WillisBack/dataset-financial-user-claim huggingface dataset:
Please refer to case # XXXX. Realize that I have gotten XXXX different excuses from fortren funding and the title co, I Abstract on the whereabouts of my cashiers check in the amount of $ XXXX.First it was towards the title fees, Then I was told that XXXX failed to pay my taxes, then I was told that I spent the disbursement money for something else.Be advised that XXXX does n't have a clue to what he is talking about because he had nothing to do with this loan at the time.XXXX XXXX who stated that he was the Sr. loan officer taking this over on behalf of XXXX who I started this process with..It turns out at this time that the Title Co.in fact however discovered, that cashiers check did get lost and I should be expecting that check back according to XXXX at I Abstract Title Agency for the full amount.I was told this on XXXX.Now the funds that I have been paying for the last 18 months towards this shortage is the question of matter on how this gets fixed and recovered.Therefore, If I add up {$200.00} times the last 18 months comes out to {$3600.00}. And this is why I am not going away anytime soon about this factor.This is the reason I am and have been requesting a hearing so we can go over step by step with the proper authority and that the proper protocol was followed. In fact what XXXX XXXX does not want anyone to know is that I was told from him in early XXXX of 2015 not to draft anymore payments from my checking account to XXXX. When I checked my account on XXXX XXXX I was told from XXXX XXXX no action was taken yet and my taxes were still due. I had called XXXX and cancelled this deal immediately for misleading me..At this point is where XXXX XXXX called me up and explained to me that he already spoke to XXXX and that I had a grace period til XXXX XXXX, to pay those taxes in which " I would put the funds out in a cashiers check to the title when she arrives at my home on XXXX XXXX 2015, and that I will be getting most of these funds back in a month or so costing me about {$500.00} in out of pocket expenses '' And " that I should not have a problem coming up with {$2400.00} since I would be skipping 2 monthly payments '' ... I also have this document in writing from XXXX and XXXX XXXX in an e-mail.This is probably why XXXX is defending him and every time I call XXXX to discuss this matter to go over documents he blows me off and pretends nothing happened because the man is running and he is hiding from me ... yours truly XXXX XXXX
Nationstar Mortgage refuses to supply proof of XXXX XXXX approval of a XXXX transfer of our loan from XXXX after we submitted a completed first lien loan modification packet. Nationstar states they have no modification documents from XXXX. The trustee ( XXXX XXXX XXXX ) stated that Nationstar had started the foreclosure process and we owed them money. We requested verification of the debt from XXXX and they replied back stating they could find no record of our account. Nationstar changed the locks on our home and took our personal property. We filed a complaint in California Superior Court Our investigation leads us to believe that Nationstar has XXXX and is not our loan servicer.
Capical oNE has.my debit card and receives my social security d eposits. They are always putting restrictions on my account for no good reason. As of now I can not open profile that is my name and address and forms I wish to name my beneficary. 
I call them to lift the restrict ions I get passes to so many different agants. The latest excuse is that I left XXXX and went to XXXX and used a dI fferent wifI on my cell. Phone. They said my access to profile is blocked for several days until operations I XXXX reviews it. Do I have to get permission from Capital one to go somewhere. 
I get the impression that securit has. Nothing to do except block account features. 
They are persecuting account holders and interferING with banking. I assured them no one had access to my account nor my cell phone.
This debt was a result of medical services with the original creditor, XXXX XXXX XXXX. After application and review by the original creditor ( XXXX XXXX XXXX ) it was determined that I was not the responsible paying party and had no liability for this debt and as such it was paid by Insurance or other Government Agency and therefore as I had no obligation for this debt so no collection would exist. 

According to my records, the original creditor recalled this debt from collection agency with instructions to close the account in the collectors office and to remove any item that had been placed on any credit reports. Instead they just closed it and continue to report it on my credit report. it should be removed and not merely updated as a Paid Collection. 

On XX/XX/2018, I mailed to XXXX XXXX XXXX a letter ( attached ) in which I disputed this account and requested that it be removed from my consumer credit reports that they had reported to. I never received a response from this company. 

On XX/XX/2018 I initiated a direct dispute with TransUnion requesting that this item be removed as it was paid by INSURANCE directly to the Original Creditor. 
TransUnion responded that the collection Agency XXXX XXXX had verified this account as being reported true and accurate and so it would remain. 

It is my belief that neither party did a meaningful and complete investigation into this matter because if they did they would have removed this false, inaccurate and misleading account as I was not the responsible paying party. 

As this was paid by Insurance or other government agency directly to the original creditor and the original creditor has determined I am not the responsible paying party this should be deleted from my Consumer Credit report and not just updated to show a paid collection. 

In addition after my dispute directly with TransUnion, the furnisher of this information XXXX XXXX went in and done an update to my credit report and marked it as a closed derogatory account and changed the close date to reflect XX/XX/2018 in order to make this account look like a new closed collection in a further attempt to damage my credit rating and cause me to suffer financial losses by having to pay higher interest rates. I want this removed from all credit reporting agencies.
I was not properly notified of the debt until after it was turned into collections. I have since paid & satisfied the debt. I contacted the debt collector and they stated they will not remove the satisfied debt from my credit report!
Capital One purchased my account from another company and then claimed that I made a late payment with them, but I did not have this account with Capital One at the time they are reporting a late payment. Now that I have disputed this account, they have reported a disagreement code with a resolution of dispute to all of the credit bureaus without my permission. This has blemished my credit report further.
Closed on our home XXXX XXXX, XXXX. Purchased a 12 month home owners insurance policy. We were contacted in XXXX XXXX to purchase a new policy. My insurance agent provided Amerihome Mortgage with the new policy information. We received a letter today from home owners insurance. It stated " The insurance policy is being declined for the following reason : Non-Payment Insufficient premium received by the due date I checked with XXXX XXXX. The loan number and contact information they have for the mortgage provider are all correct. We also received a letter from Amerihome. They have provided us with a policy that cost 350 % more than the policy we found.
On, XX/XX/XXXX, I entered into a retail installment sale contract with XXXX XXXX XXXX XXXX XXXX to finance the purchase of a XX/XX/XXXX XXXX XXXX. As part of the transaction, I purchased Guaranteed Automobile Protection ( GAP ) for {$500.00}. I experienced a total loss on XX/XX/XXXX and notified my casualty insurance company. Per Chrysler Capital, a GAP claim was submitted to the GAP Administrator, XXXX XXXX XXXX XXXX As of today, XXXX XXXX XXXX XXXX has not honored the claim. This has caused me to pay additional interest because my balance has not been reduced by the GAP proceeds and I may also have experienced negative credit reporting. The following is the contact information for XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Texas XXXX XXXX The dealership that sold the GAP may be contacted as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, Georgia XXXX XXXX All required information has been provided to XXXX XXXX XXXX XXXX and I paid the premium through XXXX XXXX XXXX XXXX XXXX. I respectfully request for you to assist me in having my claim processed. Enclosed please find my complaint to the CFPB, Chrysler Capitals response to me and the claim documents provided to XXXX XXXX XXXX XXXX.
On XX/XX/2017 I escalated my complaint to wells Fargo corporate to inform them the claims department was refusing to investigate my claims the rep I spoke to before XXXX stated the claims department do not have to investigate my fraudulent transactions ( in other words ) and begame putting words in my mouth that was not what i said like she was conspiring to my fraudulent transactions or it was her her self which had a part in these fraudulent transactions on my account
I have been given little to no options on repaying my loans. I can not afford my current payment and there is no help!
Received a letter from this company  XXXX   XXXX  claiming I owed mon ey on a 4 year old hospital  visit {$660.00}. At the time I had  XXXX  and a supplement, at the same time they filed as a collection account with the  XXXX  major credit reporting agencies in order to wreck my credit and force me to pay. In the letter I was given 30 days to notify them if I disputed the validity of the debt, however they notified this as a collection account immediately to the agencies. I have called them twice and can get no answers, these are sleazy scammers. If you note in the letter they cant even spell my name correctly.
Back in 2011 I have received an offer for modification from bank of america. After numerous conversations Bank of America representative advised me to stop making payments in order to qualify for modification, and I was told that in case of modification being approved the lates would be removed from my credit report. However it has been 4 years since my approved modification and bank of america has not removed the lates from my report which they forced me to have in first place. Now I ca n't even refinance or sell my house due to their negligence and ignorance to my numerous requests. I hope this complaint will bring justice and have bank of america comply and remove lates reported erroneously in first place
My husband was in XXXX XX/XX/2016. I paid XX/XX/XXXX and XX/XX/XXXX mortgage payments. XX/XX/XXXX i called Wells Fargo and asked if i could defer 6 payments to the end of the loan or perhaps pay only the principal for 6 months while my husband was in the hospital. I was told that they do n't do any of that and they could n't help me. I called 4 times just in the month of XXXX, finally i got a customer service person that told me they have an outside company that works with them on all of that and i was forwarded. XXXX XXXX was the persons name i was put into contact with.Unlike what the customer service person told me he DID work for Wells Fargo. He asked me to give him information which i did, it took several weeks by this time it was XXXX and i had not made a payment since XX/XX/XXXX. After submitting paperwork i was told in XX/XX/XXXX they would not help us and that all i could do is pay up the account or be foreclosed on. Since the XXXX of XXXX i have been trying to pay the account up they will not take the payment. Customer service at the XXXX number refused. Location bank Tellers refuse. with no reason why, i am just told they can not help me and there is nothing they can do for me. Finally after 3 attemps on the phone and 4 attempts in person i got a banker at the XXXX XXXX Wells fargo to give me a reason. XXXX XXXX XXXX has a block on the account and no payments can be made. I have contacted him several times now and am still waiting on contact back. Seems they would rather foreclose then to allow a person to pay for their mortgage. I thought refusing payment was illegal?
We were charged a late fee of {$35.00} concerning our  XXXX  payment.  Fay Servicing po sted the payment on  XXXX   XXXX , but the check was cashed on the  XXXX . I have twic e e mailed them copies of the bank statements to attest to this fact and they  will not remove the fee. At the appropriate area of this form, I will copy and paste a 6 month payment history from my bank,  XXXX   XXXX   XXXX   XXXX .
American Express closed my account with approx {$7200.00} due immediately. I agree that I owe the money.I 've become XXXX 2 years ago. My only source of income is my social security every month.XXXX XXXX XXXX of Amex calls every 2 weeks since XXXX 2015 and hustles me out of {$50.00} every time. XXXX repeatedly threatens me that she will send this to an " outside agency '' if I do n't pay up. I 've explained to her I have a social secuity back pay award coming in the next 60-90 days but she will not accept that as a guarantee of payment. I 've offered to fax my documents from SS but she still insists she ca n't accept documents as proof of payment. XXXX XXXX has gone as far to suggested I sell my house, beg family and friends for loans. I fell threatened by XXXX calls and threats of going to an " outside agency '' Again I agree I do owe the money however I ca n't see how Amex with be damaged by waiting 30-60 days more to get the entire amount owed.
You closed my case.Why? as a veteran, with proof of what Bank of America did to us. we were paid up, have proof of that, How can a Bank go into court with a fake deed, ( have proof of that ) pay of 4 Insurance companies from our account, and expected us to get the money back.have proof of that.lied to the court. Have them on tape saying that they messed up. we still lost our home. now we are being harassed by boa send us email stating that I was suppose to get our money, want to help us, even set up a fake wire transfer stating We were getting money owed to us.Why are you letting them get away with this? No man that have served his country should be treated this way. ( his Grandfather served in XXXX. ) it is a matter of justice.We will not go away. Why did you close our case?
I have a Fixed Mortgage Loan in the amount is XXXX I have been paying Mortgage Insurance Premium ( MIP ) {$670.00} The Mortgage company did n't remove the MIP when a reached XXXX % of the mortgage loan. According to the MORTGAGE INSURANCE ANNUAL DISCLOSURE Automatic Termination of PMI : If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach XXXX % of the original value of the property. If you are not current on your loan payments as of that date, PMI will automatically terminate when you thereafter become current on your payments. In any event, PMI will not be required on your mortgage loan beyond the date that is the midpoint of the amortization period for the loan if you are current on your payments on that date. 
I Reached XXXX % on my loan {$89000.00} back on XXXX XXXX, 2013 XXXX/XXXX/2013 Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2013 Payment XXXX XXXX XXXX XXXX XXXX XXXX The Balance in my house is {$24000.00} and I am requesting the full refund of my MIP overpayment since I reached XXXX %. 

Thank you in advance for you help.
Two fraudulent transactions in the amounts of XXXX and XXXX on XX/XX/31 from XXXX were reported as such, fraud, to American Express on or around same date of XX/XX/31. To date, both transactions remain unresolved, no credit issued. I have not been provided any information showing I authorized either transaction, I have not received anything from the person, XXXX. XXXX requests the full card number in order to investigate the charges, I only have last four ending in XXXX. American Express needs to either credit back the transactions or provide full card number, which was replaced since with a new card number. I need full card number in order for XXXX to investigate on their end, they can not do anything with only last four of card number. Failing to provide full card number, they need to simply credit back both charges as they are fraud.
A few months ago, I bought some anti-virus software from a scam company called XXXX. They convinced/tricked me into thinking that I was receiving a refund and that I had double the money in my checking account ( Over {$2000.00} to increase of over {$5000.00} ). They were able to accomplish this because I gave them access into my laptop using a program called XXXX. So, I returned the extra money to them with my debit card and PIN since it was n't mine, and I did n't want to cause problems with a company providing me with what I thought was a legitimate service. When I went home, I saw that my checking account was empty. I called the bank ( JP Morgan Chase ) to complain about letting this happen, due to the fact that I 've never purchased anything for over {$2000.00} in my short time on this Earth because I 'm a XXXX in my XXXX who ca n't financially support myself yet. The bank said that they could n't do anything because it was an authorized transaction. I also filed complaints with the XXXX Police Department, the FBI ( still waiting to hear from them ), and XXXX ( the transfer company that was used to send all of my money to some jerk in XXXX named XXXX ). So far, nobody has been able to help me, and for some reason, these XXXX of XXXX ( refraining from swearing on here ) are still walking free somewhere in XXXX scamming innocent people such as myself, who are n't tech savvy enough to realize they are being taken advantage of by a company with enough resources to pass themselves off as a legitimate business. 

Anyway, when I contacted JP Morgan Chase, they said they could n't do anything because it was a debit card transaction authorized by my PIN number, and I basically did everything that I was n't supposed to do. These foreigners ( not being racist, but whatever ) used pressure tactics such as threatening to destroy my computer and forcing me to get into my XXXX and drive to XXXX ' XXXX ( a store I do n't like going to ) and send them all of my money to a foreign country never to return again. I want my money back, and I want someone to pay for this ( such as throwing these dirty people into a state penitentiary in order for their XXXX by criminals who are n't afraid to admit that they are indeed criminals ). I 've had it with the people in this world, and I want some form of justice.
I accidentally created an account with Trans union and was immediately charged to my credit card.In their advertising, Trans Union falsely claimed that their credit scores and credit-related products were free. This billing structure, known as a negative option, was not clearly and conspicuously disclosed to consumers. Luckily my credit history is too new and they said " I won't be charged ''. I then wanted to close my account but they make this purposefully difficult to do.
I have had two separate reporting incidents from " XXXX XXXX '' for a medical bill (? ) from XXXX XXXX XXXX in XXXX, NC. for the amount of {$340.00} on XX/XX/2018 and again {$130.00} on XX/XX/2018. I have reported/disputed to XXXX  and both have been removed as of XX/XX/2018. I contacted both the initial biller/creditor and the collections company, both have no record of my name ( married of maiden ), DOB or SSN. Yet, the same set of companies reported a collections amount for the second time. I'm not sure if the company has an error in the SSN of another client or if they are fraudulently billing " customers '' that have never been to them or used their services.
I received three letters dated XX/XX/18, one for each of my accounts with MUFG Union Bank, Business Checking, and Personal Checking and Savings, indicating that they would be unilaterally closing my accounts on XX/XX/2018. The letters indicate that they must ensure that they are in Federal compliance with the USA Patriot Act and the Bank Secrecy Act, and that after reviewing my transactions, they have decided to close my accounts. I operate a legitimate business and have not made any business or personal transactions that would have triggered this action. I contacted their BSA compliance department, which subsequently returned my call indicating that they could not elaborate as to exactly why they closed my accounts and told me that there is no avenue to appeal their decisions. The BSA compliance department referred me to the office of the President. After several days I received a call from the Office of the President and they would not provide me any specific information as to why they closed my account, simply stating that the account agreement allows them to close the account at any time. By not providing me a basis for their closing of the accounts, I view this as either a false accusation of criminal activity or as simple and blatant discrimination against myself or the nature of my business.
I was on medical leave from my employer and my health savings account card was turn off and closed, I was unable to pay the dentist and surgeon with the appropriate funds.
On XX/XX/2018 I received a call from Midland Credit ManagemenXXXX ( MCM ) the man would not identify himself and was calling my cell phone and asked for a friend of mine who does not live with me. I told him that this was not the person who he was trying to locate and he called me a liar. He was very angry and told me I owed him lots of money and if I didn't agree to pay him he was going to come to my house and kick my XXXX and burn down my house. I became very scared, I called my friend whom the caller was trying to reach to let him know of the situation. He notified the police in the town he lives in just in case there was an issue. I also called the police dept in the area in XXXX XXXX that the business is located. They said they couldn't do anything. 
I have no affiliation with Midland Credit Management. All my debt is current and nothing is in collection status. 
I called MCM and reported the call but I'm pretty sure that they will do nothing to stop this practice. These people didn't speak very good English. I was given this address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX