WillisBack/dataset-financial-user-claim huggingface dataset:
my name is XXXX XXXX XXXX  residing in XXXX Ga. on the XXXX/XXXX/XXXX i sent money to my wife in XXXX, specifically to cross river state, XXXX. the amount was {$800.00}. through MONEYGRAM WITH THEIR AGENT, THE XXXX STORE AT XXXX XXXX XXXX XXXX, GA XXXX. THIS TRANSACTION HAS BEEN DONE ON A REGULAR BASIS, MONTHLY, AND THE MONEY WAS ALWAYS PAID AT XXXX XXXX  XXXX XXXX IN THE CITY OF XXXX. ON THIS PARTICULAR TRANSACTION, THE MONEY WAS NOT PAID TO MY WIFE WHEN SHE WAS IN THE BANK ON XXXX/XXXX/XXXX BECAUSE THIS TRANSACTION DID NOT EXIST AT ALL. THE CASHIER AT THE XXXX XXXX XXXX XXXXXXXX CALLED MONEYGRAM AND LEFT AN ERROR CODE WITH THEM. I THEN RUSHED ON THIS SAME DAY ( XXXX/XXXX/XXXX ) TO XXXX TO REPORT THE PROBLEM. I WAS TOLD THAT AN INVESTIGATION WAS STARTED THAT WOULD TAKE 90 DAYS TO RESOLVE. OVER THE COURSE OF THIS PERIOD I HAVE CALLED MONEYGRAM UP TO 40 TIMES FOR A RESOLVE WHICH THEY ALWAYS TOLD ME THAT THE CASE HAS BEEN RESOLVED BECAUSE MY WIFE HAD COLLECTED THE MONEY. I INSISTED THAT IT IS MY RIGHT TO KNOW THE LOCATION WHERE THE MONEY WAS PAID, WHAT BANK AND THE NAME OF THE CASHIER WHO PAID THE MONEY AND TO WHOM. JUST ABOUT LAST WEEK THEY NOW TOLD ME ON THE PHONE THAT THE MONEY WAS PAID TO MY WIFE 300 MILES AWAY FROM THE USUAL CITY, AND PAID FROM A BANK THAT MY WIFE THOSE NO HAVE AN ACCOUNT IN, AND THEY REFUSED TO GIVE THE NAME OF THE CASHIER THAT PAID THE MONEY OR TO SEND ME THE INFORMATION IN ITS ENTIRETY. THE MONEY THEY SAID WAS PAID FROM XXXX XXXX IN XXXX XXXX, IN THE CITY OF XXXX, THE ADDRESS BEING XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX. MY WIFE IS 300 MILES AWAY. SHE IS IN XXXX XXXX. HER BANK IS XXXX XXXX XXXX XXXX AND THIS IS WHERE SHE USUALLY RECEIVES THIS MONEY ON A MONTHLY BASIS. I THEN PROVIDED MY WIFE WITH THE INFORMATION MONEYGRAM GAVE ME AND SHE CONFRONTED AN XXXX XXXX IN XXXX WHERE THEY TOLD HER TO GET THE NAME OF THE CASHIER WHO PAID THE MONEY AND THAT OF THE RECEIVER. THIS IS THE CRUX OF THE MATTER. MONEYGRAM HAS REFUSED TO GIVE ME THIS INFORMATION AND ALL THEY TELL ME IS THAT THE CASE HAS BEEN CLOSED. THEY LAUGH AT ME ON THE PHONE AND END CONVERSATIONS ABRUPTLY.PLEASE I NEED HELP TO RESOLVE THIS MATTER BECAUSE MY WIFE AND OUR XXXX CHILDREN ARE SUFFERING. MY PHONE # IS XXXX
XXXX  has been non-compliant with removing the unverified account DIVERSIFIED ADJUSTMENTS which has been deleted by XXXX  and XXXX. XXXX   and XXXX have both completed their research and determined that DIVERSIFIED ADJUSTMENTS was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
XXXX XXXX XXXX XXXX account was closed in XXXX of 2016. XXXX XXXX XXXX claimed that I owed {$170.00} for equipment that was not returned. I still had the equipment in question but XXXX XXXX XXXX sent the return box to my old address. I finally resolved this after many hours of wasted time and they sent the return box to my correct new address, after which I returned the equipment the next day. I kept the USPS tracking documents to prove that it was returned. XXXX XXXX XXXX finally admitted their mistake and removed the balance of my account. The XXXX XXXX XXXX representative reversed the amount and my account statement from XXXX XXXX XXXX shows that I owe them {$0.00}. A credit reporting agency called Diversified Consultants Inc. has been sending me multiple collection letters and harassing me with multiple phone calls during the day and night in an attempt to collect the debt in question that was cleared by XXXX XXXX XXXX. I sent a debt verification letter to Diversified Consultants to let them know I was disputing their claim that the debt was stilled owed. They sent me the attached file with the claim that I still owed this debt, even though the attachment that they included shows an amount owed = {$0.00}. This company is incompetent or dishonest since by their own proof, they are trying to collect an amount that I do not owe.
I am in the process of trying to refinance my two Mortgage Loans that are presently with XXXX XXXX XXXX ; a first mortgage and a HELOC. 

Unfortunately, the 3 Credit Reporting Agencies will only show information provided by XXXX that shows both mortgage accounts are Closed, there is {$0.00} balance and there has been No Payment since XX/XX/XXXX/XX/XX/XXXX. 

This is playing havoc with my FICO scores and credit history. It is making it extremely difficult to obtain a new Mortgage when the current Mortgage Loans are not being accurately reported. Moreover, any potential new lender doesn't even know what the current payoff amount would be. Should it be {$0.00}, since that is what XXXX is reporting? 

I have a First Mortgage with a balance of {$260000.00} that started XX/XX/XXXX, and a Home Equity Line of Credit with a balance of {$150000.00} that started XX/XX/XXXX with XXXX XXXX XXXX XXXX   for a total mortgage debt of {$410000.00}. As noted herein, both accounts were open in XX/XX/XXXX, but not at the same time - and both should reflect a perfect payment record with the 3 Credit Reporting Bureaus. But they do not! 

I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX and all debt was discharged and closed in XX/XX/XXXX, including the two XXXX XXXX  mortgages. XXXX XXXX the current lien holder for both mortgages, will not report any financial information to the 3 Credit Reporting Agencies, because a Letter of Affirmation was never executed within the first 60 days after the initial 341 meeting with the Federal Bankruptcy Court ( Federal Rule Bankruptcy Procedure 4008-A ). 

I spoke with several people at XXXX XXXX, the latter part of XX/XX/XXXX and they could not or would not help. That is their policy and at present there is nothing I can do to have them reconsider their position. The 3 Credit Reporting Agencies will only show information provided by XXXX that indicates both mortgage accounts are Closed, there is {$0.00} balance and there has been No Payment since XX/XX/XXXX/XX/XX/XXXX. 

The information reported is totally inaccurate and does not reflect that I have been making on-time payments for the last 13-14 years, since the loans were originated. I have filed disputes with all 3 Credit Reporting Agencies - that were fruitless. So now I am turning to you. 

However, attached, you will find 2 documents provided to me by XXXX that contradicts what they report and does show my excellent payment history for both accounts. I also included the latest monthly Statements provided to me by XXXX.
I would like to file a formal complaint with Carrington Mortgage Services, as well as XXXX.I have escrow issues with regards to : Forced Hazard Insurance placed on my account/home.

1st complaint : My payment increased substantially from XXXX to XXXX that 's a $ 230 monthly increase ( {$2700.00} annually ). 

2nd complaint : The payment hike is only 1 issue, when I called the insurance company they have no idea of who I am, and the policy number I give them is not with them. 

Carrington tells me I was insured by them ( XXXX ) XXXX and will be covered by them XXXX.. 

Furthermore, after hurricane IRMA I called XXXX to file an insurance claim, an adjuster came by the house - and of course claim denied. But if the adjuster came  out would n't that mean the policy is valid??
This mortgage broker sends unwanted marketing SPAM emails every day : Level 4 Funding LLC XXXX XXXX XXXX, Licensed Mortgage Broker License No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX. 

I have repeatedly requested to be removed from their spam generating system, but they refuse to remove my email address. Can you please help? 

A complaint ( # XXXX ) was submitted on XXXX/XXXX/XXXX, and the broker responded saying, " We have searched all of our databases and contacted all XXXX XXXX XXXX XXXX to double check and make sure XXXXXXXXXXXX is unsubscribed on all current lists. This email address XXXXXXXXXXXX should no longer receive any correspondence from our existing lists and current XXXX XXXX XXXX XXXX. Sincerely XXXX XXXX XXXX XXXX, Broker/RI Level 4 Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ''. 

However, I am still receiving unwanted spam eamils from his company : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX I have records XXXX XXXX XXXX me repeatedly ( several XXXX XXXX day on occasion ) since last year. This didnt just start recently, as he would have you believe. For example, here are XXXX email addresses that were sent to our IT company on XXXX XXXX, XXXX to try to block them as spam on the server : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX I have received numerous unwanted emails XXXX this guy. He continually changes his sending email addresses, so that his junk can not be filtered or stopped. XXXX a sampling of the different email addresses XXXX used to send the unwanted emails : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX Level 4 Funding LLC XXXXXXXXXXXX Level 4 Funding LLC XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX Please re-open this complaint. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX - office XXXXXXXXXXXX
I transferred my Internet, TV and phone from XXXX to XXXX at the end my XXXX billing period on XX/XX/XXXX. XXXX was installed and working on XX/XX/XXXX. All XXXX equipment was returned to their local store and I have receipts for everything. Now XXXX has deliberately and falsely billed me {$780.00} for XXXX unreturned set top boxes, taxes and for a period after disconnection and XXXX installed and turned collection over to XXXX firms in XXXX different states. This is common billing practice for a firm well known for outrageous customer service that keeps billing and collection actions separate from other services. I 've experienced similar treatment before with XXXX Phone service. But as customers have only XXXX choices. They can get away with it.
I have contacted Experian several times about this Child Support Account, the information is incorrect, Experian 's response is " This item was updated from our processing of your dispute in XX/XX/XXXX '' however it's gotten worse!

Now no payments are showing, and it shows " Failed to Pay '' in XX/XX/XXXX only. 

This information is 100 % INCORRECT
I am having some issues with my credit report with Items on it the are not mine. Its possibly fraud. I would like to have a copy of my credit report. I am disputing the follow account they are not mines : XXXX XXXX BAL : {$1100.00} XXXX XXXX 30 DAYS LATE. 
I HAVE NEVER OPEN ANY ACCOUNTS WITH XXXX XXXX XXXX FOR ANY BUSINESS PLEASE DELETE OR BLOCK THIS ACCOUNT.605B.Block of  information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 605A.Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ]
I assumed the mortgage from XXXX XXXX XXXX. I have made the payments of {$570.00} there after the assumption of mortgage. I realize the the interest rate is 10 %. The Mortgage was thru XXXX XXXX XXXX XXXX then thru Citi financial and then transfered to XXXX XXXX XXXX. I have some documents dating back to where the payments were going straight to interest and payments going straight to principle. The mortgage was for payments of {$570.00}, and would have expired on XX/XX/XXXX, from XXXX XXXX XXXX XXXX. Citi Financial has taken some action to resolve the interest rate problem from XX/XX/XXXX until XX/XX/XXXX and transferred the correction to XXXX XXXX with interest 10 % and a balance of {$3400.00} due at the time of transfer. Which XXXX XXXX has not done so correctly.
On XX/XX/2016 I sent my mortgage payment in for XX/XX/2016, on XX/XX/2016 Ocwen received my monthly mortgage payment for XX/XX/2016. On XX/XX/2016 the check cleared my bank account. My monthly payment breaks down as : Check # XXXX ... ... total amount due for mortgage payment is {$1200.00} ... ... total amount I sent to Ocwen for XX/XX/2106 payment {$3000.00} ... ... I specified clearly on the check and on the monthly payment coupon for XX/XX/2016 sent to me by Ocwen, that I would like {$1800.00} to be applied to the PRINCIPAL payment of the loan and the rest {$1200.00} is for the XX/XX/2016 monthly payment. [ now out of the {$1200.00} there is a portion of that, that goes to the principal ] On XXXX I logged into my account on line and noticed that Ocwen failed to properly distribute my funds correctly. As you can clearly see, Ocwen applied all of my funds to the principal and nothing to the monthly payment. Since they have done this my account now shows that I still owe for XX/XX/2016, and in reality my account should next be due in XX/XX/2016. Yes, I am one month paid up on my mortgage payments.
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED USBK COURT XXXX CALIFORNIA Docket # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date Filed : XX/XX/XXXX Date Paid : XX/XX/XXXX Date Updated : XX/XX/XXXX Type : CHAPTER XXXX BANKRUPTCY DISCHARGED Responsibility : Individual Debt Court Type : Federal District Plaintiff Attorney : PRO SE Estimated month and year that this item will be removed : XX/XX/XXXX USBK COURT XXXX CALIFORNIA Docket # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE I HAVE NEVER FILED FOR BANKRUPTCY PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX COUNTY # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE PLEASE REMOVE IT OFF MY CREDIT REPORT
XXXX  insurance sent me two XXXX devices that I never used or wanted. I was then billed for the devices, and later sent to collections for them. I have paid for the devices, and returned the devices which I never even wanted in the first place and I still have negative information on my credit report because of it. At this point XXXX owes me money as I have returned the devices but also paid for them, but worst of all my credit score is damaged. on XX/XX/2018 I paid {$110.00} confirmation # XXXX. Also on XX/XX/XXXX I received an email saying Thanks for returning the XXXX devices.
Received an alert from XXXX that a new account was placed for collection by a company by the name of XXXX XXXX XXXX on XX/XX/17. I do not have a contract or have done business with this company. This new listed collection account has dropped my credit score by several points.
On  XXXX   XXXX   2017 t here 's a transaction for  XXXX  that was disputed on  XXXX   XXXX   2017 f or the same amount. I 've submitted vet statements, shipping confirmations, bank statements and paypal refuses to help settle the issue as promised in their buyer protection. It 's become apparent that my continued business with paypal is n't appreciated and that their working in the best interest of a verifiable liar and sca m artist. I 've jump ed through all the hurtles and hoops and they take this ladies word with out and verifiable information, matter of fact she has n't provided any proof of anything yet palpal will not uphold their promise of buyer protection. To make things worse paypal has hung up on me 6 times.
credit reporting said they verified some accounts that are not mine, and i requested information of the process used to verify the accounts and they Equifax refused, even after i sent a certified letter they still refused to send information, Istated that i had a right under the FCRA to receive copies in XXXX days after they receive my request and they still refused.
I have been due {$400.00} due to an overpayment on my PayPal Credit account since XX/XX/2018. On XX/XX/2018 According to my account statement, PayPal Credit withdrew the credit balance of {$400.00} from my account and has yet to refund the money as of this date. After 2 emails and 4 telephone calls to PayPal Credit customer service, I have been told that they are experiencing problems with refunding funds to several customers including me but they are working on the problem. As of this date, I have not received my funds totaling {$400.00} USD. 

Making a refund should not take this amount of extensive time.
This debt was cleared in chapter XXXX - they have been told repeatedly since they started calling me after I completed chapter XXXX in XX/XX/XXXX/XX/XX/XXXX that it was included and it was illegal for them to try and collect. They have harassed me on and off since and would stop when I threatened legal action last year. Now they have reported to my credit report
A false debt collection was reported to the credit bureaus of a debt ( {$1600.00} ) that I have never owed, and am unaware of! It states this debt was opened in XX/XX/XXXX, and closed in XX/XX/XXXX. This is completely false and fraudulent! 


Creditor Information ASSET RECOVERY PLUS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX It states the original creditor was XXXX XXXX XXXX. I am furious.
I brought appliances from XXXX XXXX XXXX XXXX ... .and opened up a store credit card from them. They approved me and said I would get a card and Bill in the Mail. I never received the credit card but I received the bill around a week ago so I wrote a Check for {$350.00} and mailed it Certified. ( I want to pay the total bill off ASAP. ) So today I get a call from the bank that issued the card and they said I owed a payment. They had not received a payment. I told them they received the payment I had tracking and I asked to speak to their supervisor.I know they received the payment on XXXX/XXXX/16 because I was able to pull the Certified ( tracking ) information up from the Postal Website. I was not given a supervisor because these customer service agency was in XXXX.Annoyed now I told them I would file a complaint and I wanted my payment to be posted to by Bill ASAP. 
the Certified Mail # XXXX was received XXXX/XXXX/16 with a check for {$350.00}
While I have not been personally affected by this issue, it was discovered that when you pay off a student loan with Great Lakes, they calculate 10 days of interest. If they receive your check prior to that 10 days, they do not refund the money unless it is greater than {$5.00}. This fact was directly stated to me by Customer service. Of course this is a relatively tiny amount of money, but multiplied by possibly XXXX of transactions, I believe they could be receiving a large amount of on unearned money
XXXX 2015 I redeemed points for roughly a {$250.00} gift card via Barclay Williams Sonoma Card website. The gift card was shipped XXXX and delivery of the gift card failed to occur. XXXX declined to deliver the gift card stating that my valid Missouri Drivers license was not an acceptable form of photo ID, and that this was the policy of the shipping party, Barclay Cards or XXXX their affiliates. 
I contacted Barclay Cards about 3 times via phone regarding this issue. After being presented with standard customer service speak, I was advised on my third phone call that Barclay Cards did indeed have my returned gift card XXXX, the agent had a tracking number XXXX and was able to track the return. The agent also advised me the gift card would be returned XXXX, the Barclay Card gift card affiliate, and I would be credited my full XXXX points back, the total of the gift card. 
This has not yet happened and has been ongoing since XX/XX/XXXX 2015.
XXXX XXXX XXXX {$1700.00}, {$39.00}, {$3000.00} & {$34.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) insurance provider confirmed that accounts were paid in full ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted  from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..