WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a vehicle from Texas  XXXX  of  XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , TX  XXXX  on  XXXX / XXXX /  XXXX   The vehicle was financed with  Fifth Third  Bank  XXXX   XXXX   XXXX   XXXX , OH  XXXX . They received my  Credit Union  certified on  XXXX / XXXX /  XXXX  . I still have not received my lien release.
I used this company for a {$800.00} loan in XXXX. I signed up for the loan payments to be automatically withdrawn from my checking account. I did not check to see if the company was withdrawing payments. I received the " Notice of Right to Cure '' letter via email on XX/XX/XXXX. I have not received any other emails nor any letters mailed to my home. When I talked to the company representative, she said that several calls were made to my phone. I receive several calls a week from scam callers. I usually do not answer calls with unidentified phone numbers. She said that do not send physical mail. She also stated that they do not settle on debt. I requested a paper to show how what they say I was owed was calculated, she said that do not provide that information. It would be in my contract. I attempted to access my account with this company, but it only lists the phone number. I included the letter below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX NOTICE OF RIGHT TO CURE Dear XXXX XXXX Notice Date :XX/XX/XXXX Credit Transaction Account No : XXXX Loan Contract Dated : XXXX XXXX is the LAST DAY FOR PAYMENT. 
{$3700.00} is the AMOUNT NOW DUE. 
{$0.00} is the amount of delinquency charges included in the AMOUNT NOW DUE. 

You are late in making your payment ( s ). If you pay the {$3700.00} on or before XXXX, you may continue with the contract and existing payment schedule. If you do not pay by the XXXX, we may exercise our rights under the law, including but not limited to, acceleration of the loan. 

If you have questions, please contact us at ( XXXX ) XXXX from Monday Friday XXXX XXXX to XXXX CST and Saturday - Sunday XXXX XXXX to XXXX XXXX CST. 

Balance Credit Team ( XXXX ) XXXX XXXXXXXXXXXX
I have an unresolved credit card dispute with USAA regarding a fraudulent transaction from XXXX XXXX XXXX XXXX in the amount of {$360.00}. In spite of documentation supporting my position that XXXX a refund in full, USAA is still billing me in spite of my best efforts to resolve the matter on the phone and on line.
The reason for my complaint is because bank of america has chosen to close my checking accounts with them which is fine cause in the agreement they are allowed to close the account and i understand that part of the contract. They have garnished monies from my checking account which led the account to be overdrawn due to the automatic payments that have been set up. I need all NSF fees to be credited to the account and I also received a letter from them that they might report the account to XXXX XXXX or XXXX XXXX. I have done nothing fraudulent or mishandled my accounts in any way in the 3 years that I have banked with them. I need to make sure my accounts are closed in good standing and that no negative information to be reported to XXXX XXXX XXXX and XXXX XXXX and also let me know what the final amounts owed in the account cause i have no access to the account online and have no idea what they have done with the accounts.
I obtained an online copy of my credit report and the name on the report is not my name. I spoke with Equifax this afternoon and informed them that the information is wrong. They told me that information has been reported on my report under that name. I asked them to provide the name of the company reporting this information and they told me they did not have that information. They asked me to mail a copy of my social security card and my id. They told me they would not remove the information that was reported and would correct name once they receive my identification.     I have sent Equifax copies of my social card and my State issued identification card several times in the recent past to obtain my credit reports. Yet, this agency has used my social security number, they have created a new credit file using a name that does not belong to me, and they have allowed companies to report false information linked to my credit report using my social security number.
When the credit agency deleted the fraud address, they should have also deleted the fraudelant accounts associated with the address. CREDIT AGENCY is reporting the wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) that is wrong. They are also reporting a fraud account on my report from XXXX XXXX XXXX Thats associated with that fraud address. Correct my address and remove the fraudulent address from my reports. Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX Opened XX/XX/XXXX This is not my account. My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX FRAUD ACCOUNTS ( ASSOCIATED WITH FRAUD ADDRESS ) XXXX XXXX  {$2000.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$830.00} Closed XXXX/XXXX Closed : XX/XX/XXXX {$760.00} Closed XXXX XXXX XXXX/XXXX  XXXX Closed : XX/XX/XXXX {$160.00} Closed XXXX/XXXX. 
XXXX XXXX XXXX.
NATIONSTAR AND FREEDOM MORTGAGE ARE GUILTY OF FRAUD ~ The HUD/Truth in Lending Statement and the Escrow Disclosure statement on the loan origination had intentional fraud and items were left off to make the loan payment appear lower. This caused major escrow errors later and a near loss of the home from the fraud. On two separate occasions, the payment almost doubled, from {$800.00} to {$1400.00}. 

Nationstar made us aware of this loan origination fraud in XXXX 2015 but later, in an attempt to collect payments, repeatedly denied it. They even lied to government investigators to cover it up. 

Specifically, Nationstar was dishonest on the phone and in an official government CFPB filing when it denied having access to any paperwork from the prior servicer. 

We have repeatedly requested that they follow the law and rescind the loan due to intentional fraud. They have repeatedly lied and denied our request. ***Attached is a letter from XXXX confirming the loan fraud and also confirming our request to execute our right to rescind the loan due to intentional fraud***
During the period XXXX-till date I have tried to open several checking accounts for personal and business use. The bank forced me as part of the account creation to also have a savings account. I could not open a checking account by itself. 

I agreed to open a Savings account for my business ( XXXX ) even though I did not need that account. I deposited {$25.00} in it of my own money. Obviously since I really did not need this account, I did not use it either. All through out this time, they never paid be a single cent of interest on {$25.00}. 

After several years of non-use elapsed, my account was shut down without my consent and turned over to the California Controller as unclaimed property. I have had 4-5 accounts and credit cards with the bank and they turned over my balance {$25.00} to Unclaimed Property. 

Now the California Controller says that they have received many Claims and because of the volume they can not process my Claim. They very likely will not pay me any interest either.
Transunio n Credit Inquiry Issue  These inquires where deleted from my report last year and now they are visible Transunion refuses to take them off   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question.  Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
On XXXX XXXX 2015 ( yesterday ) I purchased a credit report from Equifax. It was a XXXX bureau credit report for {$39.00}. I find the report data 30 to 60 days or more outdated. This report is XXXX. How can a company charge this amount of money and not even up date the balances. Then rip you for high balances. Every account number is wrong and outdated. What happens when and uptight banker looks at this XXXX information. This is serious business and should not be taken for granted as Equifax is providing outdated data for big bucks.
I have two credit card accounts that are open and current with XXXX XXXX XXXX.

On one of the cards, I am the primary account holder. On the other, I am the authorized user.

Neither of these two credit card accounts are being reported to the 4 major credit bureaus as open and current. They are both are missing from my credit reports. 

I have contacted XXXX, XXXX, XXXX, and XXXX and none of them have admitted the problem or attempted to fix it. 

This is severely hurting my credit score, because these accounts are both open a long time, and our in good standing. 

I have also contacted XXXX XXXX XXXX, to have them fix it, but alas, nothing has been accomplished.
To whom this may concern, I usually make my payments via bill pay from my bank, so this way, I wo n't be late. XX/XX/XXXX, due to a change in escrow account, the usual payment that I 've made went straight to principal instead of being counted as a payment. And because of my bill pay, I do n't look through my statements every month. I did n't realize there is an increase in my Escrow account till XX/XX/XXXX, which is already too late. They have already added a 30 day late on my credit report, and may be a XXXX one. 
I tried calling Ditech mortgage this morning to explain what happened and they would n't reverse what has been done and said their credit department can not reverse it because it is not caused by Ditech.
Have been trying to modify for the last three years. Every time I try documents go missing and things are delayed. I 've been turned down a few times but am told that I may apply again for a different program. I 've been told that my principle would be dropped and many other things that were lies. When I was finally approved the conditions were outrageous. I just want a fare modification so I can get back on track. This company has been XXXX me around for years and I am suspicious of their accounting as well as far as my account goes.
Collection agency Portfolio Recovery Associates is trying to collect debt on an invalid account for {$670.00}. According to California Code of Civil Procedure 337 ( 1 ), the statute of limitations for a written contract is four years. Under 339 ( 1 ), the limit for an oral contract is two years nor do they have a contract with my signature stating that this account is mine. Providing specific dates, a bill or other inquiries doesnt make this account mine. On my XXXX, XXXX and XXXX Credit report this invalid account reported its delinquency on XXXX 2013 which is past Californias staue of limitations.
I contacted Phillips and Cohen requesting debt validation on XXXX/XXXX/2015. This was my second request to get verification of this debt and they have ignored my request time and time again.
XXXX I received a letter from the finance company that I had no insurance on my car. I have had insurance since day one. I have had no lapse in it at all. I have faxed several times to the company and emailed. Along with the insurance company, the company and agent. I have called about 10 times to tell them the declaration has been sent. I have asked to speak with a manager and still nothing has happened. I have been told last week that it was manually put into the system but nothing has shown. I called once more XX/XX/2018 before XXXX XXXX. I asked if it showed that I have insurance and no. The person on the phone says no. I have been told there is no proof of insurance and they have the added insurance to the bill. I go online and it is now the 2nd month it has been added. I pay them at least 2 weeks in advance for the car loan. I can not get an answer from anyone or a call back. I had the agent also fax and email them. Nothing. I can not have this sent to collections for the insurance they added but do not need. I need help in getting this taken care of and they have not been helpful in resolving this. This is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX
i recently looked over my credit report and noticed a collection account by CBE as I do n't recall signing any contract with a company by this name nor do I recall receiving any duns letter by them. so I send them a certified letter tracking number XXXX XXXX XXXX XXXX XXXX requesting for a copy of any viable evidence bearing my signature showing the account is being reported accurately. I also informed them as per FTC letter from Attorney XXXX XXXX XXXX you should be aware that a printout of a bill or itemized documents does not constitute verification. being that I have that right under the Fair Credit Reporting Act and Fair Debt Collection Practices Act but they have refused to send as well as mark my account as disputed within the 30 days which is a violation of my rights under willful noncompliance as per FCRA 623 ( a ) ( 3 ) Responsibility of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s- 2 ]
After my loan was paid in full. XXXX additional automatic bill payments were made to the servicing company. I 've requested they send those payments back to me, but I was told they have no record of the payments. I faxed them proof of the checks being cashed by my bank, and they said their research department never received them. I asked if I could email them the copies, and they said no. I would be required to fax in my request. It 's been more than 2 months and I still have not received my payments refunded to me. I know the servicer has a fiduciary responsibility to apply payments, or refund over payments in a timely manner. I also experienced the same kind of issues when requesting the payoff amount in the first place. They will only accept payoff requests via fax, and there appears to be very little accountability for employees to ensure they are received and worked on in a timely manner. Before finally receiving my payoff quote, it was almost a month in time from the initial request. I do n't want other customers to have to experience this kind of servicing. Ultimately the consumers are hurt by a lack of care on the part of these type of servicers.
back in the RE-MODIFICATION days, i think  XXXX  or  XXXX  i asked for a remod the told me i was current on my payment and i would have to stop paying, so i did I had an interest only loan of  XXXX  by the time i received  my Re Mod the increa sed my principal by  XXXX  k to  XXXX  eventhough i was never paying principal and i have been pay extra interest these la st ten years  on that  XXXX   XXXX  my principal is the same, so in essence i have been paying interest on interest. I contacted my lender to discuss this issue and they told me TOUGH LUCK i signed the papers and were unwilling to help me. As i think that i have more than payed off whatever interest payments i missed, on there advise My principal still remains at  XXXX . any advise would be greatly appreciated
I have debts on my credit report from chase,   XXXX   XXXX  , home furnishings,  XXXX  and  XXXX  that are all listed as charged off/past due. However, all debts listed on my credit report have been satisfied with each creditor. I have contacted all parties and in some instances it 's has been more than 60 days without them correcting the information on my credit report.
I requested of MoneyGram that they transfer funds from my XXXX XXXX checking account to an individual in XXXX XXXX California. Money Gram logged me into their online portal where I entered the information requested to initiate the funds transfer. I was given a MoneyGram transaction number online acknowledging the funds transfer was in progress. I was then sent a code # for the person in XXXX XXXX to collect the {$500.00} cash transfer at a XXXX XXXX. When the code # was entered into the Money Gram machine the person in XXXX XXXX was notified that the funds would not be made available. The process was repeated multiple times. When I learned that the funds were not going to be available I called MoneyGram customer service. I was told that the transaction would not be processed and my {$540.00} would be return in 5 to 10 days. The explanation for not allowing the funds to be distributed was that MoneyGram decided not to give my money to the person in XXXX XXXX. Curiously, that gentleman is married to a woman that I sent {$350.00} to using MoneyGram two week before. I am embarrassed, my friends are embarrassed and the promises made by MoneyGram for service were not kept. AUTH # : XXXX PICK UP REF # : XXXX
I had been a customer of American Express Since XX/XX/XXXX. The last few years I epay my account through XXXX XXXX. I always pay the account in full. On my statement with the closing date of XX/XX/XXXX I was charged a {$27.00} late fee and {$16.00} in interest for a mistake that American Express made not XXXX XXXX who they tried to blame. The next month there was another {$14.00} in interest charges even though I pay in full. It took numerous phone calls to get those charges reversed mind you through no fault of my own. Yesterday I opened my new bill with closing date ofXX/XX/XXXX and saw {$9.00} interest charge. This is because instead of entering the balance of {$3500.00} in epay I entered {$3500.00} which is XXXX dollar short. I called XXXX to see if this could be resolved. {$9.00} for {$1.00} error plus the additional interest that would be charged next month. They would not do it so I closed my account easy enough. The female rep stated there were {$150.00} in reward points that would be credited to the final bill. Now XXXX through online chat is stating per the agreement no way am I getting the rewards. Really {$9.00} plus for a {$1.00} mistake. Nothing for their mistake and now they are cheating a once loyal customer out of their rewards.
Our property consists of XXXX lots : XXXX and XXXX. We are taxed at the county and town levels. Nationstar paid the county and town taxes on lot XXXX but not XXXX. I have been calling them since XX/XX/XXXX but this issue is still not resolved. I have faxed in the tax bills to the number listed online but when I speak to a representative they have no record of lot XXXX nor the tax bills. After each call the representative says they will get back to me. They have n't. When I ask by name for a person I previously spoke to the new representative seems to have never heard of the former person. I will soon be receiving a notice from the county and town for failure to pay taxes.
NationStar Mortgage has drastically increased my escrow payment without consulting with me and my wife. I am currently at an 8.5 % interest payment and I have been trying for years to get a loan modification but all am getting is a run around. They will not even agree to refinancing my house.
I noticed 2 collection accounts on my credit report by State Collections for {$200.00} and another one for about {$1200.00}. When I noticed one of them, and before the other one appeared, I attempted to resolve the  matter by setting up a payment arrangement. I provided my banking information to this agency but there were no debits from my account I did everything I could possibly do to prevent the listing from hitting my credit report but this agency failed to start the payment arrangement prior to listing. I want these debts off of my credit report because I made every attempt to pay prior to listing.
My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete remove these incorrect numbers below. 
The following numbers are not mine XXXX, XXXX
I notified XXXX to cancel my account as it had not worked for over a year on the date I made m y last payment. They billed me again the next month after I had cancelled. I wrote a letter again telling them I had cancelled the previous month. The next month I received another bill for another months service. I called them and told them that I had notified them two times I had cancelled. They said that I had to use their cancellation form on their letter head to be able to cancel. They then billed me for another month of service. I asked them if they had received my first cancellation notice. They said they had but would not cancel the account until they received the official letterhead cancellation notice. I do not feel that I should have to pay them for an additional three months after I notified them to cancel and they acknowledged they had received this notification. There system had not worked for over a year yet they continued to bill me. This was a home protection system and they should have realized it was not working and notified me that it was not working but they did not so I actually feel they owe me for the year in which the system did not work and I am going to send them a bill demanding a refund for what I feel they owe me. I have told them this many times on the phone and in writing and they continued to harass me with phone calls, letters and now a collection service. This is just another way to get more money out of people and is wrong. They still have n't even picked up their equipment which is still in my home.