WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is with XXXX XXXX XXXX. They are trying to obtain an amount different than their correspondence claims. My original correspondence stated I owed them {$540.00} which I agreed to owing. I set up a payment plan with them for {$100.00} a month to be debited from my account after I had already mailed them a {$100.00} money order. Today in the mail I get notice that they will be drawing out another {$100.00} on the XXXX of the month. That will be {$600.00} that I have already paid to them. When I called them about this they stated that I set up the payment arrangement for this payment with a final payment of {$37.00} and change to be taken out in XXXX. I asked her what the additional amount was for because I've already paid them most of the debt they originally said I owed. This rep told me it was for {$86.00} in court costs plus {$4.00} in interest. When I looked back at the notarized copy of what we agreed up, the interest says {$.00} and the court cost line is left blank. According to this paper sent from their office I only owe the debt of {$540.00} I believe this is a violation of the fair debt reporting act in trying to collect more than the original agreed upon amount was. I don't have an issue with paying in full the original amount they gave me but feel it's unfair that they are now trying to tack on this random amount I knew nothing about. It was NEVER on any of the letters they mailed me about my debt. I had another debt with them prior to this one and they were given too much money which took me almost 2 months to be refunded to me. Their debt collection practices need to be looked further into. I don't feel as if I should owe this additional since it was not stated prior. I did tell the representative I will be closing the account they are debiting their payment from and send them the remaining {$47.00} and that will be my final payment.
I wanted to notify that there is XXXX ( or more ) people falsely operating under a legitimate corporations name in order to obtain personal information from people such as SSN, dob, names and addresses. 

After a repeated requests from my boyfriend for further information before he would provide any personal " verification '' they hung up. I researched the phone number and found they had been doing this as far back as 2009. 

I have listed their website below for your information and in case it assists you in any action you would like to take. I found it after listening to the original voice mail they left again and calling back " after business hours '' and receiving the recording. 

I just hope this is helpful to you in some way and they can be stopped from potentially ruining people 's lives and credit by stealing identities. 

Phone # XXXX Website : https : //www.vanruezpay.com
PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 5 ) COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS! 
Experian has repeatedly failed to DELETE an inaccurate Public Record account that's on my credit report that's required by law according to FCRA 611 ( 15 U.S.C. 1681I ) ( i ) ; as well as, fail to provide me documentation in my file and that was used to determined the alleged accuracy of this account according to FCRA 611 ( 15 U.S.C. 1681I ) ( 6 ) ( i ) ( ii ) ( iii ) and FCRA 609 ( 15 U.S.C. 1681g ) ( a ) ( 1 ). Also the National Consumer Assistance Plan ( NCAP ) passed on XX/XX/2017 after coming to a settlement with all ( 3 ) credit bureaus that the ONLY way bankruptcies are VERIFIABLE/ IDENTIFIABLE is they MUST have a name, address, a Social Security number or a D.O.B before appearing on my credit report, which is not showing on this incorrect bankruptcy. Therefore, this account MUST be deleted from my credit report.
This complaint dates back to last XX/XX/XXXX during a loan modification which was done with XXXX ( Account # XXXX ) my previous loan servicer this was after a 2 month forbearance after Hurricane Irma. They had indicated a shortage to my escrow account in the loan modification documents. I was provided different information every time I spoke on the phone with a XXXX   representative. One would say I had an overage, others would say I had a shortage. The modification documents indicated at {$1900.00} shortage. I called, I emailed and wrote letters, I requested a Escrow review of my account in XXXX and XXXX and was told one would be done. They kept delaying and I finally had to sign the Modification documents on XX/XX/XXXX under duress otherwise the Modification would be withdrawn. No review of my escrow was ever done by XXXX, I discovered what appears to be an error when I reviewed the two Escrow Disclosure statements from XXXX for XXXX and XXXX. The Escrow balance for XX/XX/XXXX shows an actual escrow balance of {$2200.00}, the next statement shows a XXXX actual balance for XXXX, a difference of XXXX when only XXXX should have been withdrawn from this account to pay for the monthly mortgage insurance. I have recently contacted by phone and email to XXXX and they have not responded. 

In XX/XX/XXXX my loan servicing was transferred to Mr Cooper ( Formerly Nationstar Mortgage. ) ( Account # XXXX ). Mr Cooper did do a escrow analysis in XXXX of XXXX. That analysis was completely mishandled and they indicate a shortage of XXXX in my account. Even though my account is currently at a XXXX deficit as of XX/XX/XXXX. Their major errors was their analysis to my Hazard insurance and Morgage insurance. They indicated the Hazard insurance was XXXX last year ( when it was actually XXXX ) and this year the correct amount of XXXX. The Mortgage insurance they again misquoted last year at XXXX ( the actual was XXXX ) and listed this year the correct amount at XXXX so they are showing a difference from last year to this year of XXXX increase. This is totally wrong. They are demanding the difference be paid in a lump sum or have my monthly payment increased to cover the shortage over a year period. I have contacted Mr Cooper by phone on  XX/XX/XXXX and was told someone would look at it but no one from their Escrow will call, just an email. I have also sent a letter stating the error. The new charges will be taking effect in XXXX so something needs to happen quickly. The simple facts are that my Hazard insurance has gone down from XXXX to XXXX. My taxes did go up from XXXX to XXXX, so the net effect of the two is only XXXX. I am already paying one shortage based on XXXX miscalculation and that was to be spread out over 5 years. 
I want both XXXX and Mr Copper to correct the errors made to my escrow account and have XXXX send the deficiency to Mr Cooper post haste. I want Mr Cooper to revise the shortage based on all of this information. 
Contact Information : XXXX : XXXX XXXX XXXX XXXX, NJ XXXX Phone XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX, Tx. XXXX Phone XXXX
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THI IS NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX
I have struggled to make my student loan payments for many years because I have not had a job that paid enough to make a student loan payment. I have talked to them about lowering the payments but every time they just defer it and that just added additional interest. For the past year I have made monthly payments, but over the year, nothing has been applied to principal, only interest and more interest has been added so that my original {$25000.00} now equals {$38000.00} with interest continuing to multiply. At the rate Navient is applying my payments this loan will never be paid off. They have been wanting over {$500.00} a month which is impossible to meet. I need some kind of help in getting my payments applied to principal instead of everything to interest and nothing to principal.
I have contacted GM Financial twice a week since XX/XX/XXXX pertaining to the return of an unpaid check from my credit union to purchase the vehicle. I unfortunately did not follow the stipulations of the loan, pre-approved checks can not be written to a lender. I need to purchase a vehicle and settle my account with GM Financial. I can not receive another check from my credit union until they have possession of the original check, a Legal Copy 21 of the check ( that can be retrieved from their bank, no photocopy ), or a statement from them confirming they will not try to resubmit the check. I have signed a letter of indemnity for the check on behalf of XXXX, but that is not sufficient to clear the matter. GM Financial is responding like my request is absurd. They are claiming to no longer have the check, the check was shredded, we never send return checks to customers, we are on a new system and the old system will have your request, no one has access to the old system, there is no phone number for the accounting dept., my request must be directed to their legal dept., legal dept. does not have a phone number ( fax only ). I was told to email and fax their resolution department. The resolution department emailed me requesting to call for further assistance. I called and was told the same thing again. I was told to fax their legal department. I am still waiting.
I have a loan with Wells Fargo I keep getting letters that my real estate taxes are not paid. I have written a hard copy complaint, and sent back their email. I have XXXX letters and XXXX emails from Wells Fargo in the past 3 weeks on the same subject. I pulled my canceled checks and see that my real estate taxes are paid. What gives Wells Fargo?
XXXX XXXX XXXXXXXXXXXX To disputes XXXXXXXXXXXX XXXX XXXX office dispute Case number : XXXX I did not receive the merchandise because I came to XXXX XXXX XXXX XXXX XXXX XXXXat XXXX XXXX XXXX XXXX pa XXXX, thinking that they would fix my XXXX XXXX of my XXXX since I use XXXX XXXX, since I only need XXXX XXXX, but when they the XXXX XXXX XXXX XXXX XXXX XXXX office, when they put the XXXX XXXX on me that would have been the prescription according to them it would have been for the XXXX XXXX XXXX, when they put them XXXX on me, I could not see not even 3 feet away from me and without them XXXX I told the Dr. that Im able to see far away without those XXXX on than with them XXXX meaning that with them XXXX XXXX my far vision was off, but they when ahead any ways and gave me a next appointment for the XXXX, Im in a fix income, I have XXXX from the medical assistance office, and I been going to my regular XXXX XXXX. and he says that my far vision is better than 20/20 the only thing I need is my XXXX XXXX, my next appointment to my regular XXXX XXXX comes in XX/XX/XXXX and my last visit was in XX/XX/XXXX. That office : XXXX XXXX XXXX XXXX XXXX XXXX only wanted to take the money and wanted to take my far vision off just so I can read I only need XXXX XXXX and not my far vision to be taken off I need my far vision for everyday activities including driving, I felt like this was a sales meeting with them, because a responsible Dr. would have say well you cant see far away with the XXXX XXXX this means that you are not a candidate for XXXX XXXX XXXX because you do not need it and you only need XXXX XXXX, and I would only go ahead and do the XXXX if you want it as a want, with me and you knowing that your far away vision goes away with the XXXX XXXX which would be the prescription for the XXXX XXXX but only if you want it because you dont need it and I do not want your far vision to be taken off only so you can be able to read.

So Im not a candidate for XXXX XXXX XXXX because I do not need it, because this office base on my experience with them could find everyone to be a candidate even if you dont need the XXXX, to me I do not need it and it would have been a want that would have ruined my far vision only to be able to read without XXXX XXXX. ALL I NEED IS XXXX XXXX I DO NOT NEED ANY XXXX XXXX XXXX THAT WOULD HAVE RUINED MY FAR VISION. 
I did contact their office right away at ( XXXX ) XXXX for they to refund that money back to my credit card but they did not and on XX/XX/XXXX someone from their office called me asking me if I agree for they to refund my credit card the amount of {$200.00} dollars but I told them that I need the full {$400.00} refunded to my credit card because that is what they took out of my credit card as down payment for the XXXX and whatever they did there was misdiagnosis on my XXXX because I did not needed I need that money back {$400.00} in my credit card because I live with a budget in low income and I struggle to cover my expenses as a XXXX dad Thank you Case number XXXX XXXX XXXX XXXX
I was originally on an interest-only repayment plan. I received a letter stating that repayment plan was going to expire and I was not eligible to renew it. Before it expired I tried calling the company to find out about what payment options I had and I got jerked around for weeks. They kept telling me they could n't talk to me about it until my current plan actually expired because all they could look at was what my payment plan currently was and not what it could be in the future. They said the only way they could talk to me about future plans would be if first I voluntarily cancelled my current plan early. When it finally did expire and the new plan started, my monthly bill almost tripled. The current monthly amount due is about 40 % of my monthly net income and is hundreds of dollars more than what I have left over after I pay my other bills. I called and tried to set up a different payment plan because I could not afford what they were billing me for. They asked me a bunch of questions about my financial information and about my cosigner 's financial information. They told me that I did not qualify for any repayment plan besides the one I was currently on. They said it did not matter that it was an impossible amount for me to afford and suggested that I tell my cosigner that they had pay the difference. I 've been paying them what I can every month, but it is a lower amount than what they are asking and it 's starting to become a problem.
XX/XX/XXXX I started receiving phone calls at work from XXXX XXXX XXXX XXXX. The company is called Michael Haynes and Associates. The lady ( XXXX ) stated I'm listed as " uncooperative and unreachable '' and that there is going to be judgement against me in the state of Georgia. ( I live in Texas ) XX/XX/XXXX I returned her phone call and a man answered. I asked him to stop harassing me at work. He stated that I owed money on a XXXX credit card. I told him that I don't have any outstanding debts, and if I did it would've have been over 10 years ago. He called back from XXXX XXXX XXXX XXXX and left a nasty message on my voicemail. He said that he did a " quick search '' of my social security number and has my current address. He stated that he is drawing up papers to have me " served '' and that I will need to get a plane ticket to Georgia and appear in court. 
XX/XX/XXXX A call from same company, but another phone number XXXX XXXX XXXX XXXX. XXXX XXXX left a voicemail in reference to " processing a claim '' and " going after the full balance '' if I don't cooperate.
have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.
I settled with American Express on a balance owed in XX/XX/2014 through the services of a debt solution program. However, the charge still shows up as " Charge-Off '' on my credit report. Actually, it pops back up every month as a " Charge-Off '' which makes it seems like a new item/issue. The original balance on the card was {$1600.00}. It was settled for {$510.00}. Strangely enough, the Charge-Off amount equals {$1100.00} ; which is actually the amount owed {$1600.00} minus the amount settled {$510.00} ... 

I have attached a copy of my credit report, the agreement between the debt solution group and the AMEX Collection Group, and copies of the checks used to settle all three AMEX accounts, including the one in my complaint.
I am  XXXX   XXXX  military and received permanent change of duty ord ers in 2014. Due to time constraints I had no choice but to select a hardship short sale option as entitled under federal law. Once the sale was final, I continued to receive threatening calls from Green Tree to pay the remaining balance of which I was forgiven. I did not suffer penalty under federal tax laws. I was not informed that the reconciliation would impact my credit and was resolved to the fact that it would n't, as a derogat  ory status did not appear on my credit report for up to a year. I recently discovered that Green Tree submitted my account to collections as there is now a derogatory status from a company called DITECH. I have submitted a dispute to   XXXX   XXXX   XXXX     XXXX   shows the account as settled.
I refinanced my mortgage with XXXX XXXX currently know as CIT in XX/XX/XXXX.It was an ARM which reached its peak at 4 %. I have been paying my mortgage and am not behind however I received an escrow analysis which says I have a shortage of $ XXXX.

I tried to pay my regular amount of {$2500.00} and the mortgage company charged my bank account {$23000.00} and other like amounts for the past 2 months rendering me responsible for cancellation fees with my bank and rendering me unable to pay other bills until it was cleared up. I only authorized the payment of my monthly mortgage and escrow which is {$1600.00} principal/interest and {$950.00} escrow a total of {$2500.00}. It would only allow me to pay {$22000.00} this month which I do not have.I have submitted a letter to XXXX to let them know that this is causing me a hardship.This loan is predatory as best and I believe that I signed it out of desperation to keep my property and now when I am stable they want me to pay {$4100.00} a month or the lump sum of {$22000.00} which I do not have.The new monthly escrow amount {$1800.00} is more than the principal and interest as mentioned {$1600.00} They deferred {$100000.00} in a balloon payment and the total mortgage owed is $ XXXX. I do not know how I got the surplus in my escrow because I thought when I refinanced I was starting fresh again.I find this destabilizing my ability to stay in my home in my senior years.
On XX/XX/XXXX I applied for a payday loan online with speedycash.com and my request was immediately denied, although I work for XXXX XXXX since XXXX, XXXX, have direct deposit and would be able to repay the loan. I simply accepted their decision and today ( XXXX ) I contacted their 800 number at XXXX to request that my personal information such as driver 's license number, social security, banking and debit card, as well as my address to be permanently removed from their site and was advised that none of that information would be shared with third party companies, so they would not be able to delete it. I asked to speak with a supervisor about the deletion of my personal information and was disconnected. I want to report that speedycash.com is refusing to removed customer 's personal information even when those customers do not have a loan with them, so my information is openly available for identity theft and there is nothing I am being able to do to remove it from their site.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # which you claim my account was charged off $ This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
After 8 months of communication with Capital One and hundreds of pages of supporting documentation regarding counterfeit goods received, Capital One has declined my requests for reimbursement from the seller. Their service was pitiful and their decision incomprehensible. I will be filing other formal complaints and charges against them.