WillisBack/dataset-financial-user-claim huggingface dataset:
I closed an account with  XXXX  in  XXXX   XXXX  due to moving out of their service area. The final bill was paid and  XXXX  confirmed at the time of closing that no amount was owed.     I received a notice dated  XXXX   XXXX ,  XXXX   (  14 months after the account was closed ) of an attempt to collect a debt by  " Cre  dit Protection Association  XXXX LP '' (  CPA ) at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , Texas,  XXXX . They claimed  XXXX  had turned over the amount of {$210.00} for debt collection. This is the exact amount of the final bill which was confirmed paid when I closed the account.     I called  XXXX  and they said if a debt was owed, I had to deal directly with the collection agency. When I said I had proof that the final balance had been paid, they said it must have been paid after the account was closed and already turned over to a collection agency. I asked for some kind of proof that it had been turned over, and the  XXXX  agent said she would n't have that in her file ; I had to talk to the collection agency.     I called CPA and they said to clear the debt I had to submit a copy of my bank statement showing the debt was paid. When I said my proof of payment was to  XXXX , they said I needed to talk to  XXXX  directly and should ask for a supervisor. I did not submit any bank statement to CPA as I was beginning to suspect this was a scam.     I called  XXXX  again and asked for a supervisor. They said : 1 ) they do not work with CPA ; it is not an agency they use for debt collectio n 2 )  no debt was owed when I closed the account and they never turned any amount over to a collection agency  3 ) t hey were flagging my account for possible fraud and notifying their own fraud protection unit that I had been targeted  4 )  they recommended I submit this complaint I have now received a second debt collection notice from CPA and believe I am being targeted for a scam or have been a victim of identity theft. Aside from the lack of an actual debt and the fact that  XXXX  does n't use  CPA, there are typographical errors on the collection notices and the envelope has a generic file number,  all of which point toward a non-reputable practice.
i explicitly told Stellar Recovery not to contact me by phone as my collection is part of a Debt Management program and being paid monthly to them. they continued to repeatedly kept calling me daily and multiple times a day.
I have an unknown derogatory mark on my cerdit report .... I am unaware of this debit .... I have not done business with this company .... I have not received any letters .... this company has shown has a collector for XX/XX/XXXX .... I have not been notified! I have not done business with this company
On XX/XX/2018 I pulled a hard copy of my credit report and noticed a negative collection account. That was my first time every seeing anything from that company. 

On XX/XX/2018 I sent out a certified letter ( that the company signed and returned ) asking them to validate the debt. 

Its been over 30 days and I have yet to receive any response.
I paid my XXXX bill {$780.00} on XXXX, 2017.
I got a tax form mailed to my address with out filing with XXXX XXXX and im wondering if some one took a card out in my name please contact me at XXXX
XXXX in XXXX CA closed down along with all of their campuses while I was enrolled and now they are asking me to pay back the loans. The amount due is {$5400.00} which I have been going back and fourth with the XXXX XXXX XXXX XXXX to see If I could either get it forgiven seeing as I was not able to finish the program or if I could set up a payment arrangement. I sent in my last correspondence and now they are sending my account to a collections agency and they have sent me a notice that they are going to garnish my paycheck by 15 %
I applied for a mortgage modification with my lenders XX/XX/XXXX, XX/XX/XXXX and was denied because they said in XX/XX/XXXX I did n't get all documents in which is incorrect then XX/XX/XXXX they said they denied me for Tier 1 and tier 2 because of my income I thought when modifying your loan it brings the interest rate down to 31 % of your income. Well now they said I was denied because my investor has decided to drop my taxes and insurance because of the value of my property and its not in their best interest to modify and they will not add escrow. Well when I purchase this home I had taxes and insurance on my mortgage is it legal for them to just take taxes and insurance off my mortgage if they want to? I am now {$28000.00} in arrearages with my mortgage my house is only appraising at {$35000.00} and I owe then {$61000.00}. What are my options to save my home.
XX/XX/2018 I contacted Experian via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. 

The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.
The loan application started and I received my 1st loan closing fee XXXX/XXXX/16 {$4500.00} 2nd loan closing fees XXXX/XXXX/16 {$3600.00} 3rd loan closing fees XXXX/XXXX/16 {$4100.00} 4th loan closing fees XXXX/XXXX/16 less then 24 hrs for the last {$5300.00} It has been 93 days and the loan is still not closed, now we have a closing set before the of the year and the fees keep going up and up They stated that ant fees would be around {$300.00} now {$800.00} The answer was they were, backed up, they were not backed up when XXXX to pay upfront fees of {$450.00}. 
I gave them everything they wanted since day XXXX and it took over 100 days to process and fees keep going up and up
Planned to pay off mortgage in full. On XXXX XXXX, 2017, the outstanding principal balance was {$42000.00}. Arranged online bank-to-bank payment of {$42000.00} on XXXX XXXX, 2017. Wells Fargo did NOT apply these funds like usual, but listed this huge payment as " pending ''. I knew a few days of interest and a lien removal recording fee of {$12.00} would need to be paid by additional funds to complete the pay-off process. ( The system Wells Fargo uses would not let me pay these extra costs/fees/funds through online banking. ) That is why I called the Wells Fargo mortgage office by telephone XXXX XXXX, 2017. The employee who helped me said the easiest way to complete the pay-off was to go to a physical branch. So late in the afternoon on XXXX XXXX, 2017, I went to the physical branch in XXXX, WY, and the branch manager - first name - XXXX helped me calculate the extra funds needed to pay off the loan by calling the pay-off portion of the mortgage office. That office emailed him an up-to-date pay off notice which he printed at his desk, and then cut me a cashiers check for {$100.00} to settle the issue. He stuffed the final payment due in either a XXXX or XXXX next day delivery envelope that would go out on Monday, XX/XX/XXXX, with delivery guaranteed Tuesday XXXX XXXX, 2017. The problem is that the interest and lien removal should have totaled only {$85.00} ( which is what posted to my online account ) while Wells Fargo received a cashiers check for {$100.00} on XX/XX/XXXX. Meanwhile I was sent two more letters by US mail from Wells Fargo asking me to pay two more additional amounts, neither which agreed on the amount due. However, {$100.00} payment minus the {$85.00} credited to my account means I actually overpaid by {$16.00}. I called the pay-off office to explain the wrong info and asked to be refunded the {$16.00}. The female who " researched '' the issue said I was not due a refund. Next I asked to speak to the CEO of Wells Fargo. Instead I was patched through to a XXXX XXXX in the administrative division whose title is " Executive Resolution Specialist ''. He took my complaint and said someone from his office would respond within 48 hours. I told him I was not treated right by other employees who proved unwilling to listen or be helpful and did not know if he would be an improvement. I asked for information about who to contact at the federal government level ( which he did not provide ) and told him my wife and I would be closing out our last remaining business tie with Wells Fargo by closing out our checking account. Then I began this complaint with the CFPB. Seems like an awful lot of XXXX banking experience for a simple request to be refunded a {$16.00} overpayment! A sum which I was not promised would be refunded to me.
On XXXX XXXX, XXXX, there was an inquiry request made by XXXX XXXX and was sent to the companies listed below. I contacted XXXX XXXX about the unauthorized inquiry and that it had to be removed because I did not authorize them. XXXX XXXX typed a letter stating that the inquiries were made in error and I did not fill out an application. Each letter was sent to the companies with my request to remove them and my request was not granted. Attached is a copy of the letter from XXXX XXXX. 

The following companies pulled my credit from XXXX : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquires were pulled from my XXXX : XXXX XXXX XXXX XXXX The following inquiries were pulled from my XXXX Credit Report XXXX XXXX XXXX  XXXX XXXX
I had a tablet that used data from XXXX back before my bankruptcy. It was a on-demand thing, so when I did n't use it there were n't any charges on my bill. I removed the SIM card from the tablet in the months before I declared bankruptcy while I was selling my possessions to pay my debts. 

Mind you, this thing was n't plugged in and I did n't have a contract. Somehow, XXXX started positive balance ( a credit on their books ) to a negative. My bankruptcy went through and I thought the matter was done with. Now, I 'm getting calls from XXXX, CA. A company called Diversified Consultants is attempting to collect on this debt, which is a piece of XXXX to begin with, but should have been discharged completely by my bankruptcy.
After submitting documentation to change from XXXX to REPAYE XXXX to Nelnet, I was entered into a forbearance that I did n't want for XXXX months. I noticed that my application was not being processed ; when I called, I was told that I needed to enter into the forbearance and make a payment of only {$5.00} for that month. Weeks later, I still was n't entered into REPAYE ; when I called again, I was told that I had been entered into the " wrong kind '' of forbearance and needed to wait another month. No payment was charged at all for a third month.So, my overall repayment period has extended 3 months. Because of my payment plan, and the likelihood of claiming XXXX, I will end up making XXXX much larger payments years from now instead of XXXX smaller payments in XX/XX/XXXX-XX/XX/2016. I would much prefer to make retroactive payments and pay my loans off earlier. 

Unrelated to that issue, I submitted documentation of my public service for future PSLF. My Nelnet loans were paid off by XXXX on or about XXXX XX/XX/XXXX. But, Nelnet charged an auto-debit payment on XX/XX/XXXX, and does not appear to have credited my account with that payment.
I have sent several certified mailings concerning accounts, wrong address, inquirie removals and the customer service has been horrible. Nothing has been done and I haven't had anything " verified ''. 
My accounts in collections are not the original creditor. Contract was cancelled and I have no further obligation. There is no contract for any of my collections. I have tried everything and keep getting the run around.
I contacted Equifax regarding a collections account that has yet to be removed from my credit file. Equifax informed me that they would do an investigation and I submitted documents supporting my stance on the matter. Equifax failed to notify me the status of said investigation, in addition they did not remove the negative information provided by the company reporting to them. The company name is XXXX XXXX XXXX and they have failed to provide proof with my signature on any consumer contracts yet they continue to report negative information on my behalf.
I purchased a certified used car w/ Ally Bank being the lean holder. The car I purchased had several issue I only took the car to the dealership to get serviced never did they inform me of any issues, but the check engine light kept coming on. The gas and or the fuel pump was fixed XXXX by the dealership within a months time. After two weeks the engine failed. They saying to repair it cost XXXX XXXX dollars which I do n't have and now I 'm stuck with a XXXX XXXX dollar loan for a car that is worth XXXX and is also not operable.
Old information apperead XX/XX/2018. For 2 years I was paying a debt, and I did not fail and the Bank did NOT report. The debt was settled and they reported it in XXXX but paying in delinquency. The bank did not report for 2 years and requested that it be removed from my Experian credit report.
Midwest Recovery has placed a collection on my credit report but I know nothing about the debt nor have they contacted me with a debt validation letter.
I received a letter from CitiBank XXXX XXXX XXXX rewards card stating that they were decreasing my credit limit from {$25000.00} to {$11000.00}. When calling to ask why, they basically said because they can. I schedule automatic payments through my bank, so they wo n't be late and stay consistent - often paying more than the minimum payment. I discovered when speaking with them, that I made a larger purchase and my scheduled payment of {$230.00} was not enough to cover my {$230.00} minimum payment - resulting in a late fee. I spoke to a supervisor and upon doing a review of my payment history, she realized that I had not had a late payment in 25 years ( surprised me too ). She reluctantly reversed the fee. I then tried to reinstate my credit limit as it significantly reduced my credit score. They asked for an update income as it had not been updated for 25 years and at that time I was a college student making nothing. I updated income to {$180000.00} and customer service representative verbally approved my reinstatement of credit limit, but told me it would need to go to the next level for final approval. I was told I would be notified via email, but instead I received a letter denying my request. The scary thing is that I quickly realized that any and every credit card company could to this at their will for about any reason. This would totally demolish any credit score. On top of all that, when I received my next statement, all reward points were gone - like I was n't even enrolled in the program. It 's obvious that the thousands of dollars they 've made from my interest was enough and did n't want my business anymore.
Dear XXXX, XXXX XXXX XXXX recently declined from over XXXX to less than XXXX because a credit card company ( BBVA Compass ) has been posting a delinquent account on my credit report. I have not received any written notification of the debt or my right to be able to dispute this debt. I have not received a single phone call or letter from this company. I called them multiple times in the month of XXXX to try and settle this alleged debt by paying off the amount they were requesting if they would remove their negative account from my credit report. 

They have still not sent me a written notification of the debt despite my email and phone calls on XXXX XXXX, XXXX in which I gave them my most recent address. 
The person I spoke with was collection agent XXXX XXXX ( XXXXXXXXXXXX, XXXXXXXXXXXX, phone number XXXX XXXX. I have called this number back several times over the last few days in an attempt to settle this alleged debt and have the negative information removed from my credit report. However, after being on hold for over an hour, I have not been able to speak with anyone. 

I am a physician with a very busy schedule and a high patient volume. I really can not afford to spend so much time trying to settle a debt for which I have received no notification to date. I believe that in order to protect my rights as a consumer, an intervention from the CFPB is urgently needed. 

Thank you, XXXX, XXXX XXXX XXXX off on writing full name as per guidelines above )
On XXXX I borrowed XXXX The loan carries an interest rate of 139 % and an APR of 139 % even though the loan is XXXX it is XXXX credit cost but if it 's paid monthly throughout contract, payout will be XXXX. I have borrowed from this company on 2 other occasions fortunately paid it of within a few months. My husband lose his job at the failed XXXX XXXXXXXX in SC along with XXXX other employees.I am wondering how companies are allowed to charge such outrageous interest rate There other pay day loans I am dealing with and have dealt with such as 1- The XXXX XXXXXXXX 2- XXXX XXXX 3-XXXX, They all are outrageousluck over rated. 
Thank You XXXX XXXX I
Several months ago, I was contacted by XXXX XXXX XXXX in XXXX XXXX CA about a debt they said I owed to XXXX. I filed a complaint with the FTC and thought this nonsense was over. The debt collector stated that the address for the debtor was for a XXXX XXXX in Texas. I have never lived in Texas and never had a XXXX account. This morning the same person who harassed me before called my XXXX year old mother in Michigan looking for me. I do n't know how he obtained her phone number. My mother called me in a panic and told me about the call. I called the company and the person who answered was XXXX XXXX. 
He did not sound like a XXXX XXXX since he did not speak English very well. I had filed a complaint with you before so I would like this harassment to stop. I do not owe this money since I never lived in Texas and never had a XXXX account. This also happened to my sister a few years ago with a fake XXXX account. She had to give them a list of addresses she lived in but the harassment finally stopped. 
I also want to know how they even got my mother 's phone number since she lives in Michigan and I live in California. I do not even have the same last name is her since she remarried in 1990s. 

Thank you for your assistance.
When I opened the checking account, I was told that if I maintained a {$100.00} balance at then end of the month, I would not be charged fees. Apparently they now say this information was incorrect and they have been charging me fees. In addition, they have over 20 min wait times and have denied transactions with money in my account.
I have already filed a complaint with the CFPB against my mortgage loan servicer, Nationstar Mortgage, reference number : XXXX. However, my mortgage loan is actually owned by XXXX Bank, so I understand I must file this separate complaint against them. XXXX Bank had securitized my loan prior to and during the financial crisis. I have been attempting since XXXX to get a loan modification and principal reduction from XXXX Bank through my loan servicers, first XXXX XXXX XXXX, and now Nationstar, but XXXX Bank has always refused, stating that they do n't give loan modifications or principal reductions at all. Prior to Nationstar, my loan was serviced by XXXX XXXX XXXX, which churned my requests for loan modifications for a period of 3 years. When I brought in the California XXXX during the financial crisis to deal with XXXX, XXXX XXXX XXXX gave me a " loan modification '' that had much higher payments than my previous ones, and then promptly sold my mortgage to Nationstar within days, with an additional {$120000.00} in fees tacked onto my mortgage, making my mortgage greatly underwater and making it so I have struggled terribly financially since then to keep my home, having to work up to XXXX jobs at a time, file bankruptcy, and lose all my retirement. I continue to struggle greatly to keep my home that is still underwater because of this financial abuse by these mortgage bankers, in particular XXXX Bank, which has always refused to modify my heavily securitized mortgage. XXXX Bank just settled with the U.S. Department of Justice for their criminal mortgage practices XXXX XXXX and are supposed to provide relief to consumers in the form of loan modifications and principal reductions. My home is in the foreclosure process, due to be sold XXXX XXXX, XXXX, and I am filing for a loan modification this week, and I want to be certain that XXXX Bank is required under the new mortgage settlement to apply a loan modification and principal reduction to my mortgage as soon as possible to rectify their abuses against my mortgage loan and myself from their criminal mortgage practices.
I disputed information, no valid debt confirmation was recieved within the period allowed by law. the information is still reported on my Credit and has not been removed
IN XXXX 2017 I FILED A DISPUTE WITH THE 3 CREDIT REPORTING AGENCIES REGARDING AN ERROR ON A XXXX XXXX XXXX PAYMENT STATUS. I RECEIVED A NOTIFICATION YESTERDAY FROM XXXX THAT AS A RESULT OF MY DISPUTE THE ENTIRE ACCOUNT HAS BEEN REMOVED FROM MY CREDIT FILE. THE ACCOUNT IS OPEN, IN GOOD STANDING AND HAS A BALANCE OF OVER $ 30K. I DONT KNOW HOW MY DISPUTING A LATE PAYMENT STATUS WOULD RESULT IN THIS ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. EACH TIME I TRY TO DISPUTE THIS ITEM, IT HAS IMPACTED MY CREDIT SCORE NEGATIVELY. THE PREVIOUS DISPUTE DROPPED MY CREDIT SCORE BY 48 POINTS, AS THE ONLY CHANGES AT THAT TIME WERE THAT I PAID ANOTHER ACCT IN FULL AND MY CREDIT LIMIT WAS RAISED BY ANOTHER CREDITOR.
Forced Escrow was placed on my account, on XX/XX/XXXX due to delinquent property taxes not affiliated with my Property Parcel ID. I am requested to terminate all Escrow accounts since my yearly taxes of only XXXX, are paid out of pocket and on time for my XXXX XXXX property and the only property associated with the loan. Advanced funds were distributed to County Tax Office without authorization and taxes for other property owners were disbursed to pay all XXXX properties, which of XXXX are not listed on loan since the properties were divided in XX/XX/XXXX. I have repeatedly faxed all county documentation Ditech requested, emailed, called and spoken to different depts., notices mail to be stating the issue is being investigated within 30 days and nothing done, now my escrow account is over {$6000.00}, causing my monthly mortgage payment to be outrages and I demanded they correct this asap nothing to pay for XXXX other properties that do not belong to me.
On XX/XX/XXXX, we deposited a check, written on Bank of America, from our insurer, for hurricane Irma damage. We were told, since this was a Bank of America check, that it would clear in 24 hours. So, we opened an account with Bank of America and deposited the check. We looked online and found a notice that it was being frozen for 48 hours, until XXXX XXXX XX/XX/XXXX. We called their toll-free number on the XX/XX/XXXX and were assured it would clear on theXX/XX/XXXX. On XX/XX/XXXX, we went to the bank since we needed the funds ASAP to prevent further damage. They said they couldn't release the funds. Then, we looked online and it said we would not receive the funds until XX/XX/XXXX at XXXX XXXX. This is endangering our property by withholding these funds. The message online said we should call the company who gave us the check. We called XXXX XXXX who said it showed as clearing their account on XX/XX/XXXX. We went back to the bank on XX/XX/XXXX and they said the funds were not available but they would absolutely be available at XXXX XXXX on the XX/XX/XXXX. It is now the XX/XX/XXXX at XXXX XXXX Eastern and the funds are not available. The person at the bank said they may be available tomorrow but they were holding them for fraud concerns. We are approaching hurricane season again and our roof could not withstand another storm.