WillisBack/dataset-financial-user-claim huggingface dataset:
This is a follow up complaint to Nationstar Mortgage. They have responded to my complaint about my escrow account being used exclusively for property taxes. They claimed that they had " inadvertently, '' pulled money out for insurance back in XXXX. The truth of the matter is than when Escrow Analysis was done in XXXX of 2016, they INCREASED my monthly payment to account for the insurance. They have responded by asking my to " re-fund, '' the money erroneously sent to XXXX XXXX, where my argument is that money should have never been sent in the first place and my payments should n't have increased by {$45.00} in XXXX to account for the insurance. This is wrong and potentially unlawful.
Hello, I would like to lodge a complaint regarding all three major credit bureau 's ( XXXX, XXXX, and Equifax ). Looking over my credit reports at the beginning of this year I was worried by some of the problems on my credit report that I feel is inaccurate and false information and should not be on my credit reports. I then began investigating information on the Fair Credit Reporting Act and started sending off certified letters to each of the credit bureau 's. Each time I have requested complete proof from each of the bureau 's, all they could say was that the accounts have been verified and would remain on credit report. This is still violating Federal Law and now I seek litigation in regards to these responses and would like this handled promptly. I asked that I could see a copy or be provided a copy of the " original SIGNED consumer contract '' with my signature on it in order to be tied to those accounts. I will not take all the bureaus ' words for it and allow them to verify through the creditor 's word. 
After receiving the second letter from XXXX stating that they will not re-investigate the accounts due to already being investigated once and talking to XXXX over the phone and not getting anywhere in the results I am looking for, I then began looking for a way I can get this properly executed and resolve my issue. What the Bureau 's are doing is not the proper way of completing an investigation especially if I can not see proof of their investigation that shows they have obtain or seen a consumer contract with my signature on it. It is already past 30 days for all of the credit bureau 's and they have not followed the Fair Credit Reporting Act to the " T '', which includes not verified accounts needs to be removed immediately and I feel I am getting no where. Please I would like your help in following up with my complaint and get this resolved for me. I was having a very hard time trying to get into another vehicle and now I am stuck in a really high interest and high payment because what is weighing my credit down is accounts that are n't even mine that are on my credit report. Below I have attached documents or letters that I have sent to each credit bureau of everything that is unverified on my credit reports and also pictures of certified receipt 's showing the dates. ( NOTE : I will submit this complaint 3 times, for each bureau, and include each separate attachments ). In the letters, the second page of each letter is a section that I have signed and have had the notary at my bank notarize the letters to show that I am who I say I am. Please review the attachments and please help me resolve my complaint promptly. Thank you. 

P.S. I was n't too sure what bullet I was suppose to choose that " describes my issue. '' So I chose what I feel this issue would fall under best.
Capital One Credit Card cont. showing me that I owe them $ XXXX or more to all XXXX credit Bureaus. Why? This card was paid off 4+ months ago. 

RE : Account ending in XXXX XXXX, As requested, we 're notifying you that as of XX/XX/2016, your Capital One ( R ) MASTERCARD PLATINUM account balance is $ -XXXX. This balance does not reflect pending transactions.
XXXX XXXX 2017 {$1.00} Wrong information XXXX
Some one has been using my identity without consent the following was opened account XXXX XXXX account, XXXX XXXX XXXX year XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX auto loan, XXXX XXXX auto loan , XXXX XXXX auto loan XXXX XXXX XXXX auto loan XXXX XXXX XXXX student loan
On XX/XX/2019 at XXXX XXXX, Coast Professional called my personal cell number. They asked for me. When I asked if they consented to the call being recorded they hung up the phone.This is the second time that Coast Professional has called me after I sent them a cease and desist letter that dictated that any and all future communications are to be in written form. This is also the second complaint that I have made through the Consumer Financial Protection Bureau. After the first complaint I received a reply that " At this time your account has been updated and placed into a no calls status. We apologize for any inconvenience this may have caused ''. This is evidently not the case and this phone call is in violation of section 805 ( c ) of the Fair Debt Collection Practices Act.
I have spoken to XXXX and reinstated my account with them and paid them current. They said if I did that the collection would be removed and it has not been. I need this corrected.
There is a collection listed that I do not agree with and requested several times validation and disputed with no actual evidence of what is being collected for and proof the debt is mine ( signed contract ). Can your agency help?
In XXXX of 2014 went to the ER thinking I was going to lose my XXXX. I gave XXXX XXXX all my information including my mailing address, and insurance cards. The hospital clerk took my IDS and information and said I had no copay. I signed my patient paperwork and went to the back. Two years later I decided to check my credit score and saw this company XXXX XXXX XXXX on my credit score. I have no idea who these people are. And I need help with this problem.
I obtained a home loan from Chase mortgage in XXXX when I bought my home. In XX/XX/XXXX XXXX Mortgage bought my loan from Chase. I still use them and re-financed with them in XXXX. Chase mortgage is still showing on all 3 of my credit reports that I made late payments to them in XXXX & XXXX, when they DID NOT have my mortgage any longer. One of the credit agencies is saying it is too late to dispute because the account has been closed for so long but I am being denied a loan, for something else, because of the negative reports. 
I have attached documentation of both companies showing a mortgage at the same time. I have ONE home and ONE mortgage!!!
i have been a victim of fraud and id theft, XXXX, transunion, XXXX all 3 agencies have allowed inquries from companies that i never allowed to use my personal information to obtain or open accounts, cars store, creadit, my name is incorrect i requested all agencies to remove all inquries everyone correct the spelling of my name and updated my correct creadit scores.
The credit reporting agency Transunion is reporting an unverifiable account with   XXXX   XXXX   XXXX   on my credit report as a Deed in lieu
This company has called my work issued phone threatening to file with the XXXX County Court on a Saturday. When I asked for what, the gentleman got extremely rude and defensive. I have since blocked the calls. Now they have made several calls to my XXXX year old mother. She has told them each time to stop calling her and to remove her from the list. She decided to call and the gentleman she spoke to was rude and told her that she can not tell him how to do his job and that there is nothing stating to stop the calls.
CBE Group is still reporting unverified debt that is n't mine on XXXX and XXXX. They have not only changed the spelling of my first name that was spelled, XXXX, at first and gone back, I believe had it changed too XXXX. I have never been XXXX NOR XXXX XXXX! Have ask for verification of this alleged debt belongs too me, XXXX XXXX. And if so, send the orignal documents for XXXX XXXX and has yet to seek. They 're not only reporting a debt that is n't mine but also sold this alleged debt to another company but yet still reporting on my credit profile that they own this alleged debt.
XX/XX/XXXX I purchased a TV on a credit promo from Best Buy. This XX/XX/XXXX it was due to expire. I called someone at the credit center and asked them why the balance was higher than I thought and did my payments go to any of the promo balance. They checked and said some payments went to the regular balance which was a low amt. I asked her if she could allocate any amount to the promo balance. She checked and she said she could with 2 pmts of {$25.00}. ea a total of {$50.00}. My promo balance at the time was {$350.00} and with that credit it would be now {$300.00}. So I said are you sure it would be fixed and she assured me it would. On XX/XX/XXXX I called the payment center to make a payment instead of making it online as I always do. I talked to someone named XXXX and I told her the story and wanted to make sure the promo was correct so I made a payment of {$300.00}. When I received my statement for this month they charged me {$380.00} for interest charges accrued on the account because I did not pay it in full. I called the credit center today XX/XX/XXXX and they said they can not fix it. They said in their notes they could not fix those 2 payments so my balance was {$350.00}. I told them that I had no idea that it was not corrected and nobody called and told me otherwise. I asked to talk to a manager and she precedes to tell me the same thing that I did not make the full payment so I owe the finance charges. I then asked to talk to someone higher and they said they would have to send it to be reviewed and see the conversation and will contact me at a later time about it. I am sending a written formal complaint to the company but I am afraid that they are not going to do anything because they do not act like they did anything wrong. I would have paid the amount in full if I thought for any reason that it was not adjusted. Why would I pay the {$300.00} on time? If I did not care about the finance charges I could have saved myself some money and just pay the minimum. I do not know what else to do.
I never had an account with Citibank for student loans. There was someone else that opened up accounts in my name and I did not receive any benefits from the loans. None of the money went to my college, for my degree. Now, Citibank keeps bothering me and taking me to court. This is embarrassing because they keep sending court documents to my job. They froze my bank account XX/XX/XXXX to XX/XX/2016- when I had the issue resolved in court. They froze my account again on XX/XX/2016. They will not answer my calls, emails or fax. The only time I was finally able to talk to someone XX/XX/XXXX, the woman cursed me out and hung up on me. I never had an account with them and they keep making up this this {$10000.00} plus amount. I have sent several letters to them via mail, fax and email and they will not respond. I can not take care of me and my baby because they keep freezing my account, whenever they feel like it. This account is not even on any of my credit reports and I check several times a month. They refuse to tell me how I received this balance. They are very rude. They sent this issue over to XXXX XXXX attorneys. I am very upset about this issue.
On XX/XX/XXXX I was charged XXXX by XXXX. I had canceled my membership well before the renewal period in XX/XX/XXXX. I went into Regions Bank on XX/XX/XXXX to dispute this transaction and provided them with the cancelation number as I had not received a refund back from XXXX. On XX/XX/XXXX I received a letter form Regions stating that my claim was denied. the letter sated that my claim shows I cancelled after the transaction date! WHAT! I told Rgions this was straight up fraud by XXXX. I never authorized XXXX to charge my card and I revoked my authorization for them to renew my membership. I have tried to resolve this with XXXX and Regions and have not been able to. This charge is straight up fraud by XXXX.
On XX/XX/ 2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX
Despite my five written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of re-investigations, Transunion stated in writing that they verified that these items are being reported correctly. Transunion refused to address my request to identify who in their company verified the accuracy of these accounts or how they verified them. Transunion is not willing or able to produce a document that proves the accounts in dispute belong to me and the information being reported is accurate. The failure to provide me with verifiable proof required from Transunion to post the accounts listed below is evidence that it does not exist and therefore is proof that Transunion can not properly verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( a ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' Due to Transunion 's continued willful disregard of the law, I am filing this complaint to get the following unverified accounts removed from my credit report file. 

1. XXXX XXXX ( remove unverified account ) 2. XXXX ( remove unverified account ) 3. XXXX XXXX ( remove unverified account ) 4. XXXX XXXX XXXX ( remove unverified account ) 5. XXXX XXXX XXXX ( remove unverified account )
I was not made aware that XXXX changed their name. They stop payments on my account and then out of no where after 1-2 years began with drawing unauthorized amount from my account. They do not allow me to log into my account online or send me statements. Raised my interest. Charged me for unnecessary late fees.
I had an identity theft and provided the police report and id theft package ( we now knew who did this via the FBI contacting me ) via fax last night they claimed they never received it previously. I called to day to verify if XXXX received it, she told me she had, She said she had competed her investigation and had determined I owed the debt and that if I did not pay by credit card right now she would have me arrest and thrown in jail. I told her it was illegal for her to to try to collect a debt a debt I do n't owe and to say she would have me arrest and I demanded she provide me the method and results of her investigation in writing, she refused and finally put the owner of the company on the phone. The woman said she was XXXX and refused to give me her last name. She also said she had reviewed the account and has concluded I owed the money she also demanded payment of these debts I do now owe, I told her she was breaking the law telling me she was going to sue me, she is refusing to show the method and findings of an investigation concluded in less than 10 hrs after receiving the ID theft and police report. I plan on hiring an attorney to sue these people and need your help in obtaining their names etc so I can file a complaint against them in federal court. I have just received a very large inheritance and I now have the money to hire an attorney. XXXX of the acts is XXXX XXXX XXXX XXXX XXXX XXXX ER XXXX XXXX XXXX XXXX I I have spoken to him he has never treated me
This company contacted me about a loan said they worked for XXXX XXXX I gave him my information and was told the money would be in my account his name is XXXX XXXX and his number is XXXX I changed my password and notified my bank but they may have gotten other people
They are set up with affiliate XXXX XXXX. Misleading a consumer with very confused misleading marketing. And pulling credit bureau.
They call before XXXX XXXX and frequently during a day without leaving any messages. I asked several times to not call me but it did not work. 
They claim that they are debt collector but their information is wrong. When called back operator asked me for my personal information ; I hang up without disclosing anything. 
Their numer on caller ID is ( XXXX ) XXXX, and the displayed name is " Maryland ''. 
Automated voice does not pronounce company name clearly enough : " ... World system Incorporated ''.
i was a victim of mortgage fraud my home went into foreclosure but has since been reinstated also there is a account that appears on my credit report stating i owe XXXX on my XXXX chevy mailbu that vehicle was wrote off 4 years ago and i sent experian that complaint paper showing XXXX never responded to the Ohio Attorney General also i have disputed these account more than 4x also im very frustarted that experians credit report is being used in most of my credit denials or my higher interest rated also police reports staing possible identy theft and fraud where also sent to company as part of the dispute process now i am currently trying to refinance and get a home equity line of credit i had been going back and forth to court for 2 years for case now to be closed and i still cant move forward when i have the equity in my home now my credit score it the hold up due the the incorrect payment history amount also the XXXX account stating i owe XXXX should be removed due to XXXX wrongfully writing that vehicle off then tell me i do n't exist
We initially began the process of obtaining a refinance for our home around XX/XX/XXXX with XXXX XXXX XXXX loan company for Veterans. After being approved we decided that instead of refinancing we were going to purchase another home. This process began on or around XX/XX/XXXX. 
We found our new home, put in a bid, which was accepted, and subsequently put our home up for sale in XXXX XXXX. Each day our loan officer ( XXXX XXXX ) contacted us ( on his recorded line ) while we were working, for data and information, which was given with no issues. When they ( Underwriters ) found out that we own a business our personal information was no longer sufficient and they began requesting tax returns for the last two years ( XXXX & XXXX ), and W2s for XXXX. This information was requested s to see if our business had taken a loss even though our W2s showed an increase in our salary. They then indicated they could not accept the W2s for XXXX stating that as business owners we could have forged our W2s and  therefore requested our XXXX tax returns and profit loss statements on XXXX XXXX. We informed them that our taxes are not due until XXXX XXXX as we legally file for an extension every year which is on record, and would not be able to provide them. All W2s for XXXX were submitted to the IRS and we asked them to request the info needed from the IRS as verification. They indicated they don't due this and for that reason they will not service our loan. We began this process in XX/XX/XXXX and on XXXX XXXX, 12 days before our closing we were notified that they would not service our loan. Throughout this process we were continually told that there were no issues, while our loan officer went back and forth several times a day asking for more documents, info, credit ... etc. They cost us to lose our initial interest rate of 3.875 % because they did not lock in our rate. The rates are rising everyday and we now are subject to higher rates. At this time we are scrambling to find a new mortgage company to service our loan while having to be out of our home on XX/XX/XXXX. We will also be contacting a lawyer to look into this matter. Totally Unprofessional and Unethical. Not a good representation of how Veterans are handled.
re wells fargo bank mortgages, XXXX CFPB casses against, re wells fargo partial responce letter yet again i can not open? numerouse complaints for the same actions what is the piont sending something i can not open? so i have desputed on them grounds, Please explane why wells fargo bank can not email me they have served documants to case on me why dont they want to EMAIL
Account fully terminated in XX/XX/XXXX, however Nissan is still reporting "FULL TERMINATION/BALANCE OWING" on my credit report, causing my mortgage lender to decline my homeloan.Nissan showing account active as of XX/XX/XXXX with a balance due of $XXXX.
I don't believe this debt is owed by me because i do not recall opening the account. Please remove my name from it. Thank you.
Dear Sir or Madam, This letter is in reference to UNIVERSAL RECOVERY CORPO XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX for services provided to XXXX XXXX on XX/XX/XXXX. 
In regard to the bill on this account in the amount of {$88.00}. 
Please be advised this is not a refusal to pay, but a notice your claims are being disputed. 
Under the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 
Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account and a copy of any HIPPA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. 
In the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages. 
Sincerely, XXXX XXXX XX/XX/XXXX
I have a mortgage through US Bank. Several months ago, due to my medical condition and other short term circumstances, I fell behind on my payments, during which time I submitted a loss mitigation package to give me temporary respite to get caught back up. US Bank had said they needed more information for my package ( specifically a written statement that I no longer had tenants ), but had not informed me of such. By the time I was informed, my loss mitigation package had already been dropped ( XXXX XXXX ). Now I am in danger of foreclosure. Additionally, I was told that when I submitted the required paperwork to my POC via email, the representative I spoke with told me it was n't their responsibility to check that the document was received, and had no knowledge of whether or not it was. Furthermore, I asked for protection under the SCRA, using all proper procedures, and had no response regarding that aspect.