WillisBack/dataset-financial-user-claim huggingface dataset:
In going through my statements & escrow balance today, it shows that {$1000.00} was sent to my hazard insurance carrier on X/XX/17. The bill for my hazard insurance is {$700.00}. I went through all my statements and the only disbursement is the {$1000.00} - which is incorrect. I contacted Nationstar Mortgage but no one could tell me, or would tell me, why the information showing on my account online is incorrect or why there is no statement showing the that correct amount was paid to my hazard insurance carrier. I also can not see where the {$1000.00} was deposited back into my escrow account and where the {$700.00} was paid - I actually ca n't reconcile my escrow account at all ( it does n't help that there is usually more than one statement per month - very confusing ).

There are also disbursements out of my escrow account each month ( approx {$100.00} per month ) but no description of where that money is going.

No one at Nationstar will assist. I have called several times today and am constantly told that I ca n't talk to anyone who might have the answer. I do n't understand this at all.
Bank of America stated I misused there account. There is no proof of that I was still trying to get my balance caught up and simply fell on hard times. Now that I am back on my feet due to lack of respect and discrimination I can not get a bank account. I would like proof of the alleged allegations. I never intended for the bank account to get closed my fianc a the time tried to send money to account and to no prevail succeeded. I tried to open a new account with regions only to find out Bank of America contacted early warning signs to put a alert out for me. I feel like I was profiled discriminated against and never was warren about the account being closed
My identity was stolen and a XXXX service was provided for an address in which I never lived. This service was n't paid for so I was left with a debt of {$1000.00}. I only came to find out about this debt after it was posted on my credit report as a collection. Disputed the charge but to no avail. I can provide any information needed to help solve this issue.
XXXX has violated FDCPA 809. Validation of debts. The day after they received my response in XXXX disputing the alleged debt they entered false information on to my credit report. 

" If the consumer notifies the debt collector in writing within the thirty-day 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 judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. " I have been requesting the signed contract for this account for over 5 months now and they have not been able to produce it because it doesn't exist! They keep showing statements -- - statements do no establish who took out this alleged debt! Where is MY SIGNATURE?? Who took out this debt??? Where?? At this point I consider this harassment and defamation of character.
I XXXX XXXX filed a Fair Debt Collection Practices Act ( FDCPA ) protest against XXXX XXXX XXXX ( XXXX ) collection this past XX/XX/XXXX. The debt in dispute pertains to an old Capital One account that was satisfied several years ago through another collection agency in XX/XX/XXXX. Since that time, I have re-established credit and have procured another Capital One credit card. Capital One has already deleted the old account from all of my credit bureaus based upon the 7-year timeline of the Fair Credit Reporting Act. XXXX has acquired information on me through an illegal debt pooling agreement, whereas my information floats to various collection agencies. Just because XXXX sends out validation letters does not validate a collection. Based upon a court decision in XX/XX/XXXX against XXXX called Federal Trade Commission v. XXXX XXXX XXXX, XXXX must show proof of ownership of a debt or proof that Capital One has extended approval on the collection. The attached FDCPA collection letter was explicit on the actual process that is required legally. The FTC case also stipulated that the bebt must be within the legal timeline where it could be collected based upon the sate law guidelines of the consumer 's residency. In essence, XXXX is trying to collect on a debt that has already been eliminated from any legal collection process, and that the legal timeline where the item could be carried on credit from the original creditor has passed. XXXX is in violation of both FCRA and FDCPA regulatory guidelines passed by Congress. Accordingly, this item must be deleted permanently, and my file information must be voided by XXXX. THIS ITEM POSTED IS ILLEGAL!!! <P/>XXXX MUST DELETE ITEM AND PURGE MY INFORMATION!!!
I overdrafted a bank account years ago. For about roughly 1200.00 . It was XXXX XXXX. They closed the account and on my credit report it was put into collection but was marked closed at consumers wishes. It said I had XXXX $ in collection but XXXX  was due at the time. There was never any agreement worked out or anything. XXXX XXXX  ended up selling the debt to a lawyers office called XXXX XXXX XXXX. I have been harassed brought to court, have received over 30 letters and its still an on going matter. Im a single mother and Im doing the best I can. Im not in a position right now to pay that debt. However this lawyers office will not leave me alone and I dont know what to do? Please help!
I paid all the way up until the end now this company is stating I owe $ XXXX This is a scam. Please help me
Ocwen loan servicing company did not send me XXXX for XX/XX/XXXX tax year. 
When I try to contact customer service to get these tax documents, they could not find any records of the loan ( SSN, loan number, etc. ). 
They probably erased my records because I paid back the loan in XX/XX/XXXX. 
They erased my online account which I had previously used in order to download XXXX for XX/XX/XXXX. I can not create a new user because the website does not recognize my loan number.
IN REGARDS TO : CONN CREDIT CORP ; XXXX XXXX XXXX TEXAS XXXX I've sent letters to the furnisher disputing the account listed below. I have not heard back from them, but they have verified the account as accurate .CAN THEY FRAUDULENTLY DO THIS? CONNS CREDIT CORP? VERIFYING AN ACCOUNT WITHOUT PROVIDING ME PROOF THAT THEY ARE REPORTING 100 % ACCURATE? 

I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANYONE VIOLATED THE LAW. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS.Because of this, Im requesting information about your procedures put in place to verify this account. I would like to see a detailed list of all transactions on this account. Also, provide me with a copy of the original contract/application with my signature. In addition, please show me the date that you claim that this account was opened and charged - off. 


PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 

I AND MY ATTORNEY AWAIT YOUR RESPONSE.
I have been contacted by this company numerous times over the last 3 months via mail and phone regarding a debt that is not mine. I have sent XXXX certified letters explaining the debt is not mine. I have also spoken to an agent and given all the required information to show that this is not my debt. I have not received a decision.
I am filing this complaint against  COMMONWEALTH FINANCIAL . They have not responded to correspondence of having a duplicate account on my credit report and not providing any information as to the debt. I am requesting that both accounts be removed immediately from all  XXXX  credit bureaus.   {$1100.00}  XXXX   XXXX
An ATM claim was filed with my bank, TD Bank, for a charge in the amount of XXXX which occurred on or around XXXX XXXX from XXXX. I received an information packet from TD Bank today, XXXX XXXX, with information denying my claim, there is documents from XXXX showing information on the charge but did not prove the product/item was delivered. The product/item in question is XXXX tickets to XXXX XXXX in XXXX XXXX on XXXX XXXX, I live in XXXX and have not been to XXXX XXXX on or around this date. In fact, my last visit to XXXX was XXXX XXXX to the tenth of 2015. I explained to TD Bank rep taking claim that the product/item was not received and did not make the purchase, it appears someone used my card number to purchase tickets while person was in XXXX, the purchase was made over internet. I suspect their website might have been hacked and or person had my card number written down. The card was not lost or stolen and explained that this is the only unrecognized charge Ive seen so far, did not feel need to order a new card. It appears tickets were not used upon learning ID had to be shown to get into event, Ive checked into this and learned that they were not in fact used. This information was provided by rep ( s ) at Venue Driver as well as XXXX XXXX, the party owned by XXXX. Ive attempted to resolve matter directly, however, XXXX has a strict no refund policy and will not issue refunds, even if fraud occurred. They will even deny a charge is fraud so as to avoid having to issue refunds. Their rep ( s ) have referred me back to TD Bank. They have a complaint with the XXXX as well as XXXX Attorney General 's office, both unresolved. I called TD Bank today to further dispute charge, however, I was advised it is considered closed as merchant provided proof tickets were received, this proof is merely a confirmation showing tickets were sent to my email. However, no such email was received as I have a block preventing any email from unrecognized senders. Also, as mentioned previously, I was not in XXXX on or around time of purchase and no way I would purchase tickets to an event I could not go to. In closing, please advise TD Bank I need this item further disputed. Ive attached an email from XXXX with XXXX denying refund. TD Bank recently replied again denying further inquiry into dispute, did not provide any new information as they have nothing to show any email received by myself. The information they have shown thus far is merely an email was supposedly sent but not received with item or product. Again, I wish to reiterate I was not in XXXX to attend any such event and would not purchase tickets for something I can not go to. Please do not mark this as duplicate, there is additional information contained.
I am being contacted by XXXX Debt Collection on a debt that is not mine. I do not have an account with them. I 've asked XXXX for them to quit calling, however they continue to call and actually since answering the phone, the number and frequency of calls has increased. They call at least XXXX daily.
Good Morning, Attached you will find requests for investigation as early as XXXX XXXX, 2016. I have attached the response to the requests or lack of I should say. I have asked 3 ( three ) times for Transunion to investigate and correct or delete items. I have also asked for a " detailed investigation and provide how the investigation was conducted and the details associated with them '' I have also called into the company because i am receiving unwanted credit inquiries. As part of paying XXXX a month, Transunion has a " credit freeze '' When i attempt to " Freeze '' my credit it says there is an error. 

No less than 3 times i have called on this. EACH TIME they tell me they can NOT fix this. How can Transunion, a CRA, NOT be able to fix and STOP inquiries coming in? 

Not only are they causing damage by NOT investigating complaints or responding, Transunion is allowing inquiries to appear and putting the burden on me a consumer, to do their work. If their product worked as advertised and paid for, i would not have the inquiries. 

Thanks for looking into this for me. 

XXXX XXXX
WELLSFARGODEALERSVCS CLOSED XX/XX/2018 WITH A {$3100.00} AMOUNT THIS IS IMPOSSIBLE DUE TO IT 100 % PAID OFF
On XX/XX/18 I received a threatening letter saying I am in violation & in default of the reverse mortgage agreement since I did not pay my taxes for 2 yrs & that this places my property in jeopardy & could lead to forclosure.I have always paid my taxes on time & am up to date.I received a statement from my town tax dept verifying this & can provide it to you.
Wells Fargo ( WF ) /Americas Servicing Company ( Loan # XXXX ) - Delay tactics in attempting to get to a loan modification ; The WF specialist assigned to my file does not ever pick up phone or respond to voicemails ; Many other WF specialists assigned and reassigned in the prior years, I was always asked for new information once a new specialist is assigned ( another delay ). Only XXXX opportunity for a loan modification granted by WF two years ago and rejected for reasons set out by the " investor '' WF would not communicate the reasons for rejection. I have been employed and earning more than enough to pay off the loan via a modification. Faxes I sent are not on file, notes from my conversations with representatives and with the Office of the President are not on file, and they are asking for documents I already sent on numerous occasions ( i.e. hardship letter ) I 'm skeptical about WF record retention systems for email communication and faxes they received from me and others. When it was time to resolve WF 's request for a subordination from the XXXX lender on the loan ( yet another delay tactic ), WF 's title department would not communicate with a second lien holder ( XXXX XXXX ) because they just will not do that. I waited for months! and even after I submitted a written authorization to do so on my behalf, WF did nothing to assist with my attempts to modify the loan. I 'm exhausted from years of frustration in struggling to just get an opportunity to modify my mortgage and an opportunity to pay off my loan. WF representatives say they are there to " help me '' but they are just a facade and keep delaying the process and clearly their management hopes time runs out. WF asks for more " updated '' information every month. They are clearly interested in keeping my loan in foreclosure status and they are hoping that I just go away and stop my communication with them so they can foreclose on the home as allowed under the rules ( unacceptable ). I missed my mortgage payments 5 years ago and I 'm still trying to get an opportunity to get a modification. I 'm exhausted and emotionally drained from this struggle to get an opportunity to pay off my loan and keep my home. I have nowhere else to turn for help, hopefully CFPB can help. 

Thank you.
Miss appropriate of the payment I had a settlement agreement of the debt and the comapny placed XXXX towards the debt against the original amount not the settled amount. 
The credit bureaus failed to investigate and it took three years foir the matter to be removed from the credit report. I want the XXXX I had paid back immediately.
I have never lived at XXXX XXXX XXXX XXXX, XXXX XXXX, LA. 
This address keeps appearing on my credit reports. Please advise, thank you.
This company has sent me multiple letters and has reached and spoken to me by phone so they are aware they have my correct information. I told them I would pay when I could and to stop calling until then. After that, that have harassed/repeatedly called my parents and several grandparents and have given information that this was concerning a debt which should not be given to family members
On XXXX XXXX, 2017 I went into a Navy Federal branch on XXXX XXXX in XXXX, VA. I requested a cashier 's check for my landlord in the amount of {$730.00}. The cashier who did my transaction spelled the name wrong on the check and he then proceeded to cash another check from my checking account with the right name. He voided a check and gave me the other one in my hand. I went home to take it to my landlord only to find he voided the correct check and still ended up giving me the bad one. I called Navy Federal on the phone and asked them what to do. They said since the check might be voided to just go back to the branch and get another one. I went back there on XXXX XXXX, 2017. I explained what happened to another cashier as the first one was n't working that day. She then had her supervisor issue a credit to my account so they could give me a check with the proper spelling on it. I was able to give that check to my landlord. Then on XXXX XXXX, 2017 I saw there was a credit placed on my account for {$730.00}. I went into the branch on XXXX XXXX, 2017 and asked a teller in that same branch ( Teller ID : XXXX ) if the credit was correct because I had an issue with my account the previous month and I know that there were funds taken out initially that it did n't show were out back. She assured me that it was because they were correcting the error on the account. I also called into Navy Federal member services rep and had a representative investigate further just to be sure and they also confirmed the same thing. Now on XXXX XXXX, 2017 I access my account to find they 've debited my account for {$730.00}. When I called in and asked about the debit, the member services rep said she reached out to their cash applications team and she specifically said they made a mistake in crediting my account for the funds because they do n't show that they ever removed the funds from my account surfing the first transaction. I asked her how is it my fault that the bank made a mistake and now I have to pay for it. I was essentially told that even though they made a mistake, I still have to pay for their mistake and that they are n't going to own up to it. This is unfair and unjust treatment from a banking institution that is just expecting a consumer to pay them money based on the fact that they made a mistake. Even when the customer calls and goes up in person to ask about the validity of the credit and is told that it is valid.
I was shocked when I reviewed my credit report and found a a late payment for the following date : XX/XX/2017 I am not sure how this happened. I believed that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.
its asll on transunion on my credit I have never had XXXX or checking just please look at it I have never that XXXX on my credit is not mine
Account Number : XXXX Mohela/Department of Education, I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of XX/XX/2014, 120 past due as of XX/XX/2014 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 this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
I n  XX/XX/XXXX i filed for Chapter  XXXX  Bankruptcy, 4 years later i still was struggling and became homeless with  XXXX  children, it was at that time I converted my Chapter  XXXX  into a Chapter  XXXX  Banruptcy in  XX/XX/XXXX  which was granted i also received special hardship cosiderations which aloowed me discharge 2 small student loans for for {$870.00} and the other for {$1100.00} through bankruptcy which I promptly provided to the dept of education as well as the  XXXX  credit agencies,  XXXX ,  XXXX  and   XXXX   which they all updated on my credit file included in banruptcy upon receiving to proper documentation. every couple of years i notice they would re-age the debt and take off that it was including in bankruptcy which has constantly kept me resubmitting the same bankruptcy paperwork to specifically  XXXX  as once again I have noticed as soon as the bankruptcy hit the 10 year mark those same 2 debts were relisted as active debts once again. I dont understand why   XXXX   keeps doing this even after i have continued to provide documentation to the to correct these errors..
I have tried unsuccessfully to contact Citizen 's Bank regarding my checking account # XXXX and do not have the ability to see on my end what is going on with my account i.e. how much money is in the account as I am waiting for credits for the multitude of continued fraudulent use of same. On XXXX XXXX, XXXX, I got a copy of my XXXX 's statement and the bank too out {$75.00} from my Pension for overdraft fees when I have not used nor had a card to use as it was closed by Citizen 's Bank because ( I was told ) I filed a Complaint of fraudulent!!! My XXXX is in the amount of {$2000.00} and I withdrew it 's entirety except leaving the change so as to enable the Bank to give me the credits they owe me!!! I only received {$1900.00} leaving the {$0.00} to keep the account open as aforementioned!!! Also money was stolen in XXXX - once on the XXXX Wednesday of the month in excess of {$400.00} and on last day of the month in excess of {$250.00} stolen from my account also stating for overdraft fees when, in fact, the Bank owes me money for cyber theft or some fraudulent amounts stolen as has been since I noticed on XXXX XXXX, XXXX.
I pulled my credit and happened to see a major error on my credit report. I 've s ent in 3 certified le tters to all  XXXX  credit bureaus. Incorrect inaccurate, errored information that these credit bureaus are reporting. I 've asked the companies to show me verification of any documents or verify my signature and they have failed to do so several times and they continue to verify an account that has nothing to do with me.
I have decided to escalate this matter to the Consumer Financial Protection Bureau due to the fact XXXX XXXX has failed to update the records related to a past due account that was charged off in XX/XX/XXXX. I wrote to XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX. The account was paid in full ( {$590.00} ) on XX/XX/XXXX to the collection agency handling the account ( XXXX XXXX ). Despite my payment in full, XXXX XXXX XXXX has not updated the status of this account on my Experian report ( but has on all other credit bureaus ) to a current/paid status. Furthermore, they placed this account in charge off status on multiple occasions, including more recently in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which makes is being reported as if I continue to miss payments or I am not fully paid on this closed account. I have tried numerous attempts to dispute the current status of this account to no avail with Experian and XXXX. I am in the process of purchasing a home and this item is affecting my credit score. I notified XXXX that my dispute is related to how the account is being marked as charged off, when it should be currently marked as paid/current. I provided additional documentation regarding the payment and the dismissal of this matter which was escalated to the courts of the District of Columbia. Correcting this item is proving to be an extremely frustrating task as I continue to be passed around in circles. Please let me know what additional information you need to correctly update these records immediately to reflect the current account status. Please feel free to give me a call with any questions or concerns.