WillisBack/dataset-financial-user-claim huggingface dataset:
My spouse applied for a credit card w ith Citibank.  She received the account, and used it twice. Days later the account was closed. We received a letter asking that she complete Form  XXXX , attach a copy of the front and back of her social security card and a copy of the letter they sent. They did not explain why they were asking for a copy of the social security card. They stated that she is required to use their special form  XXXX . We instead print a copy of  XXXX   XXXX  from the  XXXX  website and attached it with the social security card and a copy of their letter. When speaking with the fraud department they would not give the full name of the individual I spoke with. Nor would they give me the phone number of full name of their managers. What I do not understand is why are they asking for the social security card? I have applied for many cards, and I was never asked for the card. My wife has a  XXXX  FICO score. The would not provide any detail as to why she is being required to supply her SSA card. Nor would they provide names and phone number to someone that can explain the reason she is being denied. Is she being denied because she is a female  XXXX ? I have never used this reasoning before, lack of providing a reasonable explanation is discriminatory. They change their story each time we spoke to someone on the phone, but what cause me to file this compliant. is they chose not to give an explanation, and then they say some nebulous person made the decision and we have no right to have it explained to us. We are going to send by FAX the exact document they asked for, but if they are doing this to my wife, how many more  XXXX  women are they treating in the same manner? One of their employees had the nerve to say that we asked to cancel the credit card application. I asked for a copy of the recording that will show that my wife or I stated such a thing.
I have disputed the information through XXXX XXXX in XXXX of XXXX is order for this information to be removed from my credit report. I have contacted a credit counseling agency and they will send letters to the credit bureaus to remove the information from my credit report. Basically someone has used my social security number to obtain student loans in my name. I was XXXX from XX/XX/XXXX through XX/XX/XXXX. I did not graduate from high school therefore I do not qualify for student loans and I have never attended a college or university.
Calvary Portfolio is threatening to sue me for an old debt they bought that is out of the statute of limitations for California. They have also failed t mail me a letter 5 days after calling.
The company I work for monitors and records calls. I had asked XXXX XXXX @ XXXX XXXX to not call me at work ever. He agreed and contacted me by cell phone and email for normal contact. 

Today on XX/XX/XXXX he again called my work and harassed me. He immediately ask for payment of debt. I told him I was at work and could not talk. I asked him, on the call, to contact me outside of work and to remove the work number from his contact sheet. 

He immediately said that my not wanting to talk to him at the moment constituted me no wanting to pay and that he would go ahead and count me as non-payment. 

I was then forced to try to plea with XXXX while on the recorded line and being monitored by my employers. He hung up on me and I had to contact them outside of work. 

XXXX XXXX tone and conversation caused me to reveal information I did not want reveal to my employer. My employers are upset that I had taken company time to address these issues. Had XXXX XXXX not revealed my debt on the call or agreed to handle this outside of work, it would not have been an issue for my employer.
Dear CFPB, I have an investment mortgage with Shellpoint Mortgage Servicing. This loan originated in XXXX. 
I inquired into having the XXXX removed approx. a year and a half ago and did not continue the process due to the value not meeting the 70 % XXXX requirement. 
As property values have been on the rise, I decided to try again and called Shellpoint in order to find out the process of having my primary mortgage insurance ( XXXX XXXX cancelled. 
I requested to be mailed a letter on XXXX XXXX, XXXX. They emailed me a letter that had been issued over a year prior XXXX XXXX XXXX XXXX and said to use it as a guide to have your XXXX canceled. 
I called them back and requested to be mailed an updated letter of XXXXI cancellation instruction reflecting my current mailing address and current payoff amount. 
I called on XXXX XXXX XXXX and requested a new letter again be mailed to me as I never did receive the first one. They said they would issue a letter and mail it to me. 
I called on XXXX XXXX inquiring as to where the letter was because I never did receive one. 
I was told that they can not mail me a letter because I am unable to cancel my mortgage insurance ; This is what the representative told me : Per XXXX this loan is for a single family detached investment ( it 's actually a townhouse, not detached ). 
The borrower ( myself ) is not able to request cancellation of XXXX it is not permitted. 
And that when the mortgage is " midway '', XXXX XXXX XXXX, only then will the mortgage insurance be cancelled. 
I asked if I can just pay down the mortgage to 70 % loan to value ( XXXX XXXX in order to have it removed and was told that is not possible. 

Would you please review this matter on my behalf and possibly on behalf of other homeowners as well? 

Much XXXX, XXXX XXXX
I have been locked out of my account with Coinbase with no access to funds within it. I logged a report with customer service on XX/XX/XXXX during which i was told purchase orders were suspended on my account. The reason was not provided and I was informed that the issue needed to be escalated. An estimate of 3-5 days was provided. 
A week later and no contact was received so i followed up and was given the same answer - the issue has not been reviewed yet and is sitting in queue. 
An inability to create a purchase order should not preclude me from viewing my current holdings. I am completely in the dark as to if my account balances have been tampered with. Coinbase has effectively frozen my assets with no warning. Please help
I applied to Big Picture loans for a loan in the amount of {$400.00} plus a {$100.00} finance fee. After I received my money and made my first payment ( which was the finance charge ) I called to check the status of my balance and I was told it was still {$500.00}. I just made another payment of {$100.00} and was told that was a finance charge payment. They told me there are actually XXXX installment payments and I should try and pay more or pay the entire amount. This has me in a loop of trying to pay something off that charges me more than what I borrowed
GC Services is a collections agency for XXXX. I Spoke with GC Services via phone attempting to resolve with negative results. They requested that I email all info which I have done several times. I have not received a response. They have negatively impacted my credit because of a mistake that XXXX admitted making. Now they are at fault because they refuse to investigate and communicate with me. XXXX Corporate investigated this issue and it was resolved in my favor. I never owed them money! 
XXXX Corporate Services XXXX Ext. XXXX Name : XXXX XXXX # XXXX
I previously made a complaint to the CFPB that was resolved in my favor. AR Resources, Inc. responded that " Please be advised that AR Resources , Inc. has closed the consumer 's account and requested that it be deleted from the credit report. '' While they did delete it from my XXXX and XXXX reports on or around XX/XX/2016, they never deleted it from my XXXX credit report. They, they reported it again to XXXX on or around XX/XX/2016. They are also reporting it as open, even though they promised the CFPB and me to close the account and remove it from my credit reports. Please have AR Resources , Inc. follow through with their promise to the CFPB and me to close the account and remove it permanently from all 3 major credit reporting bureaus and any other credit reports or other parties they reported it to.
Midland Funding placed a judgement on my credit report for a credit card debt that had nothing to do with them. I owed XXXX XXXX and apparently they purchased the debt and proceeded to harass me. I have a medical condition with proof and I told this company about this issue. This debt is since XX/XX/XXXX/XX/XX/XXXX and they are still harassing me to pay way more than I owe. I never received a summons but when I checked my credit report, there is a judgment placed. I called Midland Funding and asked them about it. they stated that they did not put this on my credit. Can you contact this company to find out why I have a judgement on my credit report and I am being hindered from getting medical attention because of this. I appreciate you investigating if this is legal for an unsecured credit card and the debt is so old. Thank you.
In XX/XX/XXXX & XX/XX/XXXX prior to doing a voluntary repo for my XXXX XXXX XXXX, I had several telephone conversations with XXXX XXXX department discussing the pros & cons in returning my car. 

I was told this return would be listed as a voluntary as long as I return the car to a local Nissan dealer, also incurring NO additional charges or fees. And any balance due would be written off as a loss. 

Nissan is reporting this on my credit bureaus as a charge-off ... not a voluntary repo/ loss which affects my credit tremendously. I have a decent score ... but each month the supposedly balance written off as a loss is showing as a charge-off monthly. 

I currently will be homeless in 3 weeks because no one will accept my credit showing a charge-off. 

Nissan refuses to list my voluntary repo as so or as a total loss written off. I have submitted several disputes with the credit bureaus & Nissan refuses to remove the wording Charge Off. 

Can you please help me to have them correct the reporting issue? 

They have refused so far.
RoundPoint Mortgage has lost money I have sent to them, miss applied monthly payments and have almost doubled my monthly mortgage payments. Missed paying my homeowners ins. twice causing cancellations of the policies. Refusing to investigate the certified complaint I sent them and now are charging me with late charges when I am current with my mortgage payments which are being mis-applied. I believe if they continue this inept and flagrant behavior in direct violation of the fiduciary laws will lead to unlawful foreclosure of my home.
The Company is called JTM Capital Management. On XX/XX/XXXX, my grand mother was called and informed of my personal information, and debt amount. I quickly called the Debt Collector that left her number, and explained that was she was calling an XXXX XXXX XXXX women and disclosing my personal information. I was told that this would not happen again, and I repeated my phone number as a source of contact until I could get this resolved. Three days later, my mother 's place of employment was called, again telling her coworkers that I owed a debt, the amount, my address, my date of birth, and other personal information. I called again, and was told by a women that they are not doing anything wrong, and that I am about to be sued by the original credit holder. I called the original credit holder, and was told that they are absolutely not suing me, and that this account was sold to debt collection agency that has no authority lying about suing!
This item is for XXXX XXXX Hospital. I received services at this facility in XXXX. The services were billed to both of my health insurance companies, XXXX XXXX XXXX for payment. After payment from both insurance companies, the remaining balance was supposed to be adjusted off due to contractual obligations between the hospital & my insurance company. The balance was not adjusted but instead turned over to XXXX. I contacted the hospital again & the balance was adjusted off. The hospital in turn contacted XXXX XXXX to inform of the billing error & also advise that the account was incorrectly submitted for collections. XXXX then contacted Equifax on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX electronically to request for the item to be deleted. I was informed on XXXX/XXXX/XXXX to allow 60 more days for the item to be deleted. I contacted Equifax last week & was informed that the medical bills is still reporting & to contact XXXX XXXX. I reached out to XXXX & they indicated that show the account as reported to Equifax to delete. I called Equifax today & was informed that they do n't know when it will be removed from my report. I keep getting the run around from Equifax.
I have submitted in a complaint before and have provided the requested documentation in a addition have disputed these two accounts for two years. I have spoken to my XXXX XXXX XXXXXXXX XXXX insurance company I had at the time who has confirmed on multiple times that this debt was not ever sent to them as a bill. The insurance company has also sent XXXX XXXX a letter directly stating that any medical bills from XXXX need to be billed to them as they have gotten any bills from XXXX XXXX. With that being said, since this is in fact reporting in correctly I would like both accounts to be removed from my credit reports. I have one for XXXX dollars and XXXX dollars. I have also sent letters requesting for a in depth validation demand for two years now with no response as well. This issue is still and issue and I want it corrected as soon as possible. I have spoken to the XXXX XXXX XXXXXXXX XXXX and they advised that it is intact against my rights for these two items to be reflecting on my credit reports as I have coverage at the times of service and your company did not bill them.
For the XXXX 2015 payment, I sent a check to GM Financial. Twenty-four days latter the check still was not cashed. I put a stop payment on it with my bank which cost XXXX dollars. 
I then sent out another check to GM Financial. The account is current and five months have passed. After five months, I still see this as outstanding on my credit reports. Like its some type of retaliation by GF Financial.
Wells Fargo has not addressed my concerns, and I did not withdraw from the home modification process, So once again they have falsely accused and slandered me. The reason why the process could not move forward is because the new appraisal that they promised they would order was not ordered. They were doing the modification based on a incorrect appraisal using the wrong square footage of my home. I have done everything, everything that they have asked me to do to include taking money out of my pocket to have the square footage appraisal done. Then that was not enough so they wanted me to go to the county assessment office and have them to correct it and I did that also, and the county assessment office of XXXX county has made the necessary corrections in reference to the square footage they have also reassess taxes because the value is less. I have not given them an incorrect phone number this is the only phone number that I have and I half to work. I have asked them to call in the a.m. hours and they still continue not to do so. They promised me they would do an appraisal again if I did everything that they asked and it still has not been done yet, so things can move forward. How can they modify the loan to make it more affordable if the appraisal is not correct. The last time I checked ad a PA licensed real estate agent, in order to do a modification you must have a correct appraisal done to determine the value of the home to see if in fact the person that is in the mist of the modification process can afford the home at the current and correct appraised value. Attached once again is proof that I have done everything that Wells Fargo has asked me to do. As I stated before in my last complaint, I have experience other persons from other races being treated differently in the same situation than I have been treated as a XXXX female.
I am receiving a generic phone call from a computer telling me to call them back. When I researched the company, they are not a legit company, they are fishing for information. I do not own any debt with them. The phone number is XXXX The company is called Dynamic Recovery Solutions. I knew not to call them back, since it was a computer. I am on the do not call list. Please stop them.
I thought I had submitted a dispute to the creditor 's response. For an unknown reason my complaint shows undisputed with CFPB. 
This is to dispute Capita One response to case number XXXX and add matters not included in the original complaint. 
The bank claims that there are no records indicating that a payment plan was agreed. The plan consisted of monthly payments of {$190.00} for six months and then the account was going to be placed on a permanent payment plan. The bank 's response is not credible since the bank has records of all calls and they indicate when they call or is called by the consumer that all calls are recorded. I spoke with collection officers in several occasions. The bank should be asked to produce the telephone records for the call when the first payment for {$190.00} was made. The record would should that that amount was established by the bank to provide a period of performance before the account was to be permanently placed on a payment plan. 
The records will also show that I was advised to make a minimum payment before the account was 180 days to prevent charge off. I made the payments before the 180 days. The account never became 180 days past due. The record will show that a delay by the bank in posting a payment resulted in the charged off of the account. In addition, the bank should provide a copy of their internal policy ( which they quoted several times ) that requires charge only when when the account becomes 180 days past due. The account never became 180 days past due. 
The bank failed to address the violations of the Truth in Lending Act and Fair credit Reporting Act cited in the complaint. It appears that the bank is hiding these records to conceal a violation of these regulations. 
New information not included in the original complaint. 
The bank used unfair and deceptive acts and practices. It was unknown to me that at the time I was talking to someone I taught represented Capital One I was dealing with a collection agency. In violation of the FDCPA the debt collector, XXXX XXXX, XXXX, did not disclose at the time they stated calling me that they are a debt collector. XXXX XXXX is a debt collector owned by Capital One. Capital One deceptive acts includes the use of debt collectors such as XXXX XXXX or XXXX XXXX, to collect on defaulted credit card accounts, but it calls these debt collectors a " servicer '' of the account and pretends that the account is not in default in order to get around FDCPA liability. Their deceptive practice includes the use of letters that look like they are coming from Capital One Bank, including the Capital One logo. 
Capital One Services discloses in the small print, that they are a debt collector, but they only do that after they have made several calls and after reaching and agreement with the creditor. The letter containing the terms of the agreement is the first time they disclose that they are debt collector. In addition, the letter indicating the terms of the agreement is made written with the intention to deceive since they make it look like it is from Capital One Bank. Failure to disclose that Capital One is a debt collector is a violation of the FDCPA.
I sent a certified letter on XXXX/XXXX/2015 requesting validation of this debt. On XXXX/XXXX/2015, I received a letter from CMRE Financial Stating that this letter confirm that the request for deletion has been electronically submitted to all the credit bureaus. Unfortunately today is XXXX XXXX, 2015 and this negative account is still showing up on my records.
Serious breach of privacy by JPMorgan Chase : My husband and I have all of our accounts wXXXX JPMorgan Chase. Recently, our adult son, who has the same first and last name as my husband, opened a checking account with Chase in XXXX, XXXX. XXXX XXXX was the relationship banker who assisted him with opening the account. When my son went to view his new Chase account online, he was also able to view, access and manipulate money in my husband and my accounts as well as his own. Both my son and I called Chase to let them know about the error and were told one of us had to go into a Chase branch to straighten out the problem. I went to my local branch in XXXX, XXXX on Monday, XXXX XXXX and reported the problem to XXXX XXXX, Branch XXXX. She reviewed my account information and contacted someone in the Chase back office and let them know there was a mix up with my husband 's profile and my son 's profile and that my son had access to our accounts in error. XXXX XXXX gave her colleague the information to correct the problem. They said they were not able to resolve the issue and I was told my son would have to go to the branch where he opened his new checking and give them the " Know Your Customer '' information again in order for XXXX to be able to correct the problem. It is now XXXX XXXX and XXXX has made NO attempt to contact my son to ask him to go back to the branch and provide the info. they need and have not taken his access to our accounts away. It is now over a week since this breach of our privacy has been in effect and my son still has full access to our accounts in spite of my actions to correct the problem.
On XX/XX/XXXX I received a call from a woman from an " unavailable '' number stating that she was trying to see if I would be home the following day so she could serve me a notice for a civil dispute. When I asked her what this was in regards to, she said she was unable to tell me any details as the notice was sealed and she could not open it, but that if I had any questions I could call the number ( XXXX ) XXXX with a case number that she provided. Upon calling this number I was connected to another woman named XXXX XXXX who claimed she was from a company called XXXX XXXX on behalf of XXXX XXXX and was responsible for determining whether or not I had maliciously attempted to not pay for an overdrawn but closed checking account opened in my name at Wells Fargo back in XX/XX/XXXX that had defaulted in XX/XX/XXXX. When I told her that I only had one checking account with Wells Fargo and that it was still open and in good standing, she said that this must be another account and that I would either have to pay to settle this immediately in the amount of $ 1300+ or I could be sent to court and have to pay a minimum of $ 4000+ dollars plus any legal fees incurred from this judgement. I again told her I had never opened such an account and hadn't been provided with any documentation of this debt, nor received any letter or communication from anyone attempting to collect said debt prior to today when I was informed I was being summoned to court for a pending civil judgement. She stated that she had documentation that I had been sent several letters and phone calls about this debt and that a response was never received. When I asked what contact information had been used, she stated incorrect contact information. I told her that the information was not correct and she again stated it didn't matter, that it was up to me to make sure my account was updated with my proper information. I stated again that I wasn't even aware there was a second checking account in my name, and that Wells Fargo indeed had my proper contact information since I currently have an account in good standing with them. She stated that Wells Fargo does not have the resources to contact me in this case and that I would either need to pay the voluntary restitution before the call ends or would be sent to court for the direct refusal to pay for this account.