WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to get to get transaction history between the dates of XX/XX/XXXX thru XX/XX/XXXX to see all debits and credits on my XXXX XXXX XXXX which was issued in order to receive child support payments. I discovered after re-opening my child support case in XX/XX/XXXX that there were 2 deposits totaling {$4500.00} made on XX/XX/XXXX and 1 deposit in the amount of {$200.00} made on XX/XX/XXXX that were sent by the Texas Attorney General 's Disbursement Department to the XXXX XXXX XXXX and these monies were not credited to my account. I have spoken to representatives who have confirmed these amounts but, when I ask for copies of the transaction history, they tell me that they will mail them and never do. I made a total of 3 requests and I have not received one copy. I have requested to speak to a XXXX with the same request and he also promised to submit my request and have not received it. I have requested to go to their office and they will not give me an address. They have told me to access the information on their website and I have but, it used to have year XXXX option and since then, they have deleted this option. I have contact the Texas Attorney General 's office and I told them of my problem and they were not able to help me other than suggest to submit a complaint thru this website. I would like to get copies of all transactions while they managed my account so that I can see where these monies went. If and when I get this information, I want to get these monies sent to me as I am sure they were never credited to my card, which is now expired and they no longer handle my child support payments.
My mortgage was owned by XXXX XXXX XXXX. It was then, as customary, my mortgage is now being handled by Seterus, which in the past 2 years have been, by far the worse .... even worse than XXXX XXXX XXXX. XXXX XXXX, 2015 I sent Seterus a check from XXXX XXXX to have return to XXXX being that I decided to go with another Insurance Company. A year later, Seterus claims I owe that money and they had never received the funds.Of course they increased my ESCROW so I had to do their job, contact XXXX, have them re-issue the check, send it to Seterus via Register Return Receipt, once I confirmed the check was received by Seterus, I called to follow up, and they still claimed the check had not been receive, I lost it and told them off.They increased my mortgage payment and said once they received the check, they will do another escrow analysis and it would take up to 30 business days to make any adjustments in my account. XXXX & behold they made the adjustments and 30 days exactly my mortgage payment was re-adjusted, ( which leads me to believe they had the check all along and did not want to admit it ). Yesterday I come to find that the taxes on my home have not been paid. Seterus was returned a payment of {$1600.00} from XXXX XXXX XXXX Collector and has been sitting on it for 1 month.Yesterday I received an email form them indicating my taxes are past due and that further penalties and fees are being accrued for lack of payment. I called Seterus once again spoke to a representative by the name of XXXX, and was told she would put an " urgent action required '' note in my file and I would have to call back and follow up. Really? do I have to follow up and do their job? why in XXXX are they managing something they ca n't obviously not able to handle? I am the victim here, not only has my home insurance been jeopardize but now my taxes? Seriously? Does n't Seterus and their " reps '' know I can have my home be taken away for not paying my Insurance or Taxes? What kind of a joint are they running there? If these XXXX ups are the lack of service Seterus creates, then why nothing is being done, why does n't Seterus pay out of their pockets these kind of financial XXXX ups caused by their lack of service? I am sure they have liability insurance. I refuse to pay for their XXXX ups anymore, nor do their job for them. 
I WANT SETERUS TO PAY FOR ALL THE AGGRAVATION, HARDSHIP, FRUSTRATION AND PUNITIVE DAMAGES THEY HAVE CAUSED ME.
Hayt Hayt & Landau sued me a few years ago for a past due debt. Totally legitimate. I owed it. They seized my bank account and received their money. The debt was settled. 2 years later they say I owe them money still. I did not receive any communication stating there was a balance due. They tried to serve papers on us XX/XX/XXXX. I called their office ( I am sure I the call was recorded ) and requested proof of the debt and an accounting of the funds received to date. I received NOTHING. Friday afternoon XX/XX/2016 I was served at the office for a garnishment for the balance due. I am the XXXX and XXXX XXXX, I must submit the paperwork for processing, but it is n't fair. They wo n't even answer emails regarding the debt! Or call me to discuss it. I had no idea they felt there was a balance due and now there is a garnishment with extra fees that I should have to pay because I would have resolved the issue sooner before there were extra charges if they had just sent a letter or called me! 
THIS IS A SCAM and someone should stop them from their illegal practices.
). My work requires credit verification at times to gain employment for security reasons. The law at the time of XXXX to XXXX allowed any potential employer to conduct credit reports, and each time this occurrs the possibility of my credit score being affected adversely. So, I knew this was vital to my future success and would hurt my personal financial productivity. My creditworthiness was placed in extra focus ( XXXX ) because of the Small Business Administration ( SBA ) services I was using. I got my credit report annually. Especially in XXXX and XXXX to disprove the claim made by COMPASS BANK - CREDIT CARD XXXX XXXX AL XXXX, phone number ( XXXX ) XXXX, partial account number XXXX ...., dated XXXX of 30-day late payment made via a bankdraft. I was told there is no proof of payment, the mark on my credit report will not be removed, and file a complaint. 
In the upload your CFPB service provides. I have documents of this matter to you for the years XXXX to XXXX in chorological order. You will find all proof of payments via the Federal Reserve Bank Check Image Retrieval showing when the funds arrived at BBVA Compass. Some of them are stamped 'VOID '. Why was n't the Credit Card ACT followed by BBVA in this matter? I would like to get back the money charged to me for late fees during this time. In XXXX XXXX I inquired about this account concerning an error on my bill. BBVA Compass Bank would not talk about the details of the matter at hand or the account 's history. I followed up with a letter dated XXXX XXXX, XXXX. This was in reply to the XXXX XXXX, XXXX letter sent to me. At this point in time had ten cycles of six months minimum payments made to request the APR to be removed from this status so I can pay off this debt. I was never over 60 day past due. Please look at XXXX action taken by BBVA, the XXXX Credit Reports dated XXXX XXXX and XXXX XXXX, XXXX for the XXXX and compare it to the XXXX Credit Reports dated XXXX XXXX, XXXX and XXXX XXXX, XXXX for the XXXX period. They are different. The later reports ( XXXX and XXXX ) were used by them to justify the action. My case never went into debt collection. I was receiving updated credit cards during the years, and I had purchasing rights see XXXX XXXX billing statement. Please evaluate my case in regards to the Credit Card ACT and FEDERAL RESERVE SYSTEM 12 CFR Part 226 [ Regulation Z ; Docket No. R-1370 ] See 226.9 ( h ) ( 2 ) ( i ), ( h ) ( 3 ) ( ii ) .Truth in Lending Law.
On XX/XX/XXXX Wakefield and Associates put a collection account on my credit report acct # XXXX. I have received no prior notice or information from them regarding this account would be reported negatively.. I was on a payment plan of {$50.00} a month for a medical bill from XXXX XXXX, which I was paying, They have no right to put a negative item on my credit report.
There are multiple companies reporting a debt that was incurred while I was living in a different state and someone else obbously used my info to go to the er The companies are Avante XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
My Balance of my home water softener purchase and installed in my home on XX/XX/XXXX or XX/XX/XXXX balance keeps rising at a interest rate of APR 7.00 % .I owed on my loan {$1600.00} but it keeps rising each month. Also on my credit report it states negatives and late payments, in which a filed bankruptcy was filed on XX/XX/XXXX and loan was reaffirmed.But creditor should not report any negatives on my credit report with XXXX, Transunion and XXXX. I have a excellent payment history. I am XXXX XXXX and XXXX.
This account was settled today for {$3500.00} and this matter needs to be closed at XXXX XXXX  and closed on my credit report. Please leave this CFPB complaint open until both things have happened and my credit report is reflected of this change.
Equifax and my car loan company XXXX will not work with me to add XXXX back on my credit report. I disputed the late payment from XXXX we have been going back and forward about this dispute for over XXXX months and neither company is willing to do their job. I paid XXXX a month from XX/XX/XXXX to XX/XX/XXXX.
As this subject was not available, this category is the closest to my situation. 

I submitted a notice on XX/XX/XXXX to Citibank regarding my questioning of the validity of a credit card account, wherein I claimed this account/contract is void ab initio until Citibank could prove its validity with a wet-ink-signed document my myself proving so. 

In this notice, I gave Citibank 20 days to respond with such proof for me to inspect proving so. It is XX/XX/XXXX, and I have yet to receive even a response, let alone the proof I'm demanding. I also stated after this 20 days has passed, and without the said proof given, if Citibank sends me any bill, account statement, or anything that is not the proof I seek, I consider this harassment and will charge a minimum of {$500.00} for every time I receive it. 

This complaint is merely to document this situation, along with a copy I will attach hereto of the actual notice I sent on the said date that I am still awaiting a reply.
Hello, On XX/XX/XXXX, I requested verification ( the original instrument of indebtedness in it's original form ) for the following student loans from Experian Credit Bureau : 1 ) Account # : XXXX 2 ) Account # : XXXX 3 ) Account # : XXXX 4 ) Account # : XXXX 5 ) Account # : XXXX 6 )  Account # : XXXX Experian received my letter certified mail on XX/XX/XXXX. They replied on XX/XX/XXXX with a letter describing their dispute process. I have attached the letter for you to review. Also they replied in comments : " By XX/XX/XXXX, this account is scheduled to go positive status. This item was updated from the processing of your dispute in XX/XX/XXXX. '' Experian, XXXX, and XXXX has failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires the credit bureau to send me a copy of the Original Wet-Inked Contract that I signed and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, the credit bureau is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my credit report. Copies of copies are not Validation and are not considered proof for these accounts on my credit.
I am very upset and concerned with my bank Wells Fargo who refuses to help my wife and I on our financial delima. I 've been a loyal customer for 30 years and my past credit rating was excellent until just recently since my wife is no longer able to work. She has filed for XXXX which will take quite some time which does not help us right now which we need desperately. Our car is in repo status and we will not be able to make next months house payment due to XXXX that an XXXX has to remove from my mouth which is very costly. I only owe XXXX dollars to pay of my home and it is appraised by Wells Fargo for XXXX dollars. It is beyond me why Wells Fargo is unwilling to let me access some of my equity to keep us from loosing our home and our car. I do n't understand why Wells Fargo will not help us since our credit has gone down hill recently. If they would just review my past credit history which I 'm sure that they have not, maybe then something could be resolved to get us the help we need. My name is XXXX XXXX XXXX. My email address is XXXXXXXXXXXX and my cell number is XXXX. Hopefully this complaint letter will make Wells Fargo see that they are in the wrong by treating a valued customer as myself and do the right thing and help us on this matter.So many times in the past my bank has helped me out and my question is when I need them most, why ca n't they help me now. XXXX XXXX
I received a certified letter stating that my loan was finally paid off on XX/XX/XXXX! This was after they dated and sent out the letter on XX/XX/XXXX! I contacted the company on XX/XX/XXXX to find out that my loan had been paid off and I no longer owed Advanced America. I have since had to contact them 2-3 times a week to see if they have received my over payment check back in the mail. I contacted the company on XX/XX/XXXX to receive an attitude for the worker. I was told that they can cancel the check that was mailed to me after it was sent to an address no longer used. I received the letter stating that my loan was paid off at one address but they mailed a check to another address! 

It would then take 2 months for them to issue me a new check! That is completely unacceptable as they didn't think twice about receiving the money from them so why should they need this long to issue a new check? 

I do not appreciate getting an attitude when I am asking because I need the money as once again I am hurting for cash but I refuse to take out another payday installment loan! There are other ways of handling things when I am not even giving you an attitude. Since XX/XX/XXXX I have had to contact the company and contact the post office to see what is going on! I have wasted more of my time than should've been needed to correct this in result of using this company. 

I was indirectly called a lier as Advanced America does not send out certified letters however I received a certified letter in the mail at my home stating that my loan payments were completed. The employee continued to give me an attitude and state that they do not send out certified letters when loans are paid off but I can be sure to bring it into the location just to prove that I received it. 

I am unsatisfied with the treatment I have received from the employees at this company. There has been no problem up until now ... .why? Because my loan is paid off?
I 've been disputing this debt for a while now, these two debts do not belong to me. After failing to prove validity, these two accounts still remain on my report. These collection accounts were opened in XXXX but the original creditor states the accounts were established in XXXX. Now at the i was only about XXXX years old. So i find it highly ridiculous to keep these two accounts on my report. I was a victim of identity theft before i was of legal age. My information was forged, hence why i have verified my info with XXXX. On my report from them there was inaccurate info such as my date of birth and legal name. My report contained several pieces of false identifying information. XXXX  has removed those items, including these two accounts. So i dont know why XXXX XXXX is still listed on my XXXX and XXXX The creditor claims these accounts are not fraudulent, which is why the bureau 's are making it hard to remove this frivolous mess. I want proof of validity sent to me immediately. The debt collector and the original creditors response will be shared with my attorney.
File number XXXX. This company has been contacted, and cooperated with law enforcement concerning this load that originated as a result of identity theft. This company has had correspondence with me regarding this, but have asked specifically for a police report, which is not supplied in the case of identity theft such as this. Law enforcement explained this to them while serving subpoenas to them. They still placed this debt on my credit report fraudulently.
I opened up a charge card thru   XXXX   XXXX  /Synchrony Bank. For the last several months I have made the full months payment. I even have a letter from them showing that I am paid current, refunding the late fees I paid ( just in case ). Again, I received a bill with late fees and interest. Again I called and again they said they will correct and send another letter. This is a practice of Synchrony bank hoping we just pay the fees. I am willing to bet I am not the only consumer with this experience. In my opinion this is therie attempt to defraud the consumer.
Mohela is my current loan servicer. They are reporting on my credit report that I was 90-120 days delinquent in XX/XX/XXXX-XX/XX/XXXX. I contacted Mohela and they indicated that it was transferred over delinquent from XXXX loan servicing. I know that I have never been late. They said to call XXXX. I called XXXX they have no record of servicing my loan since XX/XX/XXXX. XXXX said to call XXXX XXXX, XXXX XXXX has n't serviced since XX/XX/XXXX. I called XXXX and XXXX and nobody has serviced this loan since I consolidated XX/XX/XXXX. I have called the student loan servicing help line, the nslds.org, website and assistance number, and the student loan support center XXXX. Nobody is able to provide this information, nor do they show any delinquencies. I am unable to verify the information provided, and XXXX is unwilling to verify the information that they received when transferred over. If they are reporting on my credit report based on information received from a previous provider than that appears to be faulty. I am asking that Mohela verify the information that they received when the account was transferred and/or correct my credit report as required by the FCRA ; and therefore it is a violation of the Fair Credit Reporting Act.. Per Mohela my account was transferred over delinquent in XX/XX/XXXX ; and continue to base their reporting off of inadequate and unconfirmed information and due to this violation I am requesting my credit report be updated as required by law.
Equifax shows medical bills unpaid that should not effect my  FICO s core Equifax dropped my score over  XXXX  points due to these outstanding medical bills that insurance failed to pay.   Additionally equifax should not effect fico score based on new law passed No other reporting agency shows these medical bills I have asked several times to have removed by equifax and they continue to ignore my request!
Company repeatedly calls regarding an unknown debt. Refuses to provide any basic information without me providing my personal information. Resorts to pushy tactics to try and get me to provide personal information. When attempting to provide mailing address for communications, company indicated it would not speak to me without me providing my personal information ( birthday, etc ). They indicated I should have received a letter but no such letter was received. Company is trying to collect a debt I do not know about and do not have. 

The phone number calling is XXXX and listed as XXXX XXXX.
I CALLED XXXX XXXX AND NOTIFIED THEM I WOULD BE CANCELING MY POLICY AND MOVING TO XXXX FOR A BETTER PRICE. THEY CONTINUED TO SEND ME A BILL EVEN AFTER i NOTIFIED THEM IN WRITING AND BY PHONE THAT I WAS CANCELING MY POLICY. THEY BILLED ME FOR THE LAST MONTH ON MY POLICY ANYWAY. I WAS INSURED BY ANOTHER COMPANY AND DID NOT WANT THE INSURANCE ANY LONGER
I BOUGHT A USED XXXX HYUNDAI SONATA SEDAN VIN NUMBER IS XXXX.FROM PLATINUM PREOWNED LLC, FINANCED THROUGH WELLS FARGO DEALER SERVICES ON XXXX/XXXX/XXXX, THE TEMPORARY REGISTRATION WAS DUE IN XXXX XXXX XXXX, ON THAT DATE THE PERMANENT REGISTRATION WAS NOT SENT TO PENNDOT THE DMV FOR PA, I WENT TO THE DEALER AND THE DEALER IS PLATINUM PREOWNED LLC, XXXX XXXX XXXX XXXX XXXX, PA.THEY CALLED WELLS FARGO DEALER SERVICES. MY ACCOUNT MANAGER SAID THEY HAD YET TO SEND THE TITLE TO THE DMV, I SHOULD DRIVE THE CAR IT IS STILL LEGAL, I CALLED THE DMV MYSELF AND THEY RAN MY VIN NUMBER THROUGH THE SYSTEM AND SAID THE VIN IS NOT IN THE SYSTEM BECAUSE THEY HAVE NOT GOTTEN THE TITLE FROM WELLS FARGO DEALER SERVICES, I AM A TRUCK DRIVER AND I ASKED PENNDOT THE DMV IF IT IS LEGAL TO DRIVE THE CAR THEY SAID NO, IT IS NOT REGISTERED. IF I DO THAT MY LICENSE WILL BE SUSPENDED. SINCE XXXX I HAVE BEEN MAKING MY MONTHLY PAYMENTS TILL TODAY AND I HAVE NOT BEEN ABLE TO DRIVE THE CAR FROM XXXX XXXX XXXX TILL XXXX XXXX, I HAVE CALLED THE SAME THING THEY SAY THEY ARE SORRY AND STILL THERE IS NOTHING THEY COULD DO AND I TOLD THEM THAT OK IF THIS IS WHAT IS GOING ON, WHY AM I PAYING FOR WHAT I CA N'T USE? AND IT IS NOT MY FAULT BUT THEIR FAULT FOR NOT SENDING THE TITLE TO THE DMV ( DEPARTMENT OF MOTOR VEHICLE )?. THEY SAID THEY WANTED TO CHANGE THE NAME ON THE TITLE TO MINE AND THEIRS TO REFLECT THEY ARE THE FINANCIER, AND I ASKED THEM IF THEY HAVE BEEN TRYING TO DO THAT SINCE XXXX AND WHEN MY TEMPORARY REGISTRATION IS DUE IN XXXX, AND I HAVE BEEN MAKING PAYMENTS EVEN WHEN I COULD NOT DRIVE THIS CAR SINCE XXXX AND I COMPLAINED AND TOLD THEM I AM NOT ABLE TO GET TO WORK THAT IS MY MEAN OF TRANSPORTATION AND AM STILL PAYING OUT OT POCKET TO FIND FRIENDS TO TRANSPORT ME TO WORK WHICH IS LIKE XXXX MILES BOTH WAYS. THEY WILL TELL ME THEY WILL MAKE A NOTE AND THEY STILL CHARGEED ME LATE FEES WHICH I PAID. I CALLED AND SPOKE TO XXXX IN TITLE DEPARTMENT, XXXX, XXXX THEY ALL TOLD ME THERE IS NOTHING THEY CAN DO, THEY ASKED ME TO CALL XXXX XXXX, I CALLED AND I SPOKE TO XXXX AND SHE SAID WILL SEND OUT AND EMAIL AND CALL ME BACK, SHE NEVER CALLED ME BACK NO ONE CALLED ME BACK. WELLS FARGO DEALER SERVICES CALLED THE DEALER I BOUGHT THE CAR FROM AND ASKED THEM TO COME AND REPO THE CAR FROM ME THAT I DID N'T MAKE PAYMENTS. WELL FARGO DEALER SERVICES SENT THE TITLE TO THE DEALER FROM THEIR NEW YORK OFFICE AND THE DEALER GOT THE TITLE ON XXXX/XXXX/XXXX.
In XXXX I went to a so called friend who has a dealership cause i was in need of a car. They used a XXXX XXXX XXXX XXXX as the car to see if i would be able to get financed.The car was not even on the lot and i never seen it. They told me they were just using it to see if it would go through that i could change cars once approved. I was approved and next day they said to come back. They had car there and I didnt want it, they said finance co.wont change to pay for 6 months and i can come back and exchange.I did and then they wanted more.I couldnt do that, i just gave they XXXX.I was mad and upset they lied and was stuck with this car but i paid on it 2 yrs.It was way overpriced!!! XXXX for a XXXX car? I still owed XXXX and i just could do it anymore so I did a volunteer repo. I notified co several times to get car.My landlord had car towed off property.I notified finance co letting them know where car was, the tow company notified them by phone and certified letters and noone came to get car. Now Im being still charged full amount plus interest and late fees. The process was suppose to be they sell car at auction and any money left is what I could be responsible for but that is not what happened. The tow company salvaged the car because finance company never came to get the car. Now I am trying to buy a home and this one thing is stopping me from my dream of home ownership for my family. Please I need help to resolve this.
On XXXX XXXX, CitiMortgage transferred my mortgage to XXXX XXXX. I inadvertently let my XXXX electronic payment go to CitiMortgage on XXXX XXXX and it cleared my checking account on XXXX XXXX. On XXXX XXXX, I caught my error and contacted CitiMortgage, who replied the next day that they would forward the payment to XXXX. As of today, XXXX XXXX, XXXX has not yet received the payment. I work in banking, and I understand that this should take a matter of moments. I 'm under the impression that CitiMortgage is sitting on the funds, drawing interest.