WillisBack/dataset-financial-user-claim huggingface dataset:
I have request PROOF OF CONTRACT to substantiate a claim that I owed the amount {$3300.00}. to XXXX XXXX XXXX. The XXXX nor the collection agency provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specically Naming XXXX XXXX XXXX as an entity entitled to enforce a commercial claim against me. The Reporting Agency send me onXX/XX/XXXX and updated account Investigation Results as Verified as accurate. But their answer is just a computer generated document with a copy signature that is not mine. They failure to Validate the account and to send me a notarized document that will demonstrate that the " investigation '' was conducted properly.

The same happen with a XXXX   case charging me with a {$580.00} as of XX/XX/XXXX. Moreover, they have reporting in my credit report a Global Lending Services, for the amount of {$8600.00} in this case I filed a dispute letter that the collection agency fail to informed me about why they failure to follow New Jersey repossessing Law, and failure to Validate the account
I have a loan with WFDS/WDS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and WFDS/WDS with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.
Nationstar recently completed the PMI removal process from my loan but is refusing to refund my PMI over payments in the amount of {$540.00} for the months of XXXX XXXX XXXX 2016. XXXX XXXX, 2016 is the day of record for my PMI request for removal. XX/XX/XXXX is the day I was transferred to Nationstar. Nationstar claims they 're only responsible for refunding the PMI I made to them. This is a clear violation of the Homeowners Protection Act. I have spent hours and hours trying to resolve the issue of PMI removal with the company. This particular incidence is different than recent complaint # XXXX which Nationstar claimed the issue had been resolved.
Nationstar claims they refunded my appraisal fee of {$450.00}. In my opinion, this is an attempt to further break the law. All I 'm asking for is my rights to be honored. Please cancel any {$450.00} appraisal fee " reimbursement '' ( wherever that money is floating ) and refund the over-payments in the amount of {$540.00}. That is the law and legal accounting is what I 'm asking for. Attached is the letter from XXXX XXXX where they 're attempting to address a different CFPB claim that they have no responsibility in refunding any PMI payments. This is a business issue between Nationstar and XXXX, as Nationstar initiated the purchase of my loan and it 's not my responsibility to deal with business related problems between these XXXX companies.
Hello, I would like to put in a complaint agains t Portfolio Recovery Associates LLC.   I was unaware when they sent me a letter dated  XXXX / XXXX /   2015  that a check was enclosed in the amount of {$200.00} in which the letter stated the following : " On  XXXX   XXXX ,  2015 ,  Portfolio Recovery Associates LLC entered into a Consent Order with the Consumer Financial Protection Bureau regar ding out Litigation Department collections calling practices. Enclosed with this letter, please find a check from  Portfolio Recovery Associates LLC ( PRA ) whi ch is a refund check made in accordance with the terms of the Consent Order. '' I have contacted  Portfolio Recovery Associates twice tod ay at  XXXX  and was told by both associates that there is no way that I would be able to get a new check issued or have the check amount applied to my balance of {$500.00} that I still have with them over my debt with my credit card (  XXXX   XXXX   ) a nd I stated to them that I did not understand if the check was not cashed that the money should have gone to the Unclaimed Property for either my state or the state the check was written in, however, they just both said that I was out of luck in the trying to recover the check amount, therefore, I contacted you since you company 's name was mentioned in the letter.
Transunion sent me a Fraud Alert / Security freeze application asking if I would like to place a security freeze on my credit file. My response is no. I do not want a security freeze on my credit file. I did not complete nor submit a credit freeze application. Transunion then placed a security freeze on my credit report without my consent and now my potential creditors are unable to access my Transunion credit file. This blocks my ability to purchase a house, to purchase a car, and my ability to obtain general credit. Transunion then further lowered my credit score to XXXX although I have only XXXX active credit account and no lawful negative accounts. The XXXX account being reported is PAYED AS AGREED and has never been late. My credit score should be a XXXX. Please assist at unfreezing my Transunion credit file and lifting my credit score! I did not request a credit report security freeze. Unlock immediately!
on XX/XX/XXXX I registered for the promotion from American Express : spend {$5000.00} until XX/XX/XXXX and get XXXX   starpoints extra. 
Points are still not received. Amex has been contacted many times but they did not give any answers.

I want them to post required points and XXXX  points more as a punishment and a compensation for the time spend with communication with AMEX
I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. They have not verified these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible  Thank you.
Over the last several years my mortgage had been sold/bought by several different loan service agencies. Seterus was the last loan holder prior to my selling the property on XXXX/XXXX/XXXX. Appears that after escrow closed on sale of this property, Seterus noted that I had over paid them by {$740.00}, and according to their records a refund check was mailed to my current address on or around XXXX/XXXX/XXXX. Up until mid XXXX XXXX I was unaware of this over payment, and that a refund check had been issued, but never received from Seterus. On XXXX XXXX, XXXX I received a letter from Seterus stating that the check they sent to us, had not been cashed, and at 120 days they would be sending monies to the state as " abandoned property ''. On XXXX XXXX, XXXX I called Seterus, my contact advised that they would follow up and reissue check. The amount was actually XXXX checks, but she combined total refund into XXXX amount. On XXXX/XXXX/XXXX I had not received check, and again called Seterus. They advised that they had verified check had not been cashed, and would be reissuing check this week, I should have it within week. Having received no check by XXXX XXXX, XXXX, I submitted a fax expressing concern on not having received check yet, and request they follow up. XXXX/XXXX/XXXX I again called Seterus, spoke to a XXXX XXXX, male, who went back to very beginning, pushed his information that was old news, refused to listen, but insisted I listen to him, put me on hold to research info, and after 10 mins + hold, disconnected my call. I now see that CFPB has well over XXXX complaints about Seterus, all with similar problems. I would like to collect the funds owed myself and ex-husband. I would also like to see Seterus not be able to buy loans of any sort, due to their poor management of peoples loans and money.
I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have fraudulent and unauthorized credit card accounts and credit inquiries listed on my Experian, XXXX and XXXX XXXX credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, the following credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017, XXXX XXXX XXXX, XX/XX/2017
I 'm a XXXX in a small firm in my early XXXX with student loan debt from XXXX school in the amount that some people have saved in pensions for retirement by now. My wife has school loans too which we 've been paying for years. We went back to school later and raising XXXX kids who are now just getting out of great colleges themselves means more loan payments. I 've managed to pay off over {$60000.00} in private loans and have {$140000.00} to go on my XXXX XXXX XXXX. The loan servicer 's contact person I communicate with regularly is very helpful but I do n't seem to qualify for a program that allows me to make an affordable payment. She said the first loan servicer I had for years who I would always ask for how I could make payments to reduce the debt, did me a disservice. There was just nothing but forbearance I was told and that 's still what I 'm told, it 's just forbearance. But that just makes the debt total higher. Right now the full payment due is {$1600.00} which I can not afford along with my mortgage and other bills. I 've been paying $ XXXXmonth during forbearance and have started paying a parent plus loan of $ XXXXmoth for my daughter. I 'm told I only have XXXX more year of forbearance but all I want is a plan to pay off the loans that I can afford and not be delinquent or default. If there 's anything you can do to help, please let me know. I want to be able to qualify for a steady repayment I can afford, and save some money for retirement, along with paying my mortgage and other costs of living. 
Thank you.
I made an agreement with XXXX XXXX XXXX on XX/XX/XXXX to pay a settlement of {$800.00} dollars on a debt of {$1900.00} to XXXX XXXX XXXX. After I make this payment the account would be settled in full. XXXX XXXX XXXX made a payment to XXXX XXXX XXXX , XXXX on XX/XX/XXXX. I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX stating my settlement obligation had been fulfilled - XXXX reference # : XXXX. They told me through account executive XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX : that they were not reporting it to the credit bureaus. It is still being reported to EQUIFAX as an open account. It is lowering my credit score with them because of it still being on their report. I would like this entry promptly removed from Equifax credit report and any other credit reporting companies. Thank you - XXXX XXXX
I ca n't afford my $ XXXX month payment on my private loan on top of my $ XXXX payment on my federal loan. I have repayment plans with my federal loans but sallie Mae will not extend my loan terms or anything to help me out and my private loans are killing me.
The reason for my complaint is I had an open credit account with a store named XXXX XXXX via XXXX XXXX that account was always in good standing and as of XXXX XXXX 2017 my credit score with XXXX was XXXX and it was over XXXX with TransUnion. What happened was that XXXX closed my account due to XXXX going out of business not because I did anything wrong with my credit line. Subsequently what happened was my numbers dropped 48 points for something that was out of my control. It hurt me because I am currently attempting to  acquire a home. I have sent those agencies emails in regards but I have not heard anything back from anyone to fix my numbers to where they were.
On this date, I 'm requesting a second review of my wife Bank of America/Credit Card account Dispute charges. 

The Account No : XXXXOn XXXX XXXX, 2015, my wife and I obtained a Life XXXX XXXX XXXX ( Membership Agreement ) at XXXX XXXX , XXXX XXXX . We were explained on the meeting with representative of company about the agreement, with XXXX XXXX XXXX XXXX that you can stay in any resort or XXXX Star Hotels in the United States. We only has to communicate via telephone to Customer Service and they will make ALL reservation for us. My wife did tested this membership agreement with XXXX XXXX XXXX XXXX XXXX because, we wanted to stay at the XXXX location in XXXX. On XXXX XXXX, 2015, my wife tried several time via telephone to make arrangement for a reservations to stay at a Hotel with the Family in XXXX. NO Live Person answered the via telephone at the Customer Service on the Business Card that was provided from the Sale Person : XXXX XXXX XXXX XXXX, for the Contract Agreement No : XXXX, it appears this sale agreement was done and signed under False Pretenses and the Timeshare presentations are filled with High Pressure sales Tactics, Misleading statement and downright lies. 

On XXXX XXXX, 2015, my wife communicated via a telephone with Bank of America Credit Card Customer Service to dispute this account. She communicated with the Bank of America Employee Id No : XXXX. 
The employee explains to my wife that, he will forward this dispute on reference to Credit Card Account charged to the Dispute Department to address this issue. My wife is still waiting for a final decision on this case. 

We appreciate your assist to address this issueXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Cellular Phone
I started my private student loan with XXXX bank and then I get a letter stating they are selling my loan to AES. I never signed any paper work with AES and now they want to raise my interest. I had to go through extensive work to obtain a loan with XXXX and now it can easily be passed over to AES? I need to have documentation stating that I 'm OK with that and need to have my signature on AES paperwork.
I am writing with regard to the XXXX XXXX  and Global with Deceptive CASH ADVANCE PRACTICES. 

I am XXXX and recently my younger sister XXXX. I have been to the XXXX not often but many times take a ride from My neighbor to use their ATMs. 

Upon going there all the ATM machines were temporarily disabled. I was instructed that I could go to the cashier and instead of paying a {$4.00} fee I could pay {$1.00} and take money out. They asked for my debit card and told me I was eligible for up to {$500.00}. 

I was surprised that I was even able to get that as I live on {$840.00} a month. In addition I was illegally evicted and lost everything I own which I will attach. I took several withdrawals and kept checking my balance. Every time I check my balance it was under {$500.00}. 

I went to stop my credit line I have the receipts the clerk ID number and asked to stop the credit line when it was at {$400.00} and a four dollar charge. The cashier responded with she did not know how to do this. 

I asked to speak to a manager she spoke to someone in the doorway and told me to call XXXX which has to do with their ATMs not with their collections. I was very concerned called my bank immediately to do a STOP PAYMENT ; Only to find out when I called their company Global and spoke to a supervisor name XXXX that it is a rotating line of credit or they don't call it a line of credit something an E check and they give you {$500.00} a week therefore I had no idea that I surpassed my limits as I take a lot of medication and when I asked to stop it they said they did not know how nor did their manager. In addition every time I checked the balance I was under the limit. 

XXXX, Supervisor at Global who I spoke to expressed her apologies and stated that they are definitely trained to know how to stop this. They are trained to disclose that it is {$500.00} a week which I had no clue or I would have taken XXXX XXXX and declare bankruptcy if I was planning to do something crooked. XXXX Had the collection agency stop calling and writing me. 

Although I put stop payments I had agreed to pay {$400.00} as I agreed to take a one time amount out for {$1.00} charge instead of {$4.00} at the ATM .I was unaware that they had collected this money along with almost triple the amount as they were adding money and not telling me that I had surpassed the {$500.00} and I had no clue that it was XXXX a week. 

I have tried everything but everything is automated and it is impossible to reach anyone in a position of authority. 
Each one GLOBAL WHO DECIDES TO REPLENISH YOUR CASH ADVANCE WITHOUT TELLING YOU AND THE XXXX XXXX XXXX THE CASHIER MANAGER XXXX FIRST TRIED TO BLAME IT ON THE " New inexperienced cashier, '' and both do not resolve nor offer a solution. My rent check just bounced, car insurance.. 
I am asking for your help as this is deceptive and fraudulent I have all the bank statements and the E Check receipts. 

They were actually clever as they requested my debit card and the account number Which enabled them to take the little money I had in a Custodial account for my daughter as well as directly debiting from my checking. 

Please contact me XXXX XXXX XXXX
I AM FILING THIS COMPLAINT BECAUSE XXXX, XXXX, AND TRANSUNION HAS IGNORED MY REQUEST BACK IN XXXX OF 2018 IS WHEN I FIRST NOTICED THE UNFAMILIAR ACCOUNTS LISTED ON MY CREDIT REPORTS SO I MAILED OFF MY LETTER TO THE BUREAUS ASKING FOR THEM TO CORRECT THEIR ERRORS MY FIRST LETTER WENT OUT IN XXXX, SECOND WENT OUT IN XX/XX/2018, THIRD WENT OUT IN XXXX AND MORE LETTERS WENT OUT SINCE THEN REQUESTING THAT THEY HONOR THE FEDERAL LAW-FCRA 611 ( 5 ) ( A ) AND PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. THIS INCLUDES THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX   ACCT # XXXX XXXX XXXX ACCT # XXXX I DID SOME RESEARCH AND AS I UNDERSTAND, FEDERAL REPORTING LAWS, PARTICULARLY METRO 2 DATA FORMATTED REPORTING REGULATIONS ENACTED AS A RESULT OF THE CRSA, REQUIRES THAT ANY AND ALL INFORMATION OR NOTATIONS ALLEGED BE CERTIFICATED COMPLIANT AS WELL AS FULLY TRUE, CORRECT, COMPLETE, TIMELY, PROVEN MINE AND PROVEN OF MY RESPONSIBILITY. IT IS WITH CLARITY THAT THE SAME LAWS DICTATE THAT NO ENTITY INCLUDING A CONSUMER CREDIT REPORTING AGENCY SUCH AS YOURSELF CAN EXCUSE ITSELF FROM THE RESPONSIBILITIES OR LIABILITIES SHOULD THAT ENTITY BECOME DEFICIENT IN THAT COMPLIANCE OR PHYSICAL PROOF OF IT.I AM ENACTING MY CONSUMER RIGHTS TO HAVE ONLY CURRENT TRUE ACCURATE AND PHYSICALLY PROVEN METRO 2 COMPLIANT INFORMATION REPORTING. I DO NOT AUTHORIZE YOU TO RETAIN ANY OTHER ACCUSATIONS OF ADVERSE DEROGATORY NATURE, RETAIN OR RETURN TO REQUISITE METRO 2 COMPLIANCE BY YOUR WILLFUL ANNULMENT OF ANY AND ALL OF THE ABOVE LISTED. THANK YOU IN ADVANCE
I requested a report from MIB after I was turned down for insurance by XXXX XXXX XXXX. XXXX After a reconsideration request by me XXXX approved a higher cost " rated '' insurance plan. 
The XXXX code symbol translation in the MIB report states that I am currently under treatment for XXXX XXXX I am not currently being treated, nor have I ever been treated for XXXX XXXX. I have a steady and healthy XXXX XXXX.
I 've been a happy customer with my ARM home loan I received with ING XXXX Bank in 2008. They have since been purchased by Capital One/ XXXX. I recently took the bank up on an offer that after I accepted and they implemented it I found it deceitful. They showed me for XXXX mortgage payment cost I could lock in my loan at a slightly lower then my current rate for 5 years. They hid the fact that the offer would shorten the amortization period of my loan by 8 years. I though I was locking in my mortgage rate for 5 years for a slightly lower overall payment. What I got was the the lock in, but the shortened term increase my payment by almost XXXX dollars a month. 

In the proposal they compared my current PI+Escrow payment to my new PI ( only ) payment.
I have had several companies who have continued to report inaccurately on my report regarding account balances. Each account expect for Kohl 's has submitted a manual update to remedy the situation. Kohl 's credit card services refuses to submit an update and infact was hostile we I made the request. I have an audio recording of this interaction and well as my current balance and credit reports showing contradictory information and they refuse to remedy this inaccuracy. I am unable to submit the audio recording because it is over 20 minutes long making it 19 MB which is over your upload limit. It is ofcourse available on request. My images and screenshots prove that i paid my balance and that Kohl 's did in fact report in XXXX but did so inaccurately. I would like to see my balance updated on my credit report retroactively to reflect when it was paid.
I leased a car from ALLY Bank and was charged a Sales/Use tax of {$28.00} per month for 39 months. My husband leased an auto from XXXX XXXX XXXX for the same period and he is not charged a sales tax. We XXXX live in the same residence in XXXX, Pennsylvania. Is this legal?
My wife and I bought our primary home with a mortgage from CitiMortgage in 2012, the investor on the mortgage is XXXX. We have been upto date on our monthly payments all along and have excellent credit profiles overall. The account is in very good standing right now. 

Recently we requested Citi to cancel PMI on the mortgage and an appraisal was performed, that showed the property had appraised a little. Based on the appraisal, we made a one-time additional payment of {$13000.00}, to bring the LTV to just below 80 % of the home value. Citi responded to us stating the investor rules on PMI require the LTV to be 75 %. When we appealed why PMI ca n't be cancelled with LTV at 80 %, they advised us to talk to XXXX. XXXX stated their rules require the loan to be XXXX years old, for PMI cancellation at 80 % LTV. 

Our understanding of federal rules on PMI, from consumerfinance.gov does n't require the loan to be XXXX years or older. Hence we 'd like to submit a complain, seeking help from the CFPB to help resolve the matter.
State GovernmentRef :  XXXX  Tax Lien - Filed State GovernmentRef :  XXXX  Tax  Lien  - Filed The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted. This is incorrect information. It does n't belong to me. It needs to be deleted.     Both  XXXX  and   XXXX   have deleted these items, therefore they need to be deleted.
There is a derogatory remark on my credit report that involves a tax lien that has been released. The tax lien was reported to the credit reporting company in XX/XX/XXXX. The lien was resolved and released through the filing of a previously missed tax return several years ago. The credit reporting company shows the lien as released but the derogatory remark regarding it remains on my credit report as of today, XX/XX/XXXX. I lodged a dispute with XXXX earlier this year but I have not heard back from them. I have not lodged a dispute with Transunion, believing the derogatory remark would be removed due to its age. However, the derogatory remark remains on both credit reporting reports.
XXXX CA. XXXX XX/XX/XXXX 1. XXXX IN XXXX 2. XXXX MI XXXX 3. XXXX PA XXXX 4. Copy : ( 1 ) XXXX ( 2 ) XXXX ( 3 ) XXXX RE : CREDIT REPORT CORRECTION : XXXX The attached STATEMENT OF ACCOUNT from XXXX has written off this debt collection to zero balance. 
a. I am requesting XXXX, XXXX and XXXX to stop their continual harassment, fabrication of lies, and distortion of facts of fraudulent debt collection on this case immediately. 
b. I am requesting that XXXX to report this item to credit bureaus of XXXX XXXX EQUIFAX and XXXX as per the statement of account attached to stop the fraudulent business practice of XXXX , XXXX. 
c. I am requesting from XXXX ( 2 ) EQUIFAX ( 3 ) XXXX that this debt collection still listed on my credit report be removed and should be disregarded by the credit bureau agencies ASAP. 
d. I am demanding that XXXX order the removal of this item off from my credit report. 
e. I did not signed, received or order any treatment from XXXX, the XXXX Sheriff Department order and signed off for this treatment to cover up an illegal arrest and I was never treated by XXXX, the {$0.00} balance as indicated in the statement of account attached should be updated with the credit bureau as {$0.00} balance and this items removed from my credit report ASAP.