WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX has been working with Seterus to be reviewed for alternatives to foreclosure. Upon suggestion from Seterus, XXXX listed the property for sale as a short sale and subsequently received an offer on his property. Upon submitting the 3rd party authorization to Seterus on XX/XX/XXXX and the full short sale application to Seterus on XX/XX/XXXX, I was advised that " Seterus is way too backed up and behind to even work on getting the borrower 's authorized third party onto the account any time soon ''. I was also advised that " because Seterus is so behind, we probably wo n't even get around to this short sale for the next month. 

It is inexcusable to take two weeks to have a borrower 's AUTHORIZED third party listed on their account to speak on their behalf. It is also inexcusable that this homeowner is trying to avoid foreclosure, has a valid hardship, followed the steps he was advised to take and is being told that his bank simply wo n't have the time to help. There is a foreclosure sale date coming up and Seterus wants no accountability. I do not know what games Seterus is trying to pull but this is not helping their borrower - it 's pushing him into a further hardship.
As of XX/XX/XXXX, I contacted Monarch Recovery XXXX XXXX to obtain a receipt for each payment I've made to them regarding my debt with XXXXXXXX XXXX. This account was settled with my final payment of [ {$180.00} ] being made on XX/XX/XXXX. 

The payments I made to Monarch Recovery XXXX XXXX, were done by phone and while they recently sent me an account settlement letter, indicating that my debt with XXXXXXXX XXXX is settled, when I asked the representative for receipts for the payments I've made to Monarch Recovery XXXX XXXX he told me that he could not do that. 

I explained that I didn't receive receipts for my payments to Monarch Recovery XXXX XXXX  but only the few accounts letters he acknowledged that were sent, but which only indicated my account balance and my final payment to Monarch Recovery XXXX XXXX 

The most recent letter I received from Monarch Recovery XXXX XXXX, dated XX/XX/XXXX, also shows a Total Balance Due of [ {$94.00} ], despite the fact that my account was settled on XX/XX/XXXX, and while it was explained to me that amount reflected a remaining so-called " savings balance '' after agreeing to their settlement offer, the way it appears in this statement from them, could easily be misconstrued as indicating that I still owe an outstanding balance. 

In light of this fact as well as the fact that I've never received receipts from Monarch Recovery XXXX XXXX, I implored the representative from Monarch Recovery XXXX XXXX that I'm entitled to a receipt of payment for each transaction I made to them and that, specifically, this is what I was requesting, to which he continued to assert that Monarch Recovery XXXX XXXX had issued, when in fact, I have NOT received any receipt for any of the payments I've made to Monarch Recovery XXXX XXXX. 

I know, by law, I am entitled to a receipt for any transaction I make, and before my XXXXXXXX XXXX   debt was sold to Monarch Recovery XXXX XXXX, it was being managed by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, of whom always provided a receipt of payment to me, along with a confirmation number, for every payment I made to them as collection on the debt I originally owed to XXXXXXXX XXXX. Even before my XXXXXXXX XXXX  XXXX XXXX account was sent to their own collection department, XXXXXXXX XXXX  itself, also always provided me with a receipt of payment for every payment I made. 

To date Monarch Recovery XXXX XXXX is refusing to provide me with receipts for the payments I made to settle my outstanding debt with XXXX XXXX This is why I am now reaching out to the CFPB, because I need help ascertaining this information I am legally entitled to, from Monarch Recovery XXXX XXXX.
my mortgage was transferred to Ditech few months ago from Green Tree, where i have file few complaints about charges they claimed they had made to my property, and the result to that complaint all fees were supposed to be waived. and a letter was sent the Office of the President also and the fees were supposed to be waived. Now Ditech who has my mortgage has been charging me something call ( CORPORATE ADVANCE BALANCE {$75.00} ) its under account information no real explanation why, but under my explanation of amount where it says escrow, interest, principal, now there is a total fees & charges of {$7.00} i called today to find out what are fees are for since, I spoke with XXXX # XXXX who told me its for repair that was done in my property so its been broken down every month. I have tried to tell her this issues were resolved but i could not get a word. My major concerns now my account has been bounced around from XXXX company to another company and their statements not even clear to understand the charges. I need help dealing with the charges on my account that are not supposed to be there and a better explanation of statement** CORPORATE ADVANCE BALANCE** no one understands what that is there for.
On XX/XX/2017, I received and alert and a phone call from my bank, XXXX, with an alert of possible fraudulent activity. At XXXX, I received a message asking if I had made money transfer. At XXXX, I responded that I had not made any transfers. At XXXX, I received a call from my bank and my account was frozen for my protection. 
I immediately tried to sign into my American Express Serve account to no avail. At XXXX, I called American Express customer service to report the problem and discovered that my account had been hacked and my password had been changed. Someone had made transfers in the total amount of {$930.00}. The representative gave two names and asked if I knew them, which I did not. The names I was given were " XXXX '' and " XXXX ''. I do not know these people. I was reassured that the matter would be investigated, and the persons involved would be prosecuted. I was thankful to know that I would be protected from this fraud. 
On XX/XX/XXXX, I received two emails, one notifying me that the investigation had been closed, that I was in violation of my account agreement, and that my account had been locked and my account privileges suspended. And the other stating that based on their investigation, they determined that no error occurred and that the transactions in question were authorized. They also stated that I had the right to review any documents they relied on in making their determination. 
On XX/XX/2017 ; I mailed a request for this information, using certified mail with a signature card. I sent it to the address given and it was signed for on XX/XX/2017. 
I still have n't received and documents showing how they made their determination. I have called customer service on numerous occasions and several rep have claimed that they would send my concerns to their investigative team and I still have heard anything and no one will give me a number to call the investigative office, claiming they do n't have a number to give me.
I had an excellent payment history with Santander before the engine locked. All maintenance was up to date but the engine locked anyway. I called Santander to find out what they could do to assist me because I could not continue to make the payments and purchase an engine as well. Because Santander would not work with me, I ask them to come and pick up the truck. They did pick up the truck at my request and sold it at auction however the show the full amount of the balance owed.      Santander could have worked with me. I was never late and all I asked was that I have some relief until I got an engine in and they would not work with me. They do n't even show it as a voluntary repossession.
I was less than 60 days past due on my payment but the company reported me 60 days past due. I called the call center on XX/XX/XXXX. I gave my husband verbal authorization to speak to the agent. The agent explained to us that their company only reports negative reporting when an account is 60 days past due. The agent confirmed that the XX/XX/XXXX payment was made on theXX/XX/XXXX. The payment that was due on XX/XX/XXXX was paid on XX/XX/XXXX. We made a payment on XX/XX/XXXX it was returned, and that was our fault, thus the XX/XX/XXXX payment remained outstanding, once we became aware that the prior payment was returned, we paid it again when we paid the entire balance on XX/XX/XXXX. All these due dates and payments as described here are not in dispute with the credit card company or us. The dispute arises when the agent explained that the XX/XX/XXXX payment, which was not made until XX/XX/XXXX, was actually 60 days past due based on the billing cycle. That is wrong, I can't wait for them to pull out some fine print to somehow explain that a due date printed on a statement is not really the due date. Once I get whatever answer that I can not even conceive of, then I will move to phase two of this complaint on how deceptive a practice it is to have a due date not really be the due date.
Without notice, my credit cards were closed by Bank of America. This was done the day before my statement closed in an effort to steal my rewards. I had about {$5000.00} worth of points on my 3 credit cards that were closed.
There was a big scam through XXXX at XXXX XXXX and they were forced to close this XX/XX/2009 XXXX XXXX XXXX were scamming as well told the kids they were clear, then turn around and charge them and there parents $ XXXX {$700.00} each at the end of what they told XXXX-and XXXX yr olds kid " you have been cleared " they kept there last months grant funds which in this case was about {$370.00} times XXXX student then charge them again {$600.00} each and then each parent $ XXXX {$700.00} totaling nearly {$6700.00} they got my name through student registration i never signed there lease .this is a scam through XXXX which was shut down because the lied and there the same way and should be shut down for there misrepresentation to all those kids and there parents
Referencing : Case XXXX XXXX XXXX/XXXX/XXXX I was inquiring about the Navient Law suit and I was n't sure the process of seeing if i qualify for a reimbursement of the student loans charges on my account. Navient Acct : XXXX Amount owed : {$84000.00}
There is a company called Central Financial Control who is refusing to delete a series of collection accounts from my report. I do n't know who this company is, what services they offer or why they want money from me.     I 've never had any business dealings with them in the past and they have never provided me with any supporting documents to back up the debts they are claiming I owe them.     There are currently  XXXX  past due accounts being reported to my credit by them! These are the account numbers and balances that I could pull out from a recent credit report : Account # : "  XXXX  '' and {$14000.00} balance ; Account # : "  XXXX  '' and {$4700.00} balance ; Account # : "  XXXX  '' and {$2200.00} balance ; Account # : "  XXXX  '' and {$740.00} balance ; Account # : "  XXXX  '' and {$740.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$73.00} balance ; Account # : "  XXXX  '' and {$73.00} balance ; Account # : "  XXXX  '' and {$73.00} balance ; Account # : "  XXXX  '' and {$50.00} balance ; The only information I can find for them online are bad reviews and scam stories by other consumers who have been taken advantage of.
To whom it may concern : My name is XXXX XXXX. On XXXX XXXX, 2017 I sent several certified letters over to each of the creditors and credit bureaus and you have yet to correct the error account that you are reporting on my credit profile. You continue to send me a bogus verified code account. I am unaware of the accounts listed below and have no knowledge of the accounts. I have never applied for any of the accounts. I have no idea, credit cards and have never applied to XXXX XXXX/GAP/TJ max, JC Penny, XXXX XXXX , XXXX & XXXX XXXX At this point I am fed up and I am distressed. My only result is to take legal actions, I remained professional through out this situation and Ive sent in certified documents hoping that you guys would correct the error in respect to violationg my rights within The FCRA. I am only left to contact the attorney generals office in XXXX XXXX County, also File a police report against your company for using my credit profile and placing error accounts on my profile without my consent and this isnt the first time that you have done this to me. At this point I am fed up and in distress with the hell that you are causing. You have caused me so much problems and I will make sure you pay the consequences and court fees of {$10000.00} in court fees for violating me through the FCRA, placing error accounts on my credit file and other violations. At this point this is my final attempt to resolve this issue out of court. If you feel that I am wrong please feel free to provide me with all the necessary steps, documents used to determined that this debt is for me and I am liable for it. Please provide me with the necessary information and detailed copies of the paper work and documents. Thank you please.
I started receiving calls from Ad Astra on XX/XX/2018. My cell phone logged 17 calls and 3 letters. I spoke to them and wrote to them explaining I am on XXXX which makes my income exempt from collections. The company that sold them the debt knew that and they should go after them for selling them an uncollectible debt. They then placed it on my credit report in XXXX and so far haven't removed it after I asked them to. I have no assets that they can seize so they are wasting their time.
I am enrolled in two classes at XXXX XXXX XXXX for the Fall XXXX semester. On XXXX XXXX Navient sent me an email notification that my loan was placed in a status of in school deferment as of XXXX XXXX. I did not request a deferment and have continued on paying my monthly loan amounts. I did not submit any paperwork for an in-school deferment, nor did I approve or agree that an in-school deferment could be automatically initiated. I immediately contacted Navient customer service on XXXX XXXX. I was told by a customer service representative that XXXX XXXX XXXX notified Navient that I was in school and that this notification triggered Navient to change my loan status to in-school deferment. The customer service representative informed me that the in-school loan deferment was removed from my account on XXXX XXXX. I have not yet received email confirmation that the in-school deferment was removed. I am concerned that the adjustment of account to in-school deferment was completed without approval.
During the process of selling a property XX/XX/XXXX, I was told by the title company that they were unable to get a clear title because a day before the scheduled closing XXXX claimed there was a mortgage default and would not clear the title. As a result {$60000.00} is being held in escrow from the sales proceeds. The mortgage on the property was paid in full in 2003. I have proof in the form of cancelled checks, bank statements, XXXX forms from the mortgage company which correspond to my tax returns, a payoff balance letter form the mortgage company, and a congratulatory letter from the mortgage company when I sent final payment. The original mortgage was with GMAC Mortgage the final mortgage payment was made to them. Due to the banking meltdown, this issue has ended up with XXXX. Lawyers at the title company I 'm working with have contacted attorneys at XXXX and XXXX XXXX, a vice-president at XXXX. They been unsuccessful in obtaining from XXXX what they are claiming the actual default is or any proof that there even is a default. I have called XXXX XXXX VP at XXXX numerous times to only receive voice mail. I have sent numerous emails with the same result. I also went to XXXX in person and attempted to speak personally with XXXX XXXX and deliver supporting documents as listed above. I was n't even able to gain access beyond the lobby of the building. In addition, no one would accept the packet of documentation I had prepared for XXXX XXXX. 
It is now being suggested to me, by the title company, that in order to release the escrow funds I may need to buy a bond for an additional {$900.00}. This mortgage was paid in full thirteen years ago and I have the proof. To pay more now seems ridiculous.
XXXX XXXX XXXX many emails and as you see they stopped responding. 

I CANT WITHDRAW.I HAVE TRIED ON 4 OCCASIONS AND THEY SEND ME THE SAME MSG. COINBASE FORCES ME TO UPLOAD AN ID, ( WHICH I CANT DO BECAUSE MY ACCOUNT IS CLOSED KEEP THAT IMPORTANT FACT IN MIND. ) SO HOW AM I SUPPOSED TO GET MY FUNDS. IM TRAPPED IN THAT LOOP????????????????????????????????????? THEY SAY I CAN WITHDRAW BUT I CANT WITHOUT AN ID ON FILE. SOOOOOOO????. IVE BEEN TRYING TO EXPLAIN THIS FOR 3 WEEKS BUT THEY WONT LISTEN. I DONT NEED DETAILS ABOUT THE CLOSURE I DONT CARE. WHAT I WANT IS TO KNOW IS HOW IM SUPPOSED TO WITHDRAW MY COIN IF IM TRAPPED IN A LOOP TELLING ME I HAVE TO UPLOAD AN ID ( WHICH I CANT DO BEING LOCKED OUT ) I DONT WANT TO AN EXPLANATION.I JUST WANT MY COIN. THIS SEEMS LIKE A VERY VERY FLAWED PRACTICE THAT NEEDS TO BE FIXED.
I have a bankruptcy on my credit file. I w rote the BK co urt to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I contaced  XXXX   XXXX , Transunion,   XXXX   XXXX   XXXX   they just said it was verified with  XXXX   XXXX . I wrote  XXXX   XXXX  and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.     The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus.  XXXX   XXXX , which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information from a court, when it is actually obtained from an unna med 3rd party, could e asily be considered false information on my credit report.
For whatever reason, this account has been nothing but a nightmare. My account was somehow " delinquent '' and showing as so on my credit report but in fact was due to XXXX XXXX  system and error. I brought this to their attention multiple times, they agreed and accepted this fault and removed the info. I just got a notification that I have a new delinquent account because they for whatever reason put these old " negative '' remarks on my credit report which caused a major issue with my score.
US Bank removed the following feature from the terms of service after I paid an annual fee, specifically for this and other features. 
" Bonus Award Night - Redeem XXXX for XXXX or more consecutive Award Nights and the last night is free. Exclusively for cardmembers.
BOA has refused to pay the settlement of this class action suit for 2 years. The original check was lost during a move. They say they will send a new check, but never do. My reference number of last phone call and request is XXXX. Please have them pay the money due and since it has taken 3 years interest for that time period in addition to the settlement fee.
Conserve debt collection agency appeared on my credit report, reporting a balance of {$4200.00} that is allegedly owed to XXXX University. I disputed the account with the XXXX major credit bureaus and received a letter from Conserve, as notice of completion of their investigation and determination of verification of the alleged debt. 
The letter includes a financial statement that lists the charges and payments that the University allegedly imposed and collected. It also lists a charges total of {$10000.00} and a payments total of {$10000.00} and a balance of {$0.00} ; also included in the letter is an admission and enrollment agreement. 
The letter does not validate the accuracy of the alleged account or the amount of the alleged debt. The financial statement shows there are inaccuracies in accounting and the alleged account 's financial statement does not show transactions that would validate the alleged date, nor does it provided any information that would validate the alleged amount of debt.
XX/XX/XXXX-XX/XX/2011 I damaged my phone and returned it to XXXX. They claimed they never received it and charged my account {$370.00} for " lost equipment ''. I disputed this with them at this time to no avail. 
I cancelled service ( outside of contract ) and went to another provider. XXXX continued to charge me monthly after I left the company. 
I do not owe XXXX {$2300.00}. My position is that I owe them nothing but I am willing to settle for the " lost equipment '' charge and have this removed from my file. 
I approached the collection company and offered to settle. They replied with an amount that is out of the question. 
Please help, they have been less than cooperative. 

Regards, XXXX XXXX
Today XX/XX/XXXX I was contacted by MRS about debt I owed XXXX that I never paid. I then contacted XXXX  and they say I don’t owe them anything and they never contacted mrs to collect debt.
XXXX   XXXX ,   XXXX    Bureau of Consumer Protection  Federal Trade Commission  XXXX    XXXX   XXXX   XXXX   XXXX   DC  XXXX   XXXX  : FAILURE TO RESPOND TO DELTETION/CORRECTION LETTER To Whom It  May  Concern : On  XXXX   XXXX ,   XXXX  , I received a letter from Equifax that they had completed an investigation and deleted the bogus information on my file ( please see attached ), yet as of today it still shows on my credit file and has not been deleted and they have refused to remove it.     The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. They also can not add it back to my file per the law. Equifax has not followed the law because they have not deleted the information per their own investigation.     I also understand that may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. This is an apparent disregard for consumer protection laws.     If you have any questions or need additional information, please contact me at the address noted below.       Thank you.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  XXXX
The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Received a Demand for Payment letter from the above company on XX/XX/XXXX for a NJ toll violation dated XX/XX/XXXX for {$29.00} on our current motor vehicle tag. 
Called XXXX XXXX who confirmed that there was no outstanding violation and that the collection agency was not one which they use. 
Called the collection agency to query. They tried to ask for all our personal details and when we pushed back with the information provided by XXXX XXXX and indicated that they were committing fraud, they cut the call.
Experian is reporting multiple names and address under my credit file. I have tried to dispute them on numerous occasions, provided proof of identity and yet they still refuse to delete this names that are not mine. I do not want to continue having these names on my report possible penalizing me for some one else 's mistakes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX