WillisBack/dataset-financial-user-claim huggingface dataset:
RE : Loan XXXX - XXXX Loan XXXX - STEARNS Property : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

1. I, XXXX XXXX, refinanced with XXXX XXXX on XX/XX/2018. Stearns was my existing payoff lender, and sent a payoff good through XX/XX/2018. 

2. The Funds from Title went to Stearns on XX/XX/2018. 

3. Stearns and XXXX XXXX both confirmed that Stearns would transfer the funds to XXXX XXXX. Instead, The payoff funds were held by Stearns, and then returned back to escrow. 

4. Escrow immediately notified me on XX/XX/2018, and I requested an immediate wiring of funds to XXXX XXXX, since Stearns was not accepting the payoff funds. 

5. Because payoff date was erroneously labeled as XX/XX/2018 by XXXX XXXX, I was now SHORT of funds to XXXX XXXX. XXXX removed money out of my escrow balance to cover the difference. 

6. This is the problem : My funding/recording date is technically XX/XX/2018 NOT XX/XX/2018. I have been paying interest to BOTH XXXX XXXX AND Stearns/XXXX during this overlap. 

My Escrow Balance should be {$2600.00} NOT {$2000.00} My Principal Balance was {$420000.00} after XX/XX/XXXX Payment was made. 

- See attached final closing statement from title to prove funding date of XX/XX/2018. 
- See attached Grant Deed from county to prove recording of XXXX XXXX was on XX/XX/2018 - See attached payoff from Stearns that it was good through XX/XX/2018 which is past the closing date of the refinance. 
- See Escrow Balance on Account History and Mortgage Statement. And See Attached Check Receipt on my refund of only {$2000.00}. Stearns/XXXX overcharged interest, and took it out of the escrow account.
I have challenged address on my report that doesnt belong to me and they have refused to take them off my credit report.
I have tried submitting disputes org XXXX about errors on my report but it does not save. If I try to start a new one it wont let me and says my information doesnt match there records even though I had previously started one without a problem. 
XXXX  makes it extremely difficult to dispute an error. The score they give is dramatically different than other credit agencies. 

XXXX does not process applications or report current information to credit bureaus. It keeps increasing my balance for no reason and the account is deferred while I consolidate and change servicing companies. XXXX has thousands of complaints but no one will do anything about it.
I would like to dispute ( AGAIN ) Portfolio Recovery Associates , LLC for the matter of {$420.00}, Original XXXX. This account was removed from my credit report back in XXXX by XXXX XXXX and yet it is STILL updated as late as XX/XX/2015 to my credit report. Please correctly update you credit files and DELETE this account, finally, from my credit report. It was deleted and can not be reporting to my name any longer. The debt was settled for deletion. I would like this removed immediately, because I have disputed this account XXXX times since XXXX and NOTHING has been done to correctly remove it from my name yet. It was scheduled for deletion, according to this letter, in XXXX.
About 2 years ago someone compromise my ss # and did a lot of fraudulent activities in my name. I filed a police report and submitted to all 3 credit bureaus. Well it had happened again. I have 3 medical report a on my credit report all 3. I did my investigation and all 3 accounts were opened up in XXXX. I have lived in XXXX XXXX XXXX  since 2012. These are not my accounts. I have submitted my I.D.and ss # card to all 3 bureaus. There are credit inquiries that I have researched as well. These business are in different states car dealerships in XXXX XXXX. I live in XXXX. I am asking removal of all 3 debts and inquiries.
This account was closed in XXXX XXXX. Recently, in XXXX XXXX, I received a bill, which stated that I owe {$120.00}. I have enclosed copies of the billing statements from XXXX XXXX, through XXXX XXXX. 

As you can see, prior to the closing of my account, the bill was always paid in full. It was in XXXX, and according to the information I received from Barclay 's, my account was closed effective XXXX XXXX, XXXX, after payment in full of the {$130.00}, which resulted in a zero balance on the account. 

Thereafter, in XXXX XXXX, after the account had been closed for a month, I received a statement, which had an automatic charge XXXX. 

First, I had cancelled my membership with XXXX, effective, XXXX XXXX, XXXX. 

Second, and more importantly, the credit card account had been closed on XXXX XXXX, XXXX, so the card should not have gone through for a XXXX XXXX charge. 

Therefore, the charge from XXXX for XXXX XXXX was disputed. When I contacted Barclay 's in XXXX XXXX, after receipt of the XXXX XXXX statement, regarding the disputed charge, I was told it would be looked into. For the next six XXXX months I checked the statements, which were received from Barclays. For each of the statement from XXXX XXXX, to XXXX XXXX, the " Minimum Payment Due '' was stated as " None ''. 

Thereafter from XXXX XXXX, through XXXX XXXX, a full three ( 3 ) years after the credit card had been canceled and the account closed, effective XXXX XXXX, XXXX, the " Minimum Payment Due '' was stated as " None ''. 

Now, over three years after the disputed charge was first brought to the attention of Barclays and over three years of receiving statements, which had " Minimum Payment Due '' was stated as " None '', there is a request for payment of {$120.00}, which includes service charges.
In XX/XX/2017, I received a copy of my credit report. In detailed it listed an account by XXXX XXXX- XXXX XXXX ; I have never opened, signed, or agreed to this account. Unfortunately, my account was sold to a third party XXXX XXXX that has called excessively stating that they want to collect a debt for {$520.00}. I have sent in numerous letters to credit bureaus asking that this collection be removed unless validated. In return I am sent a copy of a billing statement, that does not have any information except my name and an old address at the bottom of the page. This document has no signature and/or account number showing proof that I opened this account. I am simply asking that XXXX XXXX and XXXX XXXX remove this debt from my credit report immediately ( all 3 Credit Bureau 's ). I am asking that they no longer harass me about a debt that I am not aware of.
What is the point of consent order : XXXX if the credit collection agency does not have to follow it and the courts ignore it? 

I provided the order in court and the credit collection agency squashed it and the judge would not let me use it to refute the character of the credit collection agency. In fact when I asked the custodian of record was he familiar with the order he said he had never even heard of the order. And the lawyer for the credit collection agency was not concerned about the order as well. In fact he treated it like it was a peace of paper that need to be placed in the garbage. 

A judgement was issued against me based upon the invoices from the original creditor and a bill of sale that did not list my account or connect me in know shape or form to the collection agency. The bill of sale was filed 1 hour before the trial with the courts despite both sides agreeing to participate in discovery. I know you ca n't help me but I just wanted you to be aware that portfolio recovery is not following the consent order and its employees are not even aware of the consent order. 

I am attaching documents from the court case to this email to verify my concerns to you. All the records are public domain. Here is the website for the records XXXX and here is the case number XXXX. 

If you do not have the authority to make them comply please let the public know because if I knew they did n't have to comply I would have settled with them back on XXXX XXXX 2015. I looking forward to a response to my question.
Per attached letters from XXXX my account was only XXXX time XXXX,XXXX,XXXX,XXXX,XXXX,XXXX late and XXXX XXXX was open from XX/XX/XXXX to XX/XX/XXXX. Per the attached credit report neither of these accounts are reporting as their letters state.
I was contacted by my old apartment complex saying I owned XX/XX/XXXX rent. I told an associate that I was leaving because I was XXXX. My lease was up on the XX/XX/XXXX and I left out late XX/XX/XXXX. I turned in my keys, I didn't think I needed to give them my XXXX   since my lease was up. They called me and told me about the debt, I then emailed my XXXX  and they told me that they could not take that.
I contact my Doctor office to see did I have an outstanding balance, and they said know. 
The law is clear, they suppose too contact me first. And they did n't do that! .Since they violate the law, they should remove the negative information.
I am a XXXX XXXX, XXXX XXXX military member who was XXXX 6 months ago. I received XXXX XXXX as a result. USAA Federal Savings Bank is causing direct and possibly irreparable harm to my credit worthiness through predatory lending practices. USAA closed my credit account after reciving my ( {$3000.00} ) payment with no notice. USAA received regular payments as per normal credit card use and this was a voluntary payment made to them beyond my normal payment. Apparently, while I was in the XXXX XXXX clinic, one payment was a few hours late. I was sent a letter on XX/XX/2018 informing me that they were closing my account. When I called the stated reason I was late on a payment and that I had an account balance change ( I.e I payed it off ). I totally agree that USAA has the right to lend to who they want. The harm comes in that, as they closed the account and lowered my available credit, they have damaged my credit worthiness, even when I pay 50 % of all my outstanding debt in a single month. I have payed them significant sums of money, as agreed. In response, they take your repayment and close your account, but the. Damage my credit, because I paid them more than the agreement. It sickens me that they will destroy the credit of a XXXX XXXX   veteran who is going through a XXXX XXXX XXXX to be XXXX XXXX, because I paid them back. They closed my account ( damaged credit worthiness ) because they couldnt drag any more interest off a XXXX XXXX.
I've attempted to obtain SCRA benefits for my account multiple times, and each time after providing American Express with the document requested ( XXXX XXXX orders ) nothing happens with no explanation. I am quite frustrated American Express is treating their legally required duties with the least amount of effort.
I attended XXXX University and had to get loans to cover the cost as I had to pay for school myself. The monthly payment now is going to be right at {$600.00} a month. I have spent two months calling XXXX XXXX ( now Navient ) telling them that I am willing to pay my loans back but I would need to get the payment lower because this is going to be a high expense. Also I have had employees of Navient state that my payment is very high. After repeated calling I just keep getting the same answer which is " your disposable income is too high for us to lower it '' but I am living at home because I do not want to be in a financial bind when I do move out. I just do not see how when they have someone who is willing to pay them, they will not even try to work with me on this. Also I co-signers but they are my grandparents and I have told the company that I am the only one who is going to make payments due to my main co-signer having XXXX.
XX/XX/XXXX  , I requested verification of debt a nd two late p ayments, it has now almost been 11 months and I have heard nothing other than them sending a credit report which does not prove anything. Per the FD CPA 807 [ 15 USC 1962e ] this is a  violation
Hi, my name is XXXX XXXX and Ive been selling on Paypal.com for a couple of months now. Ive never had one problem with PayPal. I never had any disputes, illegal transactions, nothing along those lines. My sales have all been ligitimate and proven for with receipts. 

On XX/XX/2019 at XXXX XXXX, Paypal decides to permanently ban my account. In the email they do not give a valid reason why. I have over $ 2,000+ dollars in the account that needs to go towards XXXX XXXX. Paypal Customer representatives have been very disprespectful towards me when I ask for clarification as to why I cant have my money. I literally have done NOTHING wrong.  Ive asked to speak with managers and they were no help. Ive asked to speak with supervisors and they were no help. Please help me retrieve my money back.
I have received several calls ( Assume it is Ace Cash Express ) XXXX ) that the Attorney General has requested the State Police to Arrest me for an uncollectable debt. That within XXXX hours they will pick me up.
Calling both my place of work and my family members. No details just that they are a debt collector and want me to call them back at XXXX referencing case XXXX.
on XX/XX/XXXX I went online and pulled my annual free credit report this included XXXX  's, XXXX  and Experian information on my credit. I then disputed a number of accounts they listed were still open that should have been closed, i.e. XXXX  XXXX XXXX XXXX XXXX which is an account I closed on my behalf last year. XXXX  and the others is showing that this account is still in my name. Also XXXX and the others is showing that I still have an auto loan with XXXX XXXX from XX/XX/XXXX. I disputed this online at their web site that this account is paid off and should be closed. When I checked XXXX  and the others again this week I found that they did not correct the XXXX XXXX XXXX or the XXXX XXXX account and correct this infomation.
XXXX XXXX XXXX and XXXX XXXX has advised that i owe a debt to XXXX XXXX  - The Initial Phone Call the agent was extremely rude, condescending and extremely difficult to communicate with has she repeatedly cut me off and over talked me. 

This debt was a result of an ex boyfriend stealing my credit card and using it, i did not know about the debt - once i was made aware i paid it in full in XX/XX/2018. 

I contacted XXXX XXXX and they transferred me to the XXXX XXXX - XXXX XXXX to pay the account in full. I did so, i have a paid in full letter. 

I contacted XXXX to verify how long it would take for my credit bureaus to update as paid and they transferred me to NAR - NAR stated the debt was still owed and thats ' when the agent refused to let me speak. 

I advised XXXX XXXX on the call, i paid the debt in full - she advised me to email a copy of the letter. 

I emailed the letter twice and received an additional inquiry in regards to the debt XX/XX/2018 stating it was still due. I have reached out to NAR now 4 times advising i have paid this debt and there is a disconnect in communication - where they are not understanding or updating this information. 

At this point i do not know what else to do, besides get an attorney involved.
We sold our home. During the closing process, our title attorney requested, and received, a payoff letter from Suntrust Mortgage. On receiving this letter, he noted that there was a typo in the through date provided at the start of the letter, but not in the terms listed at the bottom. Given the nature of the transaction, he verified with Suntrust that the payoff amount was correct and the typo would not effect the closing of our home. Suntrust Mortgage assured him that the payoff amount stated in their letter was correct and nothing would hold up the closing of our home. Our attorney verified this on at least 3 occasions, and so we proceeded with the closing and paid Suntrust in full according to the payoff quote Suntrust had given us. 

The next day, our title attorney contacted us stating that Suntrust was demanding an additional XXXX dollars. As we had been assured on several occasions that the payoff was correct and our attorney seemed unclear on why, exactly, Suntrust was requesting additional money, we called Suntrust Mortgage to speak to a representative about this request. After several hours of back and forth and general confusion, we were told this XXXX discrepancy was due to the typo that we were assured would not be an issue. 

After another few hours of explaining this situation over and over to different reps, all who seemed unable or unwilling to forward us to their legal department to dispute this and, instead, continued to inform us that this money was owed because of a typo that we were fully and excruciatingly aware of at this point, we were informed that Suntrust was very sorry that they had made this mistake no less than 4 times over the period of a month but they are issuing a new payoff quote. 

They have yet to issue a new payoff or, in accordance with their own terms also set forth on the initial payoff quote, refunded the over {$100000.00} paid to them so that we can issue them another check. Until this matter is resolved, we can not close on our new home.
I tried to freeze my credit with Equifax and made it through their system on XXXX. Unfortunately, the PDF that displays your PIN to unfreeze the account never loaded properly, therefore I have no way to lift the credit freeze in the future for Equifax. I then tried calling Equifax on multiple occasions where most of the time I could not connect to them and the time that I did I waited on hold for approximately an hour. 

I understand that their systems are jammed with people calling and using their website but I still need my PIN.
I had received a promotion in the mail from Chase offering {$500.00} to open a checking and savings account with the exception of having XXXX in savings and direct deposit in checking ( {$25.00} ) in which i followed through and provided a check in the amount of {$15000.00}. ( XX/XX/2018 ) The account was set up at Chase ( XXXX XXXX ) XXXX Texas location and was given a direct deposit slip to provide to my employer. A few days later I receive a letter stating they would be closing my accounts so I went to the branch office and spoke with the branch manager ( XXXX XXXX. XXXX XXXX he called Chase to see the reasoning behind the issue and stated they do not have to give an explanation or reason as to why they have chosen to close the account. This has made me very upset and feel as if they have provided false advertisement and misleading.
XXXX XXXX XXXX has my previous account ( XXXX -- ended in XXXX 2014 ) in collections ( XXXX, phone : ( XXXX ) XXXX, partial accountant number XXXX ) because XXXX states I signed a contract for reactivation of XXXX of my XXXX cell phones ( XXXX ) on XXXX XXXX, 2014 which made me break the original contract by getting XXXX new phones/contract with XXXX on XXXX XXXX, 2014. 
I DID NOT SIGN A REACTIVATION CONTRACT WITH XXXX. 
XXXX WILL NOT PROVIDE THE CONTRACT SUPPOSEDLY SIGNED BY ME. 
All credit companies have this incorrect information in the amount of {$310.00} and XXXX refuses to show documentation of this supposed documentation. 
I have been disputing this incorrect charge since XXXX 2014!!! 
I signed a contract with XXXX on XXXX XXXX, 2014 when all three phones were no longer in contract with XXXX. 
Now XXXX has bought out XXXX ; so XXXX is now XXXX. 
The new " XXXX '' is updating all XXXX XXXX clients with giving them new Android XXXX XXXX 
I can not received new XXXX because of this incorrect collection statement on my credit reports .... EVEN THOUGH IT IS XXXX 'S FAULT. 
My credit score has suffered immensely because XXXX refuses to provide the documentation that I supposedly signed a reactivation contract. 
Unbelievably, some of my insurance premiums went up because my credit score went down because XXXX will not provide the documentation. 
I can not get a lower interest rate on refinancing my house because my credit score went down because XXXX will not provide the documentation. 
This incorrect collection accusation is causing havoc in my life not to mention if it is not taken off my credit reports, the incorrect collection will follow me the rest of my life. 
Again, I have been disputing this incorrect accusation since XXXX 2014. 
If XXXX can not provide the 'signed contract of reactivation '' which I did not sign, then they need to recognize a mistake was made on their part somehow, somewhere, sometime and admit to it. 
When I call XXXX, Customer Service says they can see where I have reactivated the phone on XXXX XXXX, 2014 but they can not find the contract. 
I say, " If you can not provide a signed contract, then you have no proof to accuse me of signing the contract ''. Customer Service says I am right, but there is nothing they can do as it is already in collections. EVEN THOUGH I BEGAN CALLING THEM XXXX 2014. 
Please request XXXX to provide the contract, or copy of thereof, with my signature on it or admit this collection charge is in error and remove it from my credit reports. 
Thank you, XXXX XXXX XXXX
Experian unilaterally decided a compliant did not come from me and refused to move forward on requested corrections and disputes
I recently sold my home at XXXX XXXX, Washington MI XXXX & paid off my LoadDepot mortgage. 
I refinanced my home with LoanDepot in XX/XX/XXXX. I contacted LoanDepot in the summer of XX/XX/XXXX when I received notice from HUD that during my refinance, their title company FNTitle, missed a lien on my property for {$37000.00} filed in XX/XX/XXXX when I went through a modification. HUD demanded payment in full. XXXX advised this lien was forgiven when I contacted then for a payoff to refinance. XXXX advised since I had made my payments on time for a minimum of XXXX years, HUD had forgiven the portion set aside. The HUD representative I dealt with, advised XXXX had been telling everyone the same thing. XXXX did not disclose the lien on LoanDepot 's closing statement. Both these actions made me believe I did not owe this money. I sold my home in XX/XX/XXXX, and was also surprised that XXXX company missed XXXX {$15000.00} lien filed in XX/XX/XXXX by my ex husband, XXXX XXXX My ex had told me he wrote this debt off but obviously did not as I had to pay THAT LIEN as well when I closed on my sale of my XXXX home. Had either of these liens been disclosed or acknowledged by me, on the closing statement, I would not have completed any refinance on my home with LoanDepot or any other company. Needless to say, I would not have QUALIFIED for any refinance had these debts beed discovered and/or disclosed. I paid LoanDepot, {$7300.00} to refinance my home for which I did not qualify. This amount included {$860.00} for a title search to their title company for which I was not named as an insured! I also paid an attorney {$970.00} to try and fight the HUD debt which also failed. 
At this time, I am requesting a full refund of my closing costs as LoanDepot did not disclose these liens and did not disclose or process a full title search, I paid for. I believe LoanDepot did this intentionally to collect {$7300.00} in funds for refinancing. A title company missing one lien on a property might be a mistake, however unacceptable. When they miss XXXX liens on a property, I believe I have been a victim of fraud. I contacted LoanDepot on XX/XX/XXXX to request a refund of my closing costs and gave them until XX/XX/XXXX to reply. To date I have only received an acknowledgment
I check my report often to make sure my information is reporting accurately. Last year I was a victim of identity theft and had several accounts removed because someone fraudulently used my personal information. I received a notification from my credit monitoring service that an account has been listed on my credit reports. It is reporting under the company Professional Placement Services as a collection for {$50.00}. I have never heard of this company and have no idea who they are. I was never sent any notice or letters in the mail, therefore I have not had a chance to dispute this inaccurate information before being placed on my report. This a violation of my rights and I want this account removed from my credit reports immediately!