WillisBack/dataset-financial-user-claim huggingface dataset:
This is the letter I sent the collection agency, which explains the issue : XXXX XXXX, 2016 Credence XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : INVALID COLLECTION CLAIMS FOR XXXX XXXX XXXX To whom it may concern : Last month, I was told I had to pay my overdue XXXX XXXX XXXX bill in order for my service, which was turned off, to be restored. I paid {$250.00}, which XXXX person told me was the amount due, but my service was not restored. When I called back, I was told that that money was used to pay for an old bill and that I still owed more money. Nobody could tell me what the {$250.00} went to, and my service was never restored. 

I did not owe anything on any " old '' bill. XXXX XXXX XXXX would not have issued me a new phone and phone number if I still owed money on an old bill. 

But it appears that my {$250.00} went to pay that non-existent old bill. I believe this is so because in XXXX, I got a bill from Credence, offering to settle a {$250.00} bill for {$100.00}. Assuming that this was an overdue notice letter for my then-current bill, I ignored it, as I 'd just paid that bill. I did n't notice whether the amount listed was the same as I 'd just paid. I just assumed any discrepancy was an error. Now, as I look at that XXXX letter, I see it has an old account number, XXXX, for an account that had long been paid in full and on which I owed nothing -- certainly not {$250.00}. 

Today, I got a new letter ( enclosed ) stating that I owe an additional {$470.00}, again, with no explanation of what this bill is for, but with my current account number, XXXX. It would be impossible for me to owe this amount, as I just paid {$250.00}, which I was led to believe was going toward the payment of my current account. Also, my phone has been turned off for a month, and I did n't owe this much previously. 

XXXX XXXX XXXX must prove that I owe the money it claims I owe. I dispute both amounts. 

I would like to resolve this amicably, but to be on the safe side, I 'm forwarding all this information to the Consumer Financial Protection Bureau.
Coinbase was supposed to transfer {$11000.00} to my account by XXXX XXXX they are very late and will not respond case # XXXX
GMAC HAS AN ACCOUNT OSTED ON CREDIT REPORT THAT IS PAID OFF. THEY CONTINUE TO TRY TO COLLECT ON DEBT, POST ON CREDIT REPORT AND STILL OFFER TO DO PARTIAL PAYMENT AND XXXX.
XXXX This account continues to appear on my Equifax/XXXX XXXX report. I have made attempts by phone and on-line, but they have yet to correct the above account for XXXX XXXX XXXX. The item was paid in full and should not have been reported by XXXX XXXX XXXX 's office to the credit bureau. Attempts to accesss my credit file are useless. Attempted to speak to a representative, today ( XX/XX/XXXX ), but, was placed on hold for more than 15 minutes when I finall disconnected the call.
I earned around XXXX travel rewards points by using XXXX card for purchases. XXXX is telling me that all those points expired 90 Days after their breakup with Costco. Those points were earned an I do n't think XXXX should be able to forfeit this with such a short time frame and without Noticing its point holders
Complaint - PHH Mortgage Service I am communicating this complaint in regards to a Refinance cash out of an investment property which started the week of XX/XX/2019 from XXXX XXXX who then completely went over all of my required information and verified my reserves of {$17000.00}, before moving to XXXX XXXX on XX/XX/2019. Mr . XXXX further processed my application. During this process, and procedure all information was again verified and approved before submitting the verifications of reserves funds with the under writer department. Remember in the beginning, I was already verified for having {$1700.00} in reserves which was required, however the underwriter department requested {$30000.00}. Now this seem strange and all of sudden, I asked XXXX XXXX to have underwriter to go over their numbers again because I knew the amount was {$17000.00}, which they did. The next day, it was confirmed {$17000.00}. Well this brought red flags with me in believing they was not processing my application fairly. Then the underwriters department asked to verified my reserves which I used the information which Mr. XXXX used, my bank savings accounts, my XXXX XXXX   investment plan as well as my XXXX XXXX account. Underwriters came back and said they could not use the XXXX  account nor the XXXX XXXX account, stating they do not grant credit to any terms and conditions requested. The terms and condition they were talking about is the disclosure statement showing that I am the account Holder irregardless of others on the account and if I ever needed the funds I would be penalized for 10 % plus State and Federal Tax prematurely which would not have an affect on them just me. This is standard on any IRA, Roth, retirement savings etc. They opted for this, without stating the guidelines under XXXX XXXX or XXXX XXXX, to justify. So I researched the Guidelines, and it stated funds that can not be withdrawn under circumstances owners retirement, employment termination, or death can not be counted as part of the borrowers reserves. Their guidelines listed whats acceptable source of reserves and Unacceptable source of reserves. In orders words the XXXX investment plan can be used and they decided on their own not to. Unacceptable. Retraining is needed here. 

Further, I have been with this company for many years and they handled two of my loans if a company, cant satisfy their customers fairly then customers dont need their servicing because of unfair practices. I hereby request an investigation into PHH mortgage Loan process particularly their underwriters department in processing refinance loans and the reserves verification.
Homestar drop the ball on my loan from day1. Lack of communication. I was pre approved for {$120000.00}. I made an offer to a HUD {$100.00} down house. Hud accepted my offer of {$92000.00}. I supplied ALL documents to my loan officer via email and fax in less than a week. 
After a month of waiting, they finally ordered appraisal. What originally cost {$450.00}, but they charged me {$550.00}. Because they had to put a rush on it. The property management made me turn on all the utilities on in 2 days!! I got total of XXXX disclosures, all because they had mistakes with the loan amount and down payment. I called my loan officer multiple of times, no answer. In one occasion, he text me back at XXXX, stating that he will call me back during business hours. But turn around and respond to my email at XXXX!! After 6 weeks of waiting, he emailed me stating the underwriter approved my loan! A week later, I got email from the loan processor for additional documents. I sent all requested documents the same day. Then they started to ask for same documents over and over again. I emailed and faxed the documents. I was so tired of them not receiving my documents. I got off from work early, and hand deliveried all the documents to the branch office. My realtor had to get 15 day extension on the contract, because the underwiter still working on my loan. After a week later, they finally sent me the closing disclosure with the closing date of XXXX/XXXX/16. I signed it and emailed my loan officer asking them what time is closing that same day. No response. When the closing day came, I still took the day off from work. Praying someone will call me. No phone call. The next day, my realtor called me and told me the underwriter wo n't close on my loan, because the appraisal report has pictures of missing outlets. So they want hud to fix it, but Hud is refusing to make the repairs. I was so upset. She then said to get a invoice from a repairman for the cost to fix it, then we can close the next day. I called my friend whom does home repairs, showed him the appraisal report ( which by the way, I finally got from the loan processor that day via email ) all this time I never got the appraisal report that I paid for a month ago. I emailed the underwriter the repair invoice, agreeing to make the repairs once we close. No response. Now my extension on the contract expiring in 4days! XXXX/XXXX/16. No calls. No emails. Nothing from homestar. How can homestar send me the closing discloser with closing date, but now have a problem with outlets in the house???? They made what suppose to be one of the greatest moment of my life, XXXX. I 'm about to lose my dream home, because I choose to apply with homestar.
I received a phone call at my work number with an ominous sounding message containing XXXX legal language. Since I ca n't take personal calls at work, I waited until I got home to call the number back. I found out that this company also contacted XXXX my relatives. 

When i called the number back, XXXX verified the last XXXX digits of my SSN, had my address, but had an incorrect e-mail address. He gave me some spiel about XXXX loans that I owed, but could not provide me concrete information on who originally made the loan to me, when the loan was made, and basically any information to verify what the debt was. I have no idea what his call was about. Further, I asked if his company was licensed to collect debts and he said he did n't know. I asked for the address and he was originally evavise but provided me a XXXX. XXXX. I instructed him not to call my work or my relatives, and when I attempted to provide him the best number to contact me he said he did n't want it. He 's trying to scare me into paying something that he has no idea what it is and ca n't prove that I am legally obligated to pay. I want his company to never contact me, my work, or my relatives again.
I have sent numerous amounts of letters disputing the following accounts below to the credit reporting agency listed over the last 9 months. They have yet to remove the items from my credit file even though I have provided them with supporting documents stating that the accounts are inaccurate and don't belong to me. 

XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX   - XXXX
REFERENCE COMPLAINT XXXX AND COMPLAINT XXXX Additional questions : 1 ) letter dated XX/XX/XXXX states vehicle was placed for sale after repairs were done in XX/XX/XXXX ... ..invoices show repairs done in XXXX ... .which is correct. 

2 ) repairs show a windshield being replaced ... .when was windshield damaged as it was not in need of repair at the time the vehicle was surrendered. 

3 ) you did not have a POA to sign off of the title. How was title signed off? IF, you state that a POA was provided in the contract, please specify paragragh and line providing for that. 

4 ) On the XXXX form issued in the calendar year XXXX, you state that the value of the vehicle was approx. 92k yet in the same year you value the vehicle at XXXX. Please clarify how you can ... .in the same year ... provide 2 different values on the same vehicle. Please explain ... for IRS purposes the difference in these figures. 

5 ) was the XXXX issued actually filed with IRS, I have been told both yes it was and no it was for my information only. 

6 ) since the vehicle sold for more then the loan amount, why was an interest statement not issued to me for XXXX as the proceeds of the sale covered those charges.
I received two e-mails and a text message from cashnetusa.com saying their check was returned by my bank do to insufficient details. It was in reference to a loan I supposedly applied for.They asked that I submit my personal bank information and fax them a voided check. I NEVER applied for any loan from this business. I do n't know what they 're talking about. I was the victim of identity theft in 2012. It may be that someone is trying to obtain funds under my name or this business is trying to solicit my personal information in a dubious manner.
I could not access my account online and the phone tree system was non-responsive to touch-tone entries. I called at XXXX XXXX to XXXX. I 've tried multiple times to reset my password online and the web form simply states I have incorrect information, but I really do n't know what to do to gain access to the account since I do n't know what information is incorrect.
fraudulent accounts still appear on my report after submitting ftc report. XXXX XXXX for all three and XXXX XXXX XXXX on XXXX
Experian, XXXX, and XXXX refuse to remove hard inquires that should have been remove from my credit report. Here is a list of hard inquires that are expired : Inquiry date. Removal Date 1. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 2. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY
Inquiries from these companies. 
* XXXX XXXX XXXX via XXXX  XX/XX/XXXX * XXXX XXXX XXXX via XXXX XX/XX/XXXX * Primary Residental via XXXX XX/XX/XXXX Disputed these with all 3 CB. Received 3 letters from XXXX stating that they can NOT find inquiries. Called all 3 CB to let them know of these letters to have the inquiries removed and was told to file a claim with you.
I opened a XXXX XXXX credit card XXXX. I closed the account XXXX XXXX due to high interest rates. XXXX XXXX has been reporting two accounts with multiple late payments, negatively affecting my credit score. I only had one account with them. I have disputed with the credit bureau several times regarding this issue, resulting in verified and accurate. Each time I have disputed, dates have changed on the account, causing further inaccuracies. In addition, I have contacted XXXX XXXX on a few different occasions on this issue.
I pay my Mortgage through Ocwen. My payment is automatically withdrawn from my paycheck every two weeks. I 've called them once before and asked that my payments be applied to principal and they told me I could only apply a full payment to principal and that it would be done automatically once I had paid a full payment ahead. Currently on my statement it shows that my next mortgage payment is n't due until XX/XX/XXXX. Which means they are holding my money and making interest on it until it 's time to apply the funds to my account. I called in today and they guy said he would apply the payment ( approx XXXX XXXX from XX/XX/XXXX to principal, and that it would be done automatically going forward. But that is not good enough as Clearly I 've paid XX/XX/XXXX 's statement in full already, but they are n't applying it to principal. How do I get them to stop stealing money from me. Is there someone that the consumer can petition to get them to properly manage my account?
I do n't remember the exact day that this company intially contacted me but it was in XX/XX/XXXX. A male contacted me and it sounded like he was trying disguise his voice. He stated that I had received money from XXXX XXXX back in XX/XX/XXXX and I could go to jail for stealing money. As explained to him that I never heard of this company and that would contact the proper authorities. So I then tried contacting the number listed for the company XXXX only to get an voicemail. So I was never contacted again. I went to check my credit report and it Now been on my credit report fir 4 months in the amount of {$380.00}. I checked the reviews on the company on today and it looks like I am not the first person and if they are not stopped I will not be the last! I have not received any money from this company please help!
I been in this mobile home for over 17years that cost {$20000.00} in 2000.i have paid {$80000.00} to date. Vanderbilt mortgage says I still owe a 111 payments of XXXX. I am on a fixed imcome dew to my health and I am struggling to make payments. I feel that I have paid more than enough for this mobile home. I feel i have been taken advantage of. I wasn't aware of the interest i would be paying.
on my XXXX report it is showing an address that I previously lived at, that is not mine at all. This is recent activity, and I see it as means of a fraud or possible identity theft. I would like it looked into right away.
on XX/XX/XXXX I open a certificate of deposit with XXXX   the company start to report my payments as XX/XX/XXXX but up to now my credit score hasn't changed nor the credit agency hasn't posted no payment history on my report
I applied for numerous loan modifications with my former servicer XXXX who has failed to provide me with timely decisions on my loan modifications and practiced in Dual Tracking. 
My last loan modification was submitted to XXXX in XXXX 2016, to date, I have not received a decision from XXXX. However, absent of a decision XXXX filed a Notice of XXXX which recorded on XXXX/XXXX/2016, to further cause harm to my family, my loan was transfer to Ditech on XXXX XXXX, 2016, still without a decision on my loan modification. In a letter dated XXXX XXXX, 2016 from Ditech we received a Welcome letter. I called everyday to Ditech to see if they had my loan modification from XXXX. Ditech said they were missing some information I ask what? I informed Ditech that XXXX had received all of our financial information, the application, and bank statements P & L and proof of residency had been provided to XXXX. Ditech wanted us to begin again with everything and all documents, they were never able to provide the list of missing items and dismissed all of our request out of hand.
When l checked my XXXX Credit Report l realized that ; MUFG UNION BK/XXXX made a hard inquiry on XX/XX/2018 which l have no idea.
my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the  XXXX  credit Bureaus, ( Equifax,  XXXX ,   XXXX   ) I contact   XXXX   XXXX   but they could not trace any information. neither they would able to help me the issue please refer to credit report attach, I have tried to fix the problem with the credit bureaus but no luck please see Equifax response.
On XXXX XXXX, 2016, I was sued by Midland Funding LLC on a debt claim I do not recognize. I have requested the original documents which, pursuant to ADMINISTRATIVE PROCEEDING File No. XXXX CONSENT ORDER, they were required to have before filing the lawsuit, They have failed and refused to provide the documents on representations that they do not have the documents. Their filing of the lawsuit without having the documents is a direct and flagrant violation of the ADMINISTRATIVE PROCEEDING File No. XXXX CONSENT ORDER.
XXXX XXXX shows a inquire on my credit report on XX/XX/2018 but I never gave them written authorization to run my credit.
With respect to case # XXXX Amex did not have any attachments to their answer. Therefore, this complaint is still open until I receive the Amex attachments.
I was making a purchase at XXXX XXXX  XXXX when they asked me if I would like to apply for a credit card when making my purchase to receive a 20 % discount on my purchase of some XXXX dollars. I agree. Then they billed me on the credit card I just bought. I took home my item that I would later find defective. It took me a few months to return the item because the store is some ways away from home. In the mean time I got the statement which I did not pay because I had intended to return the item sooner but I had other matters in life. If I paid the first credit crd statement and I returned the item. I would be issued a credit instead of cash. Or at least I though. So I notified the credit card comp [ any of my situation. They agreed to wave the late fee. Then I returned the item and the XXXX dollars was issued back to my account. I received a few more statements over the months and simple threw them away, seeing as I had not purchased anything with the card. I was sent another one last week and opened it to see why they kept sending me statements. I saw they were saying I owed them XXXX dollars. I called them to ask why. They said because I was being charged a late fee on interesest charged off a cancelled late fee. Doesn't make any sense to me. So I am here to complain. The bank that XXXX XXXX XXXX uses is XXXX XXXX. I see many other people are complaining about them as well.
In XX/XX/XXXX I hired XXXX XXXX XXXX, XXXX to mow my lawn twice a week for the summer for a total of XXXX per month. I received a bill in XX/XX/XXXX for XXXX which I paid. Then in XX/XX/XXXX I received a bill for XXXX and I called the company and told them that I had agreed to twice a month for a total of XXXX and they were charging me for mowing my lawn three weeks in a row which I did not approve. Then another bill in XX/XX/XXXX for XXXX for the same weekly mowing 's that I did not request. I paid for the biweekly mowing 's but disputed the additional mowing 's. The company then turned my account over to XXXX XXXX. XXXX XXXX did not initially notify me of the debt but instead sent a letter to my ex-husband and put the negative information on his credit report. He filed a dispute because he knew nothing about hiring XXXX XXXX XXXX. Once XXXX XXXX realized their mistake they reported the negative information to my credit report. The initial balance was XXXX and they keep raising it, now my credit report shows an outstanding balance of XXXX. I have talked to XXXX XXXX several times initially telling them it was not my debt because I never agreed to weekly mowing 's, only biweekly mowing 's but they said I still owed since the company did the work. I did not sign the contract and it was a verbal biweekly agreement that wasn't honored by XXXX XXXX XXXX. I would like the debt removed and for XXXX XXXX for remove all their information from all three of my credit reports.
In XX/XX/XXXXmy son opened up a XXXX XXXX credit card. Several years later he put me on the account as a signer. ( during those years Best Buy sold those accounts to three different banks ) My son attempted to take me off the account as a signer in late XX/XX/XXXXand was advised that this account was now a joint account and I could not be taken off. He wrote to XXXX XXXX and adived them that this joint account status was incorrect and asked for them to supply proof that both my son and I signed the application when the account was opened. 
XXXX XXXX wrote back and advised that they purchsed the assets from XXXX XXXX XXXX in XX/XX/XXXXand they had no proof that the account was a joint account as they could not locate a copy of the credit application. 

My son became XXXX in XX/XX/XXXX and I am his full time caregiver. My son stopped paying this and other bills as he is now XXXX. 

I need to keep my credit rating up and this mistake has hurt my credit scores on all the reporting agencies. I understand that the full amount on the account, about {$24000.00} was charged off last month. 

I understand that the Fair Credit Reporting Act says that the reporting agencies must show proof of the various claims or take the negitive comments off the report. Clearly in this case this has not happened.
Payments come out every Thursday last one was dated   XXXX   XXXX   XXXX     My family is struggling real hard Wife has n't had a job for awhile we have  XXXX  kids and by the time loans come out no money is left for Food after paying bills and according to Depart ment of Children and Fam ilies I make too much for help.
An extended protection warranty was purchased on a XXXX XXXX XXXX purchased in XX/XX/XXXX when the vehicle was purchased from XXXX XXXX in XXXX, Florida for the amount of {$1800.00}. I recently traded the XXXX XXXX XXXX in for a new XXXX XXXX XXXX, my XXXX XXXX trade had less than XXXX miles and was still under the factory warranty. 
I then was requesting my refund back from the extended warranty and found that the extended warranty which costs {$1800.00} was prorated back to the day I purchased the vehicle even though the extended warranty was not used nor took effect. Out of the {$1800.00} I only received XXXX refund and this is just plain old robbery of the consumers! 
I called and met in person with the general manager at XXXX XXXX and my complaint in essence fell on deaf ears! I also called XXXX XXXX XXXX , XXXX which is the holder of the extended warranty and same just fell on deaf ears! My feeling is that the CFPB should look into this ripping off of the consumers and this needs to be fixed!