASHED ASK THEM TO CHECK IT OUT ALSO WHY WOULD I DAMAGE THE MODIFACTION THAT TOOK 2YRS TO GET EVERY SENCE XXXX TOOK OVER IT TAKE 4DYS TO GET TO THEIR BANK WHICH I HAVE PROVE ALSO BUT THEY SAY AFTER IT GET TO A BANK THEN THEY WAIT ON THEIR CHECK WHICH MAKES NO SENCE WHEN I SEND MONEY TO FLORIDA IT ONLY TOOK 3DYS NO PROLEMS DO YOU AND BAYVIEW LIKE SEEING PEOPLE LIKE ME WHO WORKS HARD TO KEEP BILLS ON TRACK AND NEVER LATE DONOT CARE WHAT THEY SAY DO YOUR JOB AND MAKE THEM FIX IT I HOPE SOME DAY THE GOVEMENT FINES YOUR COMPANY FOR NOT TAKEING CARE OF THE PEOPLE YOU COMPLAINTING ABOUT.BAYVIEW LOAN IS-XXXX-IF I DO NOT GET ANY WERE WITH YOUR COMPANY I WILL TRY HIGHER UP WITH XXXX XXXX OFFICE -OR ON TV/RADIO I AM NOT JOKING.PLEASE HELP ALL I AM ASKING THAT YOU DO YOUR JOB.
Client filed bankruptcy in XXXX. A Home Equity Line of Credit was sold from ING to Capital One 360 after the bankruptcy. Since that time, the borrowers reinstated the loan with MAP funds through the NYS AG 's office and XXXX. It was confirmed via email on XXXX/XXXX/XXXX via ( attached email ) with XXXX XXXX at the XXXX that the payment after reinstatement would be $ XXXX/per month. In a conversation on XXXX/XXXX/XXXX, after reinstatement funds were sent to Capital One 360, it was confirmed that the loan was current, but the payment would be {$160.00} each month, contrary to what we were told prior to reinstatement. On XXXX/XXXX/XXXX, the borrower contacted Capital One 360 to simply request a mortgage statement each month showing payments made and principal reducing with payments, as the borrowers have not received consistent statements since the transfer. The representative first said that the loan was still in Foreclosure and not current, but rescinded that comment. They also stated that, because of the bankruptcy, they can not " guarantee '' monthly statements will be sent to the borrower.
Plaza Services is currently adversely reporting on my XXXX credit report. According to the correspondence received from them the original creditor is XXXX XXXX XXXX. I do not know this company nor how I could possibly owe them money. I do my business at the bank as I have for many, many years. I have asked them twice to validate the debt by showing proof of how I owe it. And a contract with my signature among other information that would help me validate the date. Each time they send me a new bill with my name and an amount stating they purchased the {$310.00} debt from XXXX XXXX XXXX. I can not keep going round and round with them to no avail. 

I have also requested information from XXXX asking what methods they used to validate that the debt is actually mine before negatively reporting it. In response, I get a generic " verified '' and that is just not sufficient. I have no problem paying debts I owe. But I can not and will not just have someone mail me something and say in essence, " pay this '' and I just do it. My personal finances are not set up that way.
On XX/XX/2017 I rented a car in XX/XX/XXXX, XX/XX/XXXX.

When I went to charge gas, they charged with a different fuel ( diesel instead of regular gas ). It was in XX/XX/XXXX, there was a language barrier.

The car stop working a few miles after I left the gas station in the middle of a freeway, it was night time.

The police towed me off the freeway, the car rental took the car in a truck, and my family and I were left in the middle of who knows where in a gas station in the south of XX/XX/XXXX. I called the credit card, they said they will send help, but a truck came took the car and say bye. We took a taxi to a hotel and the next morning as I needed to return to car that day just after the inconvenience, as they already had the car we continue with our vacation trip. They charge me XX/XX/XXXXFrancs {$1200.00} extra in the car rental. When I submitted a claim to my credit card, not until a year later they told me that was not covered, only body work. Is that true? If the car stop working for charging the wrong fuel and left me in the middle of nowhere, am I on my own? To note is that it wasn't intentional, I just ask to fill the tank and I was charge the wrong fuel. I di n't know this until the car rental told me.
I closed on a mortgage loan with Firstrust Bank on XX/XX/2016. The Closing Disclosure issued on XX/XX/2016 and signed at closing on XX/XX/XXXX provided an estimated total monthly payment including taxes, insurance and assessments of {$2600.00}. In accordance with the loan agreement, I paid this amount on time in XX/XX/XXXX. On XX/XX/2016, forty-eight days after closing, Firstrust sent a revised disclosure, back-dated to XX/XX/2016, to me via express mail, demanding that I sign and return immediately. The new disclosure notes that payment is now {$3400.00} per month -- an increase of {$850.00}, or 32.3 % higher than the signed CD. The difference is a massive under-estimation of the real estate taxes, which the bank -- after I called them to inquire -- blames on the title company. I signed the original CD and am making the payments in full faith, after a grueling application process in which I supplied approximately XXXX different documents -- including a final document that Firstrust deemed critical, even though it required me to travel to XXXX to obtain directly from a bank I used there for a small retirement fund provided by my former employer. Firstrust insisted that they needed proof of the small deposit into my checking account that resulted from my liquidation of this retirement fund at my repatriation to the United States. I paid dearly for the loan application in time and expense, but even though Firstrust made a serious error on the CD, they refuse to bear responsibility or cost and insist that I sign the back-dated CD so they can sell the loan. 

My family and I based our monthly budget around the payment in the loan closing disclosure and have faithfully made payments under the agreed-upon terms. In addition to the extra {$850.00} monthly, our closing costs show an unexplained increase of {$2500.00}. Had these numbers been properly disclosed prior to the closing of the loan, my family and I would have made material changes in our household budget to accommodate the additional expense. To insist now that we bear the burden of their error is grossly negligent.
XXXX XXXX XXXX is attempting to collect on a debt and Negatively affecting my credit for a debt that they failed to validate by providing improper documentations from XXXX. 
I found a collection account on my credit report by XXXX XXXX XXXX ( CCS ). I disputed the debt with them and they mailed a summary final statement from XXXX. My initial dispute letter to CCS detailed that this was not a debt that I owe and I requested detailed validation to include the automobile ( s ) and policy period for which they provided coverage. CCS did not comply with my request. A simple letter from XXXX just stating the balance owed without identifying the Vehicle ( s ) covered and not including the coverage period is not sufficient to prove that this is legitimate. I sent a second letter to XXXX and they failed to respond to me. I also mailed a letter directly requesting this information and again XXXX failed to respond. It's been about 4 months now and CCS still has this on my credit report. 
I want this DELETED from my credit report, I want proper documentation to support this debt and the opportunity to investigate it and respond accordingly.
Earlier today I saw on XXXX that someone was selling tickets to the XXXX vs. XXXX game in XXXX tomorrow ( XX/XX/XXXX ). I contacted the seller via text message. He was selling the tickets for {$110.00} each, and I wanted 2. So I paid him {$230.00} through XXXX, an application that is backed by my bank, XXXX XXXX XXXX ( so logically, I thought this company was trustworthy ). I sent him the payment through XXXX and let him know. I never heard from him again and never got the tickets. He provided his name, XXXX XXXX, and email, XXXX, which I do not know if it is legit. I also have his phone number, XXXX. I figured if he used this name and email address on XXXX that XXXX would be able to track him down and stop the money from being transferred into his account ( and before he was able to close the account ). I tried contacting XXXX via the contact page on their website and didn't receive a prompt response to fix this issue. I also tried calling the number listed on their website. They provided no option to help resolve this issue and no option to let me speak to a representative. All I wanted was to stop this money from being posted to his account and out of mine. I do not have {$230.00} to spare. I am a recent XXXX XXXX  with very little money. People like this should not be able to get away with such actions, and in addition, I want my money back. 

I have read countless posts online about how XXXX says there is nothing they can do since the buyer ( me ) authorized this transaction. This is not fair.. especially when I've attempted for hours to get this transaction to be stopped before the scammer gets his money and shuts down his account. 

I will NEVER use XXXX again and will NEVER recommend XXXX. I'm livid. 

I've reported him to the FBI Internet Crime Complaint Center in hopes he gets caught.
Just bought a car and before I could plate it I was in an accident not my fault the other insurance company took for ever to settle with santannder they continued to charge interest on the vehicle loan which I was also still making payments on also I have ask them to wave the interest since they were the ones that settled with the insurance but still were charging me until they got the payment also they said it was for the warranty that obviously was not needed again didnt even have the vehicle 30 days I would like it removed from my credit
Bank of America home loans has reported my short sale as a foreclosure. This is severely affecting my credit. I am unable to refinance my house.
Because of a lawsuit that my partner and I have, we asked for a cash advance. We were sent XXXX checks : XXXX in his name and XXXX in my name. The XXXX in my name was delivered to me, but the XXXX in his name was nothe had to go in person to get it. I took him to get it and he presented his ID, but according to them it wasnt valid. He showed his papers from the attorney who is helping with his XXXX case ( he lost all of his documents ), and he also showed them an income tax return with his Social Security Number, and they just told him that the money transfer was there and that it had been paid, but they werent going to give it to him. He asked if he could get it with a letter from the lawyer or a notarized letter from several witnesses, and they just told him not to waste his time. They closed my account because according to them they couldnt prove who he was. When we asked them why they didnt just transfer the money to the bank that issued it if they werent going to give it to us, they told us that eventually the money would be sent to our house, but that could take months or even years. I think that this shows a huge lack of respect, and it is abusive behavior toward a couple of people who are only claiming whats theirs. We have a critical situation involving a XXXX child.
I get daily calls from Capital Management Services looking for a person I do not know about a debt. I have told the callers on at least three occasions that they have a wrong number and that I want my number taken off their call lists. I put a three month block on their number but now that the block was lifted the calls have begun again. I plan to return a call to XXXX XXXX XXXX XXXX to ask again to be taken off their call list and to let them know that I have filed a complaint with the CFPB.
Barclays Bank Delaware claims that I owe them {$2200.00}. After two letters sent by me, Barclays Bank failed to provide me with the document bearing my signature, showing that I have, or ever had some contractual obligation to pay them I believe tahat this is a violation of Fair Credit Reporting Act ( including, but not limited to Section 623-b )
I want to pay more than the minimum monthly payment on my loans with interest, but there is no way to do that. The only option on the THECB loan repayment website ( XXXX ) is a lump sum payment that the organization then separates among the loans at their discretion. To change the automatic disbursement among multiple loans, a payment must be made and then a phone call must be placed to them during their business hours, and a request must be submitted to change the payment. The process is too long and difficult, and they have only successfully completed this request one or twice out of multiple attempts. It is in their benefit for my extra payment to be placed on my no-interest loans instead of my loans with interest, and I believe this scheme to be intentionally so. It is too difficult for an average consumer to pay down the high-interest student loans. There should be a less cumbersome method for choosing how to allocate payments among multiple loans.
I called the credit bureaus and the creditor when i founded out about this fraudulent account ( XXXX XXXX XXXX i was advised to get a police report to remove the fraud i did and disputed the information on my report. The account reminded and credit bureaus told me thats the way it is, but no thats not the way it is. I have attached my police report for proof of the fraud.
Beginning in XXXX of XXXX I have disputed these alleged debts. I have asked for debt validation from XXXX XXXX Bank along with JTM Capital Management and requested that these accounts are removed from my credit reports. I have not received validation of debt from XXXX XXXX Bank or JTM Capital Management and my requests have been ignored. I do not have any knowledge of these accounts. I want to see proof of debt and a contract that has my signature to prove, I am in fact the person repsonsible for these debts. XXXX XXXX XXXX JTM Capital Management continues to verify the accuracy of the information being reported with the CREDIT BUREAUS after my numerous disputes with XXXX , XXXX and XXXX . However, my debt validation request are being ignored. 

There are a total of two accounts from XXXX XXXX XXXX XXXX being reported on my credit reports. I am disputing both accounts. Both accounts are listed as sold/transferred to JTM Capital Mangament LLC.
THIS ACCOUNT IS OVER XXXX XXXX XXXX AND SHOULD BE REMOVED FROM MY CREDIT REPORTS. 
XXXX XXXX XXXX WAS PAID FULL AMOUNT OF {$XXXX} IN XXXX AND ACCOUNT SHOULD SHOW AS SUCH AND CLOSED ( PAID IN FULL ). PLEASE REMOVE THIS HARMFUL FALSE INFORMATION FROM MY CREDIT FILE. 
THIS ACCOUNT IS REPORTING FRAUDULENTLY.
I live on social security disibility cant afford to pay this the state of colorado medicaid pays my medical and the creditors knew of this so i dont believe that these should be on my credit to destroy it more i am trying to rebuild it and the collection agencies want to destroy it now bill the state of colorado on this if they dont pay then give me a settlement offer of XXXX and i will pay this amount if medicaid dont then the bad marks will dissapear from my report or show paid thanks XXXX.
I have an account at XXXX and setup online bill pay to send a draft check to Wells Fargo to pay for my mortgage account monthly in the amount of {$900.00}. The first payment was delivered on XX/XX/XXXX to WF and processed by WF on XX/XX/XXXX, and they reversed the payment on XX/XX/XXXX. They indicated the the 3rd party bill pay issued a stop payment and they returned the funds electronically. 

I spoke with my XXXX as well at the 3rd party bill pay and they indicated that no such order was issued, or could be issued for such payment. 

After multiple calls and escalation to WF, WF indicated that they will send the record that they fulfilled the stop payment order and return of funds but that record has never been received. 

I had to make an extra mortgage payment to ensure that my account stays current, I may have also incurred additional fees from a late payment and extra interest because the " additional '' payment was received late. As it stands, WF says they sent the money back, and my XXXX account does not indicate any returns funds. I have been back and forth with both companies and I consider my money lost and stolen.
The XXXX XXXX used my social security number without my permission. This is Identity Theft-Fraud. They claim it was an " accident ''. No way. I wrote the credit reporting agys. to be told " if I wanted a credit report, fill out their form ''. I had to stop a mortgage process and needed to stay in a higher cost lease. I went to small claims for the lease amount it cost me to stay where I live, only to be told this was " out of their hands ''. This company knows exactly what it did and what it was attempting. Please help me get justice. Thank you, XXXX XXXX
I recently went on XXXX to obtain my annual free credit report. The reports were provided free of charge with no problem by both XXXX and XXXX however Trans Union some how through their website signed me up for some type of credit monitoring that I was not aware of. They have consequently charged my bank account a total of XXXX for what I thought was supposed to be free. It is the principle here the other XXXX credit agencies did it the right way but Trans Union in some as far as I am concerned fraudulent way made me pay for my credit report. I would like to file an official complaint against Trans Union for their misleading practices!
I recently sent disputes to all three crdeit bureaus as well as the creditor ( CBNA ) And ask them to send me copies of the application with my signature
On XX/XX/2018, I got involved in a Citibank promotional offer which offered a cash bonus of {$400.00} if I kept {$15000.00} in a checking account for 150 days. I opened a checking account and deposited the money. The 150 days was up on XX/XX/XXXX, but I have not yet received the bonus. Three disputes have been filed, but no one knows how to solve this problem. It has now been 168 days since I deposited the required {$15000.00}. Disputes have been filed but nothing is happening. Citibank is in no hurry to resolve this dispute although it is not a very complicated case. No one knows how to handle this situation. 
I would really appreciate your help in finding out what's going on. 

Thanks very much. 

XXXX XXXX
My wife and I have a loan CHFA in XXXX XXXXs. We recently sold our house and are having trouble getting Loan Payoff information sent from CHFA to our title company to close on our house. The first time i requested this information was XXXX-XXXX-18 and was told the information would be sent to the title company within 4 hours. It was not received within that time. I have called them every business day since to get an update on the status of our request and we get the same answer that it is " pending ''. We have tried to talk to a manager or a supervisor and they are dragging their feet. We are less than a week from closing on our house and it is not getting completed. I would be happy to talk to anyone that needs more information about our issue. I am completely disappointed in CHFA. We pay our mortgage to them every month and they can't send one simple fax.
Hello, I paid off my home mortgage with US Bank on my home at XXXX XXXX XXXX, VA XXXX in the early fall of 2017. 
I called US Bank Home Mortgage last month and asked them where my final release papers were and they said they were sent to XXXX XXXX NC. I had my neighbor look in the mailbox there but they was not found. I requested they resend them toXXXX XXXX XXXX XXXX. They havent arrived. I request US Bank Home Mortgage to send the original note, mortgage, release documents and statement that my mortgage is paid in full to XXXX XXXX XXXX XXXX, VA XXXX. 
Thank you
I was working with XXXX XXXX XXXX. I received a packet from the mortgage Co. Specialized Loan Servicing LLC Saying they had approved us for a Standard Modification. 
The interest rate was suppose to be lowered and it 's still the same. The payment only went down about {$200.00}. I am disappointed about it too because they said that it would be about {$600.00}. - {$700.00}. monthly payment. Now it 's XXXX. And after the end of the payments we 'll owe a Balloon payment of {$76000.00}. I am not understanding this. Need a lawyer.Which I do n't have the money for.
My Wife, XXXX XXXX, opened a checking account with XXXX and later applied for a credit card with them in her name only in XXXX. In XXXX of XXXX she requested that my name, XXXX XXXX be added as an authorized user to the card that was only in her name. Apparently USAA decided to add me as a joint account user on the account which I never gave permission to. This business was conducted over the phone and I expressly informed the representative on the phone that I was in no way to be responsible for her credit card account. I never received any correspondence regarding to the account nor did I receive any account statements regarding the account. I only found out that my name was associated with the account when I requested my Credit report in XXXX time frame of XXXX. XXXX, my wife filed for Bankrupt status In XXXX of XXXX after which I called numerous times to XXXX to try to resolve the situation and they basically ignored me and told me that my wife had added me as a joint account holder which never happened. I surmise that after her Bankrupt filing that they took it upon themselves to try and collect her debt form me. My wife has no Power of Attorney from me and I never signed anything or agreed by phone to be responsible for this credit card account.
I have sent several letters asking for proof bearing my signature showing this this account has been late. I have never received a response, in fact this account was paid and closed fro over a year and know this company just added that this account is now open and hit me with another late. 
i have also disputed with the bureau and it has gone un answered.
I have come to the conclusion that the credit bureaus are violating my rights under section 1681 and that they have received the following : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. I had previously sent my XXXX and XXXX rounds to the bureaus with no resolution, and round XXXX on XXXX/XXXX/15 and round XXXX on XX/XX/XXXX. I receive the same response each time saying " verified '', and yet section 609 ( c ) states that I am allowed disclosure of the documentation used to " verify '' the accounts. They refuse to provide the documents as well as their method of verification ; the results they send state that I can request such and then they deny this. The accounts I am disputing do NOT belong to me. In addition, there are multiple addresses on my file that do not belong to me ; therefore, I am positive they belong to someone who has used my information in one way or another. I have attempted to contact each creditor and have not resolved with them either. I am going to have to resort to suing the credit bureaus.
I rented an office 3 years ago. My contract said I could work daily from virtual office launch area but the truth was they had no place for me to work from. The contract was cancel for wrong disclosure. The account was closed with the manger. Now I am getting the same bill via email from a collection agency.