WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing with regard to my recently closed lease of my Honda XXXX ( XX/XX/2014 ) with Honda Financial Services. I was under the impression through my dealer that excess milaege would either be waived or reduced and rolled in to my payments upon return of my vehicle and leasing through Honda. 

This was not the case and I was hit with a bill to be paid up front with a courtesy reduction. I was going back and forth between Honda and my dealer regarding the fact that I wanted to roll it in, but I I was not permitted to so and I was financially unable to pay at the time. 
The matter has since been resolved, but I was hit with a late payment on my credit report which I feel should be cleared.
My owing {$200.00} to Pinnacle Credit Services showed up on my credit. IT WAS N'T MY BILL. Pinnacle told me that getting it removed would be shorter if I paid it. After I paid the bill they refused to remove it from my credit report. SO now I 'm out {$200.00} and still have a negative on my report.
On XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX case numberXXXX XXXX-was paid in full in the amount of {$3700.00} on XXXX XXXX, 2017. I received a letter dated XXXX XXXX, 2017 from IQ Data International Inc. Account # XXXX-Account XXXX Account representative XXXX XXXX stating that I owe XXXX XXXX XXXX {$3000.00} even though the balance of {$3700.00} is paid in full on XXXX XXXX, 2017. On XXXX XXXX, 2017 the Superior court of XXXX XXXX Acknowledgement Satisfaction of Judgement that the balance to XXXX is paid in full. Therefore, this debt should be removed from all Credit Bureaus XXXX, XXXX and XXXX
XXXX filed an order through the XXXX to withhold funds from my bank accounts with Wells Fargo. Wells Fargo removed funds from XXXX of my checking accounts and my savings account leaving me with a zero balance in all of them. The amounts that they withdrew are : XX/XX/2017 LEGAL ORDER DEBIT - CONTACT XXXX ( XXXX ) XXXX - Case # XXXX {$740.00} from my Way @ SAVE checking accouns ; Expand XX/XX/2017 LEGAL ORDER DEBIT - CONTACT XXXX ( XXXX ) XXXX - Case # XXXX {$410.00} from my At Work Checking and ; XX/XX/2017 LEGAL ORDER FEE DEBIT CASE # XXXX {$120.00} Expand XX/XX/2017 LEGAL ORDER DEBIT - CONTACT XXXX ( XXXX ) XXXX - Case # XXXX {$62.00} from my Savings account. 
On XXXX @ XXXX a judge ordered a garnishment exemption which was faxed and mailed to Wells Fargo. They have not returned my money to me. I have spoken with them on XX/XX/2017 @ XXXX for XXXX min and XXXX seconds ; XXXX for XXXX hr and XXXX min ; and XXXX for XXXX min and XXXX seconds. On XX/XX/2017, I spoke with them again @ XXXX for XXXX minutes. On that day I also went to the Wells Fargo Branch @ XXXX. XXXX XXXX and spoke with the branch manager, XXXX. She later called me and said that there was nothing she could do to help me. On XX/XX/2017 I spoke with them again for XXXX for XXXX hr and XXXX minutes. On XX/XX/<YYYY> I spoke with them @ XXXX am for XXXX minutes ; @ XXXX for XXXX minutes and @ XXXX for XXXX minutes. Today XX/XX/2017 I spoke with them @ XXXX am for XXXX minutes and @ XXXX for XXXX seconds. Some of the time was time I was on hold, but each time I was told that there was nothing they could do. They advised me to call the court. 
I have spoken with the above mention court on XX/XX/2017 for XXXX minutes ; XX/XX/2017 for XXXX minutes ; and today, XX/XX/2017 for XXXX minutes. I have also visited the court in person and each time they tell me that a check was never received and there is nothing that they can do. I asked them to please call Wells Fargo to let them know that the check was never received, but they wo n't. I asked Wells Fargo if they would call the court to ask if the check was received and they wo n't. I also asked Wells Fargo if they could provide me with the address that they mailed the check to and they said that they did not have that information. This was their legal department. 
Needless to say, I am getting nowhere fast. I am a nurse and I live pay check to pay check. I have had several insufficient fund fees charged to my account in addition to the money being held by the bank. I feel this is very unfair. Please help me resolve this. Wells Fargo is way to BIG for me to get anywhere with. I am attaching the court papers. Thanks, XXXX
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AMCA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
SW Credit Systems L.P on behalf of XXXX has placed a collection on my account that isn't mine. Its identity theft and I've advised them of this multiple times as well as XXXX.
I XXXX county school taxes XX/XX/XXXX XX/XX/XXXX.Benchmark has stated to me they had the taxed XX/XX/XXXX. As of today XX/XX/XXXX they are still refusing to release the funds to pay these taxes. There is over {$2600.00} in my escrow account. The taxes are now loaded with the court house with the tax claim department. Benchmark Mortgage has sent a {$20.00} check to get the information released. They are now refusing to call to get the figures for XXXX. I am at a loss trying to get the the funds released to pay the taxes. There is sufficient funds and still they will not release the funds. I have los time at work over this - this has caused so much unnecessary XXXX. Please help me. My property is in tax claim.
'First American Title Insurance Company of Texas XXXX / '' First American Trustee Servicing Solutions XXXX Largents have sent certified mail with return reciept of " Notice of Rescession to officers of First American Title Insurance Company.. XXXX XXXX as the successor Trustee Authorized Signatory. 
Notice to Agent is Notice to Principal and Notice to Principal is Notice to Agent. 
The Alleged creditor/beneficiary in this case is THE XXXX AS TRUSTEE FOR CERTIFICATE XXXX ASSET-BACKED CERTIFICATES SERIES XXXX XXXX 1. The live agents of respondent have joint and several, fail, refuse or neglected to lawfully respond to the Demandant's/Largent 's : Notice of Default and Notice of Default in Dishonor , Discharge of Obligation to Pay Instrument ; and, Lawful Demand for Reconveyance. Notice of Rescission Dated : XXXX XXXX XXXX. 
2. LARGENTS ' CLAIM THAT FIRST AMERICAN TITLE INSURANCE COMPANY AS TRUSTEE ... MUST CANCEL THE FORECLOSURE SCHEDULED XXXX XXXX XXXX. 
Under Title XXXX XXXX XXXX ( regulation Z ) part ( a ), a service does not have the rights of a holder in due course and therefore, do not have the right to foreclose. 
You are hereby given notice that any attempt to foreclose on my property will be construed as prima fascia evidence that you are committing fraud. 
3. Loan Information Broker, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ; Lender, XXXX XXXX Mortgage XXXX, XXXX XXXX XXXX XXXX, # XXXX, XXXX, AZ XXXX ; Servicing, XXXX XXXX LoansXXXX XXXX, XXXX, TX, XXXX Loan Type, ARM, Six-Month XXXX, Refinance, Loan Amount : $ XXXXXXXXXXXX Document Date : XXXX/XXXX/XXXX ***Violations*** ( A ) XXXX - FDIC Statements of Policy XXXX. Imprudent Underwriting. It 's important to note that in a refinance loan, the lender engages third party service providers as these services are required by the lender. Therefore, pursuant to XXXX ( a ) ( XXXX ) & ( XXXX ), the cost of third party service providers such as escrow related costs, lender required recording fees, notary fees, title endorsements, etc. or any other services required by the lender are considered a " Finance Charge '' if the lender requires the use of that service. Because the lender did not include these charges, the adjusted Amount Financed is {$140000.00}. Therefore, the Final Truth In Lending Statement ( Exhibit XXXX ) understates the amount of Finance Charges by the amount of {$380.00}. It 's also important to note that pursuant to XXXX. XXXX ( g ), finance charges may not be understated by more than {$100.00} for the purpose of damages or, pursuant to XXXX ( i ), {$35.00} for the purpose of rescission if foreclosure proceedings have been initiated. 
XXXX. Under Disclosure of Finance Charge -- I have investigated the Finance Charge as disclosed on the Final Truth In Lending Statement ( Exhibit XXXX ) by running a 30 year amortization schedule and have noted that the total of interest the lender will receive is {$270000.00}. When added to the finances charges of {$3600.00}, the total Finance Charge is {$270000.00}. Therefore, the Finance Charge is under disclosed by an amount of {$390.00}. Please refer to the Supporting documents for the remaining violations
The US Postal Service errors on an individual Change of Address ( COE ) for one member at a household address by applying the COE to other member ( s ) of the same household address. 
The US Postal Service reports the erroneous change of address to a bank and/or credit card company, who changes their records for the erroneous person. 
The bank ( XXXX XXXX ) then informs the Credit Reporting companies of the change of address of the erroneous person. 
The bank also informs the Credit Reporting companies of the change of address of a second erroneous person. This second person is on the account with the first erroneous person but was not reported by the US Postal Service as having a change of address. 
The Credit Reporting companies effect an erroneous change of address for two people. 
There is a potential for ID theft!
Debt collection agency is trying to collect on a debt that does not belong to me. I sent the debt collector a letter to validate the debt on XX/XX/2018 and the debt collector has not responded to the debt validation request. 

This company is illegally trying to collect on a debt that does not belong to me. This company is trying to collect on a recycled debt.
I am writing to you, because staff from Navient loan company reported inaccurate information lowering my credit score. after I have already spoken to someone and submitted my documents to them they still went ahead and reported that I am late on a loan that I requested to be put on forbearance. I resend the information by mail and by e-mail. This is not the first time that they have done this and I have made numerous attempts to get the matter resolved but was unsuccessful. please investigate this matter and report the correct information to the credit bureau. 

Thank you XXXX
Hello, I am having an issue with Lakeview Loan Servicing , LLC  XXXX .  XXXX   XXXX   XXXX   XXXX , VA  XXXX . I Paid my loan down to under  80  percent and submitted a request to remove PMI through an online portal submission. I did not get a response at all so I called customer service and the representative i spoke with said that I had to submit in writing through the web portal. I explained that I had already done so. She checked and did not see any requests for me. She suggested resubmitting and said that she could not help me. I resubmit, still no email confirmation or anything. I wait a few days and call back. This time the  Rep said that I had to be under 78 percent or they would n't even pay attention to my request. I have been current over the life of my loan and though the documentation is confusing I believe that I should be relieved after 80 percent at my request. Well I went ahead and paid the loan down to below 78 percent and submitted the request again. It has now been another 2 weeks and I still have heard nothing. Three requests and two phone calls over a month and I still have not received a response. I believe that this co mpany is trying to continue charging me PMI illegally.
On   XXXX   XXXX  , 2017 I paid my collection to   XXXX   XXXX   XXXX   for a debt owed to   XXXX   XXXX   XXXX   in the amount of {$350.00}. In the last two months I have been recieving phone calls from Diversified Consultants from a North Carolina number ( each time a new number but always from NC ). I have informed them multiple times that I have already paid this debt to another agency. I even called the agency and  XXXX  and verfied that it was paid and the debt is no longer owed. Today (   XXXX   XXXX  , 2017 ) I recieved another phone call and the gentleman began to have an attitude/nasty with me when I informed them once again that I did not owe and I would not be paying them. I do not owe this debt and I would REALLY like to stop recieving phone calls early in the morning from them. They call me at least 4 out of 7 days in a week. Enough is enough.
In the summer of XX/XX/2016 my car was totaled out due to hail damage. I had financing on the vehicle through Capital One. I still owed several thousand on the loan. Capital One came up with a payoff quote. During the period where I was exempt from making monthly payments, I was in contact many times with Capital One trying to confirm when the full amount of the payoff needed to be made. Each time I talked to one of their reps they gave me a different answer on when it needed to be paid. This led to confusion, obviously. I did not have a clear idea of when the payment needed to be made. It was only the last time I called concerning the payment time frame that the rep I talked to absolutely assured me of the actual due date. I immediately set out to get a loan to cover the payment. My bank sent the check to Capital One. Capital One reported that the check arrived a day late so they dropped my account into a collection/charge off status. It dropped my credit score from XXXX to XXXX. Capital One received the payment and the account was closed and current. But they still proceeded to put that remark on the account. My credit report, showing the details of the payment history on the account showed that I was delinquent starting in XXXX which is false. I have a document from Capital One stating that the payment was indeed due in XXXX, as the final rep had told me, which is when I paid. 
In the weeks that followed, I was in contact with Capital One trying to figure out the issue and why the account was in a negative status. The first rep I talked to claimed that the bad remark would leave my credit report after they reported it to the credit buereas. Which was false. The next rep I talked to claimed that the bad remark was to NEVER leave my credit report. Which is also false. I have continually been misled by Capital One and it has affected my credit score and ability to consider purchasing a home, a new car and several other things. I have disputed the bad remark with several credit reporting outlets and directly with Capital One, to no avail. I think the actions of Capital One have been very unprofessional, petty, and vindictive.
I have sent validation letter after validation letter. The last two requests I sent out on XX/XX/2018 and I sent them to the addresses listed on my credit reports XXXX  XXXX/ XXXX- address : XXXX. XXXX XXXX XXXX, OH XXXX. I track the letter by using certified mail in which they received the document on Monday XX/XX/2018. They have failed to send me any information on validating the debt yet I received documents from XXXX XXXX in regards to the debt. When I checked on XXXX to see if the debt had been listed as being disputed it had not. However listed under XXXX  XXXX/ XXXX  and also under XXXX  XXXX/ XXXX they both state " Transferred to another lender or claim purchased ''. The debt has not been validated by either company and if the account has been transferred to another lender or claim purchased why are they still showing on my credit report as negative items. The debt has not been validated but yet they will not remove these negative items from my credit report. This is not right. If it is purchased by another lender why are they not on my credit report as me owing them a debt. I would like this investigated. I have all do documentation and will be uploading it. The amount they state I owe is XXXX which XXXX XXXX XXXX state I owe them. They have not given sufficient documentation either to prove I have accumulated this debt. I have no such knowledge of owing either of these companies which includes " XXXX XXXX XXXX, XXXX XXXX/ XXXX  or XXXX XXXX/ XXXX  .
Common Wealth Financial attempting to collect a debt not owed. Original creditor was provided with the necessary information to obtain payment and failed to do so. Common Wealth Financial was also provided the same information and refuses to correctly bill and or remove the item in question from my credit report. The amount of {$1000.00} should not be on my credit and or owed and was recently updated as supposedly accurate on XX/XX/2018 after a dispute that was filed where the information was again provided.
What is the complaint about? 
My complaint is about a credit card that I owed in 2007, in the amount of {$3000.00}. I received this credit card in 2007 and I used the card to purchase plane tickets to go see my husband, at the time, who had just gotten out of Basic training, in the XXXX XXXX XXXX. The agreement was that if I purchased the tickets, my ex-husband would reimbursement, after he got his sign on bonus, but he never got all of his sing on bonus, so we were not able to pay the credit card back. 
What type of problem are you having? I took out a personal loan to pay off my credit card debt and XXXX XXXX, XXXX, placed a bank levy on my checking account and took {$8500.00} from my account. The Law firm sued me on behalf of a company called XXXX XXXX XXXX. This company bought my debt from Wells Fargo. I was not able to pay off my credit card debit or my bills and maintain a living, because of the bank levy that was placed on my checking account. In addition, the original credit card was only {$3000.00}. I did not even know I was being sued, because I never received a letter, summons or anything. After the bank levy was placed on my account, I called the bank and the bank gave me information on how to contact the debtor. Only, then did I find out what I had been sued for. Apparently, the letter went to my Mothers house, and she had no knowledge, because she is XXXX. 
What company is this complaint about? The original debt was with Wells Fargo but XXXX XXXX XXXX bought my debt. 
Who are the people involved? The people involved are myself, XXXX XXXX XXXX and my children, XXXX, XXXX and XXXX XXXX, all of which had to suffer because of this hardship. The Law firm is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, the company who either bought my debt or a collection agency and Wells Fargo, the original debtor.
XXXX. XXXX faxed insurance check to be cosigned by Bank of America. Called on XXXX XXXX regarding status and they only " scanned '' check on the XXXX of XXXX. Today is the XXXX of XXXX and still have not received cosigned check. Their policy states the check will be cosigned and returned in 4 business days.
On XXXX/XXXX/15 Bank of America changed to XXXX. XXXX bank kept my checking account XXXX dormant savings while Bank of America kept my larger saving account and credit card. My payroll check is divided into my savings and checking. There in no Bank of America near me and my calls once I got through, a week later including visiting Bank XXXX XXXX with over XXXX people in the lobby on XXXX/XXXX/15 without being able to speak with anyone I found out yesterday that the only way I could transfer my money from Bank of America was to transfer the money with a charge. This was very deceptive in my eyes and have been totally blindsided and inconvenienced by Bank of America.
I have an outstanding debt with XXXX which has assigned Contract Callers , Inc to collect this debt. First, I never received notice of debt owed, I only knew of it when it showed up on my credit report this month. I am trying to get approved for a VA mortgage and the credit counselor said I needed to pay the debt in full and get a deletion. So I contacted CCI to do a pay for delete and they said that their XXXX contract doesn't allow them to do a deletion only updating credit report but for me to call XXXX to have them ok CCI to do the deletion after full pay..I called XXXX collection department and they had no idea what CCI was talking about, they said as long as it is paid in full they could delete it. Called CCI back and they said oh you need to call client services at XXXX which they have no phone number for..basically giving me the run around. All I want to do is pay my debt in full and have them delete it from my credit report.
Original account was with XXXX XXXX XXXX  and the account was closed and charged off as a bad debt. It was sent to a collection agency in XXXX XXXX, KS and I was making payments to them until hard times fell for medical situation in my family. I received nothing new from the original collection agency or the bank whom the debt was with until I was paying on a bill thru XXXX  XXXX XXXX, attorney also does business as the Collection Bureau of Kansas. I disputed owing him any money on the account as I was in no contract with him or his business on a debt that had been closed and charged off. I received nothing back from Mr. XXXX validating the debt and I have been paying on a debt in his office for XXXX XXXX in which my last payment was mailed in with ALL ACCOUNTS PAID IN FULL. Mr. XXXX office has returned the payment and refused it because they say I owe them the account for XXXX XXXX XXXX that I have disputed and have never received validation on. I have contacted the bank to try and resolve this since the original collection agency did not report the payments that they received from me. Numerous times of trying get resolution through the bank and nothing until I reached our to XXXX the branch manager of the bank I went to and he advised they changed collection agencies to XXXX  XXXX XXXX this year. He did advise me that I could pay the bank or the new collection agency. I am disputing this because Mr. XXXX did not follow the FDCPA in validating the debt balance, etc. and he has not only refused my money for my other debt but failed to notify me that all attempts had ended and they were taking legal action. Today I received a limited actions docket hearing order from the district court. His office is very rude and disrespectful and they do not adhere to FDCPA rules when attempting to collect a debt.
I have no idea who or what this is. Never received a bill never received a phone call or any correspondence what so ever. I just found in on my credit report and have no idea what it is.
I deposted XXXX XXXXitcoins ( ~ {$90000.00} ) worth from an external wallet to XXXX ( Coinbase 's trading platform ), and I got an email from Coinbase saying they received it.

Then, I get consecutive emails of them saying I have to move it from Coinbase to their trading platform manually. Finally, a last email saying they 've actually moved it to the exchange for me so I can trade it. 

It 's nowhere to be found. It 's still pending. What should be an instant transfer is not going through and nowhere to be found. 

It 's like moving money from your Checking account to your Savings account and not finding it anywhere.
I have tried 3 times in 6 months to get my free annual Experian credit report on line and by phone. On line does not do anything and no one answers the phone.