WillisBack/dataset-financial-user-claim huggingface dataset:
Please refer to reference number XXXX. To date I have received nothing in the way of a refund from XXXX XXXX XXXX. After due consideration it occurs to me that Capital One Bank is complicit in the failure of my attempts to get my money refunded. It has now been over a year that I am out the money. I contracted with XXXX XXXX XXXX. My credit card payment was made to a company that I never heard of : XXXX XXXX XXXX. I had Capital One stop the payment which they did. The following month they played judge and jury and awarded the money again to XXXX XXXX XXXX. XXXX XXXX XXXX never provided me with the documents to dispose of my time share condo, but they told me that they would cancel the contract. Consequently I believe that perhaps it is Capital One Bank that owesme the refund and then they can debit Way to Go Travel themselves.
When applying to Wells fargo bank i disclosed to the bank officer my current XXXX XXXX   credit scores and to verify if my score would be acceptable for approval. The banker did not disclose to me that Wells fargo uses a different scoring model of XXXX score XXXX and approval would be based upon that factor, which led to the denial of credit.
I disputed a collection with Diversified Consultants which claim that I owe them {$610.00}. They have not sent me validation bearing my signature that this debt is mine and I 'd like this collection removed from all of my credit reports
I have been getting unwanted sales calls from my mortgage company, Freedom Mortgage. They are trying to pressure me to go further into debt with them by taking out a second mortgage or a home equity loan. I told them that I did n't want to receive these sales calls, but they keep calling anyway.
I am disputing a transaction with the XXXX issued by USBank ( " XXXX XXXX '' ). 

I have paid {$XXXX} from this card via XXXX to a tour operator based in XXXX. The services provided by the tour operator did not match the description that was provided by the company sales representative. I have documentation to prove this. 

I have brought a dispute with the credit card company ( USBank ). However, USBank refuses to consider the documentation I provided, repeatedly promised to reopen or escalate the case, but did not do this. Essentially, my dispute is being dragged to slow death. I am given runarounds and statements that the bank " ca n't do anything ''. 

The charge was onXX/XX/XXXX, {$XXXX} to XXXX. 

To reiterate, I was sold a service and what was provided did not match the description by far.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open:XX/XX/2016 Balance : {$12000.00} Company : XXXX XXXX XXXX  XXXX Account XXXX XXXX Date Open:XX/XX/2016 Balance : {$1100.00} Company : XXXX   Account # : XXXX Date Open : XX/XX/2016 Balance : {$2000.00}
Looking for refi I responded to ad on XXXX by Watermark XXXX stating " no fees '' with 4 % rate. At initial phone contact, was told there WOULD BE a fee to get 4 % rate but was nominal ( about {$1000.00} ) because " lender '' provided a credit of {$1900.00}. This was on XX/XX/XXXX. Everything they wanted was submitted when requested or within a day or two. On XX/XX/XXXX my loan was " formally approved '' and requesting a few more docs to " comply with underwriting requirements '' ; these docs were sent within 24 hrs or less. On XX/XX/XXXX I got another " congratulations, your loan has been formally approved '' email. All this after I had arranged IRA disbursements, provided bank statements and two years tax returns. 
XX/XX/XXXX email " I should have the clear to close this week '' but now they wanted IRS transcripts which they should have requested much earlier. I have to obtain and provide them. 
XX/XX/XXXX ( approx ) NOW, after two " approvals '', I am told my IRA funds are insufficient and they need more income sourcing ; this was provided. 
XX/XX/XXXX I receive disclosure doc showing lender credit of {$1900.00} has been rescinded and replaced with {$130.00} credit because " rate lock expired ''.
I sent complaint CFPB # XXXX in 2017, about XXXX XXXX XXXX 's Escrow Fraud. I hoped that was the end of it, but 2 months later XXXX   transferred the servicing of my loan to Specialized Loan Servicing and it all started again. XXXX or SLS can NOT show that I ever actually signed up for any escrow what so ever. I DID NOT ASK FOR AN ESCROW ACCOUNT! I have asked for proof that I did, over and over, and they just ignore that part. I have NO escrow account with either company yet they say that I owe over {$3000.00} for this imaginary escrow. I do not! 
After answering to you, they suggested that I have an escrow for home insurance. I made 2 large payments, but they did not pay the premiums for my home insurance with XXXX XXXX and my insurance was cancelled! I worked out a payment plan to be reinstated and demanded that any money from XXXX or SLS be returned. For this current year, I have already paid monthly insurances ( home ) and total flood and taxes. SLS continues to demand thousands from me even though there is nothing to pay. 
SINCE I NEVER SIGNED UP FOR ESCROW, THEY MUST STOP THE HARRASSMENT. THEY PLAN TO FORECLOSE!!! They have resorted to sending back my monthly mortgage payments. I suspect they will then be saying I am " behind '' in my payments? 
I AM ABOUT TO LOSE MY HOME OVER $ 3,000+ which I do not owe and can not pay. I have made my mortgage payment every month. I WANT AN HONEST PAYOFF AMOUNT WITH NO IMAGINARY ESCROW, SO I CAN REFINANCE WITH MY CREDIT UNION. HELP!
I recently filed a case ( XXXX ) against AR RESOURCES , INC . The case was in regards to debt validation and verification for derogatory information on my credit file. 

As you can see in the previous case ( mentioned above ), I was requesting not only validation but also verification of 2 debts that AR Resources , inc has entered as derogatory information on my credit file. 

I asked for debt validation on XX/XX/2018. The company stated in the complaint that they sent this information on XX/XX/XXXX. 

Per FDCPA the company should have received this letter by the XXXX day not mailed off on the XXXX day. Please see below : The Debt Collector is given notice that pursuant U.S.C sec 1692g ( b ) : if the consumer gives notice to the debt collector in writing within the thirty-day ( 30 ) period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer  requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a void judgment, or the name and address of the original creditor, is mailed to the consumer by the collector, and in 15 U.S.C. 1681-1681 ( u ). If any of these accounts are over seven ( 7 ) years old, can not be verified and/or have been discharged, written off, charged off, sold, referred to a third party, or can not be validated, Affiant requires that these statements be deleted from the Consumers credit report. 


Also please note the letter that I received today is a " printed '' statement of account, not the actual bill of which both are incorrect. Per FDCPA the alleged credit must provide the original bill with authorization to bill. 

Additional AR Resources has opened account number in my name of XXXX. I considered this a fraudulent because I have not entered into any contract at any time with AR Resources and they have obtained my personal information illegally. It is against the law to opened an account without the knowledge of a consumer. This is a direct violation on the Frank Dobb act and FDCPA Also there is not assignment of debt agreement to verify that AR Resources has the legal authority to collect on such debt. This is a violation of the UCC FCRA and the FDCPA Please see legislation below : Debt collector is further noticed that this is not a request by Affiant for a photocopy of any invoice, statement, bill,  summary, agreement and the like and that any future communication received by Affiant from Debt Collector, in written as well as any other form, absent the above-cited requisite Verification of debt, irrespective of the inclusion of any photocopy of any related involve, statement, bill summary, agreement, and the like, constitutes Debt Collectors tacit admission, confession and agreement that Debt Collector has no lawful, bona fide, verifiable claim, re the alleged account, as per the Fair Credit Reporting Act and the Fair Debt Collection Practices, and Uniform Commercial Code ( UCC ).
Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
years ago (  XXXX  and prior with no negligence was the last payment made, and  may  have been before  XXXX  ) i used  XXXX  for my cell phone company. i decided to change phone company 's due to the price difference. i called  XXXX  and let them know and they then shut my phone completely off after paying the last months bill.  XXXX  then continued to bill me on a monthly basis until the bill got up over a thousand dollars, even after calling them numerous times and kept explaining that i no longer use them and the phone was not even working any longer, and i am not paying for a service that is no longer in service, and i am not paying for a bill, i did not use while being billed.  XXXX  held on to the continued bill for about numerous years trying to get me to pay for something i continued to tell them i did not owe.   On  XXXX  of  XXXX  I had a credit check done on me in order to move into a new apartment and found that the phone bill was on my history and also indicated that the status was closed, but opened  XXXX  of  XXXX , yet with a current balance of {$1300.00} but was through a different collection agency other than  XXXX . ( i have a copy indicating the different dates and totals from the managers where i currently live ).   I never made a payment on this bill because I did not owe it ...   The date is now  XXXX / XXXX / XXXX , and had my credit checked again in order to move in to another new apartment and my report stated that another third party agency, " Convergent agency '', has now taken it over and says it was opened was on  XXXX , with a balance of {$1100.00} ( i never made a payment on this ) falsely showing both a price indifference and indicating to the new apartment that this bill is only a year old. When in fact, the bill is past the statue of limitations for Minnesota where i reside  ( 6 years ).  Due to this illegal action through the third party "    Convergent  ''  , I will not be able to move in to a new apartment unless this is resolved immediately. ( there is absolutely no felony or misdemeanor, nor do I have any debt ... a clean record ) I tried to call convergent and got a loud noise in my ear and the phone call ended ( it was not a fax number ).
I called T-mobile   and the only information they said they had in their computer was that it was given to " Convergent '' on  XXXX   XXXX ,  XXXX . Which shows another lie typed on my report done by convergent, saying it was opened on  XXXX  ( that alone is a almost a 4 year difference from when  XXXX  claims they gave it to them  ) .
XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have been completely ignored by these companies when it pertains to my rights as a consumer so concerning my credit so I decided to file ANOTHER COMPLAINT to provide that my rights are being violated. I am no longer able to file disputes on their websites so I have to send all of my disputes in to Experian, XXXX and XXXX. This account as been disputed mulitple times for inaccuracies and ALL 3 BUREAUS HAVE MULTIPLE -INFORMATION THAT IS INACCURATE AND UNVERIFIED. Yet they have all said that in previous disputes where I have certified reciepts that this was verified as accurate. Did they all contact different companies? 
-DOFD IS NOT CORRECT. 
NO HIGH BALANCE OR INACCURATE AMOUNT XXXX EVEN HAS A MONTHLY PAYMENT REPORTING ON AN ACCOUNT THEY ARE REPORTING IS SOLD TO ANOTHER PARTY. 
LAST PAYMENT RECEIVED IS ALSO INCORRECT.
I was shocked when I reviewed my credit report and found late payment on the dates below for my XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I submitted a complaint with the CFPB on XX/XX/XXXX, concerning my mortgage servicer, XXXX XXXX ( now " XXXX XXXX '' ). I had many concerns about the company, and had still never seen any paperwork about my loan, other than the original documentation from XX/XX/XXXX, when I originated the loan with XXXX XXXX XXXX. Within two weeks of filing the complaint, I was informed that XXXX XXXX had sold my loan to XXXX XXXX. They apparently took over the account in mid XX/XX/XXXX, but it is now past XX/XX/XXXX, and I have yet to receive any correspondence from XXXX XXXX. I do not know the terms of the loan, or the amount of my monthly payment. Beside the fact that XXXX XXXX is the target of multiple on-line complaints, my main concern remains the same. Why ca n't anyone provide any type of documentation about my mortgage. Yes, I took a loan from XXXX in XX/XX/XXXX. But now, after 16 years and 4 mortgage companies, I seem to owe as much as I borrowed, and the only loan documentation is the original one from 16 years ago. I hope you can help. 
Thank you. 
XXXX XXXX XXXX
This was for XXXX security alarm company. The contract was over and it continued even after it was supposed to terminate. I called them and sent them written notification of cancellation. Yet, they continued to bill me. I paid them once again and advised them that my contract was over and I no longer wanted the service. They waited for almost 3 years after contract has been done and they have put my account in collections for XXXX dollars I have not had any service there in at least 3 years and moved away from there over a year ago. This is abusive it is fraud.
On XXXX XXXX 2016, I received an online offer for GM Financial 's deferment program. I was approved for the program that would defer payments for XXXX 2016 and XXXX 2016, and apply them on the end of the loan. This would allow my account to remain in a positive status. I was advised that interest would continue to accrue, but the late fees would be waived. I accepted GM Financial ( GMF ) offer and agreed to pay a processing fee of {$270.00} by XXXX/XXXX/16. I paid the processing fee as agreed by the due date. I was approved for the deferment when my account was 28 days past due. However, GMF reported my account as 30 days past due status to XXXX. I contacted GMF on XXXX/XXXX/16 and spoke with " XXXX '' who advised me that this was impossible, as GMF has n't reported any updated account information to XXXX. Nevertheless, I disputed the late payment with Equifax on XXXX/XXXX/16 and XXXX/XXXX/16. The following is a timeline of GMF payment status changes to XXXX : XXXX GMF reported my account as " not more than two payments past due '' XXXX GMF reported my account as " Pays as agreed '' XXXX GMF reported my account as " not more than two payments past due '' XXXX GMF reported my account as " Pays as agreed '' XXXX GMF reported my account as " 30-59 days past due '' My account is being reported as 30-60 days late with XXXX and XXXX as well. I have disputed the error with them, but my account continues to fluctuate between a positive and negative status similar to XXXX. 

I have contacted GMF on the following dates regarding this issue : XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 Each time, I have spoken with a different representative, each claiming my account is not being reported late. I received GMF " credit-reporting letter '' XXXX/XXXX/16. However, the account was still being reported as negative. Thus, I submitted a complaint to GMF complaint department five days later requesting the error be corrected and I be forwarded documentation regarding its resolution for my records. I have not received a response. The account remains incorrect. 
I am extremely frustrated with this process. I am unable to reach a resolution by calling, writing, or disputing. I am disappointed none of the GMF customer service representatives took the initiative to take ownership to correct the issue. I have not been 30-60 days past due as the deferment was approved prior to my account being 30 days past due. Any assistance would be greatly appreciated.
calling me 6-8 times a day, even after hours ( XXXX-XXXX ) and on the weekends as far as I know business hrs are Monday to Friday XXXX to XXXX, I ve already responded to them about payment ( which is fixed ) but they continue their phone tacticts
OnXX/XX/XXXX I pulled my credit report and noticed that Ocwen has not closed my mortgage loan even though they received {$130000.00} that paid off the loan completely. I notified them through email on that same day (XX/XX/XXXX ) and they responded on the same day that they received my email. A couple days later I received a letter from them that stated " credit reporting for each month is made by the third ( 3rd ) week of the following month. The loan will be reported accordingly forXX/XX/XXXX in the third ( 3rd ) week ofXX/XX/XXXX ''. Well the third ( 3rd ) week inXX/XX/XXXX has come and gone, and Ocwen has failed to report timely and correct information as they had stated in writing. Please see attached copy for Ocwens response. 
With Ocwen failing to provide true and correct information to the credit bureaus they continue to harm my family financially.
I filed a complaint # XXXX stating Chase was not in compliance with processing my request to reaffirm my mortgage loan in XXXX XXXX with the Attorney General 's Office. Chase filed the necessary papers with the bankruptcy court on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX my account XXXX continues to be handled via Chases ' bankruptcy department. I have no access to my account on line & Chase has not reported any loan payments to the credit Bureau 's since XX/XX/XXXX/XX/XX/XXXX. Multiple Chase reps have advised it takes up to 90days to move the account from their Bankruptcy department after the courts discharge which occurred on XXXX/XXXX/XXXX. In addition, chase reps advised no late fees would be applied to the account and there would not be a change in the monthly payment do to Escrow account changes or shortages while the account is handled by their bankruptcy dept. However, XXXX XXXX I received a letter stating I had an Escrow shortage of {$610.00} which gave XXXX options : to pay in full, and my payment would change to {$1000.00}, or pay a portion and the unpaid shortage would be divided evenly for future mortgage payments, or lastly pay nothing and my new payment would be {$1000.00}. I contacted chase at XXXX and was transferred to the Escrow dept. I did n't expect my call to be transferred as previous reps advised my account was to be handled solely by the Chase bankruptcy department. I adv. the Escrow rep of Chase having unapplied funds held on my account for which I had previously requested be applied to my Escrow account. The rep gave apology and agreed to move the money to my Escrow account. I also asked if I could pay enough to keep my payment the same {$970.00} and was advised a new analysis would have to be computed. I paid {$100.00} towards Escrow on XXXX/XXXX/XXXX along with my monthly payment of XXXX. As a result of this payment, I received a letter dated XXXX/XXXX/XXXX stating they received a payment of {$100.00} which would make the new payment {$1000.00} beginning XXXX XXXX. The letter stated the remaining escrow shortage was {$10.00}. I expected the shortage to be about five hundred based on the previous letter so I paid {$520.00} on XXXX/XXXX/XXXX. According to the letter dated XXXX/XXXX/XXXX, my payment of {$520.00} should have caused a XXXX surplus of {$510.00}. On a call XXXX/XXXX/XXXX I spoke with multiple Chase reps, Escrow reps, Senior Service Specialists and Escalation Manager : XXXX, XXXX, XXXX XXXX, and XXXX XXXX which all advised my escrow account had a surplus of {$15.00}?? and that was used to reduce the XX/XX/XXXX & XX/XX/XXXX payment to be {$1000.00}. The subsequent monthly payment would be {$1000.00}. I was told I could not pay more to keep my mortgage payments {$970.00}. The reps advised any additional escrow payments would be returned to me. This was puzzling since I had made a few additional Escrow payments in XXXX and none were returned to me. In addition, I was refused a waiver which would allow me to pay my Property taxes and homeowners insurance myself. I 've had this loan since XXXX XXXX and have had only one payment made late.
Chexsystems is reporting possible fraud with XXXX XXXX XXXX XX/XX/17. Also, marked unpaid. 
I went to XXXX and spoke with a manager who called XXXX department. There is no unpaid balance. Also, said that they weren't sure on the suspected fraud activity. They said could have been possible bounced checks that triggered report. 
The last activity I had with the account was at XXXX XXXX buying a XXXX gift card ... ..shortly after I received an email saying account was frozen. 
XXXX account # XXXX They said to write to your business to investigate.
I purchased an XXXX XXXX from XXXX XXXX, XXXX, Minnesota, a couple of months ago and have had Nothing but problems with XXXX XXXX being very dishonest about the vehicle condition as well Westlake Financial Services who have a contract with this dishonest dealership. 


Westlake Financial concerns to date : Employees allowing someone else 's payments to apply to my loan, No willingness from Westlake employees to remedy the situation, therefore blocking my ability to make the timely payment. 


Westlake, Dealer Compliance, XXXX and his supervisor, " investigating '' XXXX for miss-representing my vehicle, with XXXX and XXXX, XXXX, working together in an attempt to Keep my XXXX down payment ....!!!, while siding with XXXX XXXX, stating that it was an " as is, used vehicle. '' Even after I explained over and over again, that XXXX misrepresented the vehicle over and over again, via phone calls, live video, mechanics comments, car wash that showed no leaks, no oil or fluid changes, etc. yet XXXX stated the vehicle had been fully serviced, and stated over and over again that this vehicle had no problems. 


Only to find out, through certified dealerships, to date, problems with : 3 broken bolts in the exhaust system, both manifolds were cracked, top leaked, and stereo now does not work due to the leaky top or roof. These repairs, to date, have cost over {$4000.00} ... 


Last ThursdayXXXX Westlake XXXX XXXX, XXXX and his supervisor, told me that my title was ready and waiting at my local XXXX, located in XXXX XXXX, Nebraska. Upon arrival at my XXXX, I was told that I not only do they not have the title to my fully paid off XXXX, also Westlake has a lien on it. 


XXXX plus calls to Westlake, with XXXX assistance. I feel that this alliance between XXXX and Westlake is deadly, and is taking advantage of a vulnerable population. 


Any assistance you could offer here would be greatly appreciated.