WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2017 I stopped by XXXX XXXX XXXX to see how approximately how much a new bed would cost me. The head salesman, XXXX, took me to the beds and three other salesmen followed. I was shown the beds and told them I couldn't qualify because I had a car loan to pay first, I just wanted to know how much. XXXX said well l get all sorts of discounts and coupons because I'm the lead salesman and we can get you a really good price. I said howmuch, and he said it doesn't matter because I'll use the discounts. Just sign this and I run a credit check. I failed. So I got up to leave, I was in alot of pain and told XXXX I needed to leave. He said wait just a second, then another salesman came up and said sign this we have another place to check. This happened 3 time so I finally made it out the store.

A few days later, the bed was delivered to my house. I wasn't home but my daughter let them deliver it. 
The next thing I know, I get a bill from Wells Fargo for over {$3000.00}. First I was told Wells Fargo had declined me, which was ok by me because I wont do business with them because of their dishonest business practices and taking out credit cards you don't request. And guess what? I was sent a credit card I did not ask for. 
I called XXXX XXXX and told them to come pick up the bed I did not want it, and I said I had already told you I wouldn't use Wells Fargo because they were dishonest. 
I next called Well Fargo to tell them they needed to deal with XXXX XXXX. 
I called XXXX XXXX again and said pick up the bed within three days or I will put it on the curb. Did not hear back from XXXX XXXX, so I put it on the curb and it was picked up. I did not hear back from them nor did I hear back from Wells Fargo. 
Just an FYI the bed in reference actually sells for about {$1700.00}
I have requested my Chex System report twice, once several months ago. They are yet to send it to me. I was recently denied an account my XXXX XXXX XXXX based on information they provided.
I have a bank account with Bank of America. to transfer money between accounts, they have a {$1000.00} limit per day, unless you get a text message code, or get XXXX card. 
I have recently relocated back XXXX XXXX after living and working XXXX for a year ). During this relocation my XXXX card malfunctioned, and will not allow me to transfer money. Now that i am living outside of the United States, Bank of America will not provide me with a replacement XXXX card ( as they do not send overseas ), and I can not get phone text messages ( again due to me being outside of the United States XXXX. Due to this, I am unable to transfer my money XXXX more than {$1000.00} a day ) between accounts, and outside of the United States back home. 
As I was working in the United States for a year, I have a substantial amount in this account, that I would like to get access to. 
And to make matter worse, they have a policy of not replacing a XXXX card within 30 days of updating an address. Which I was not aware of. So after relocating to XXXX, and getting a house to live in, I updated my address, then tried to apply for the XXXX card. I was told that I need to wait for 30 days, before I can re-apply for this card. 
So, I have waited for 30 days, and have just been informed that I can not get this card at all ( unless I change my address to a friends place, wait another 30 days, then get it sent to my friends who can then forward it on to me ).
We financed our home with Wells Fargo in 2007 for a 30 year fixed rate term. We made payments for nearly 10 years, our starting balance was a {$150.00} our current balance is {$150.00}. Our total payments to date are {$120.00} and only {$4.00} is on principal. How can that be?
My Account at Citi Bank has always been a mess. They closed it when the market dropped since I paid a little late here and there. Then when I went on short term XXXX I was not getting paid on time from the State so I started to get behind and Citi would n't let me pay online. anymore. At that point I sent a check to get up to date and they misapplied the check so I decided I was not paying by check anyone. I would call in but their hours are awful and made it hard for me to pay since I work long hours. Even if I paid on the due date if it was after their cut off I still had to pay their late charge. so in XXXX I decided to sign up for ACH payments it was going fine for a couple of months then just stopped. I called no one at Citi would take the time to help but one man he saw it was set up but did n't know why it just stop pulling. I paid for that month and the next and he set me up for ACH again starting on XXXX/XXXX/XXXX for XXXX So here I think its coming out but when I was trying to see why my checking account was off balance in the Month of XXXX. I called in to Citi asking why they are not taking my payments. Everyone I talked to said I was never set up and I explained I have a letter from Citi Bank Confirming this. The Reps stated they could not help me and my account was sent to XXXX. I talked with them and they also said something seemed off on my account and put a claim in. They said my account is on hold not to make a payment that Citi has 60days to look at the account. I call back they said Citi have never replied to them so they sent in another claim telling me not to make payment that if I did then that 's admitting Fault. I tried calling them again and still nothing from Citi. Now its end of XXXX so I fax a claim in my self. Still Nothing from Citi. I mail in a payment since I keep getting billed writing a letter with my claim that I still want my late charges back and my credit fixed and my account sent up for ACH. It is now XXXX and I have still not heard anything from anyone. I tried calling and everyone tells me they can not help me. All I want to do is pay my bills on-time and if I am couple day late then I will pay the Late fee however if my account is set up on ACH and you do n't pull it when its no fault on my end then no I am not going to pay their Late fee. I am started to feel like this is a scam since companies live off fees and that 's why Citi has not responded to claim. I and XXXX have sent several claims in and Citi never responds. This is the only account I have payment issues with and can not pay by phone, online or ACH. My account is up to date I tried calling to make my payment and they refused it. I never heard of a company refuse payments I tired several times and different departments. I am sure I am not the only one. All I want is the late charges refunded a letter to fix the Late payments and my account set up for ACH. I have all forms to show you.
The loan is for 8.75 % and I was paying it on time for a number of years until the economy took a dive. I asked several times to be refinanced and they said no. I have asked many times for some help with HARP and they said no. Can you please see what is going on? They kept adding charges which is now over {$19000.00} which will prevent me from ever catching up when I am only 1 payment behind. They are charging me {$15.00} a week for someone to driveby and take pictures. It adds up quickly.
XXXX Gym continued to bill me after I cancelled my membership. I joined this gym end of XX/XX/XXXX. Froze my account XX/XX/XXXX, cancelled membership XX/XX/XXXX. XX/XX/XXXX I see a charge from the gym again. I called the XXXX XXXX manager, who said he 'd cleared my account and that I should call his gym 's headquarters, XXXX that handles billing for him. I called XXXX, the rep. also told me that my account is cleared with them. This was back in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I received a letter from the collection agency stating I owe XXXX Gym {$51.00}. I ca n't call the gym, as it 's closed now. So I called XXXX, now they tell me they tried calling me in XX/XX/XXXX about the charges, that even though membership is cancelled they charge XXXX more month of dues ( XXXX ) and an additional return fee of {$25.00} XXXX I had disputed the XX/XX/XXXX charge with my credit card ). I wish XXXX told me about the XXXX more month charge when I spoke with them in XX/XX/XXXX Also nothing about XXXX more month payment was when I was signing up with XXXX Gym. These deceitful practices must stop!
So i was mislead to buy a new Vehicle. They said only one bank approved me. Which was another lie. The whole time the seller mislead the buyer into signing a contract .ive tried talking with the GM but hes rude. I took it back within the time limit and they refused. They used someones elses insurance. They will know its me. They brought my credit down to nothing
I XXXX XXXX XXXX, was a cosigner for a personal loan from XXXX. the loan was paid for in full about two years ago, how ever my credit report shows that the loan is still active. I am attaching an letter from XXXX, stating that the loan was paid in full.
This company is leaving messages at my place of employment after telling them by phone to not call my place of employment because I could lose my job.The calls are still being made.My place XXXX employment tel. no. that I have asked them not to call is XXXX.
On XX/XX/2018, I tried to reopen my account at Bank of America due to my previous account with Bank of America paid in full account number XXXX. Representative XXXX of Bank of America deny me a new account without adverse notice.
I do not remember borrowing {$9000.00} in XX/XX/XXXX and my home equity was used as collateral. In the foreclosure process in XX/XX/XXXX, I filed bankruptcy to try to keep my home. The bankruptcy was dismissed in XX/XX/XXXX, because I was unable to pay the {$1200.00} per month. Last year, XX/XX/XXXX, Springleaf started calling with threats about the {$9000.00} loan. I did not know it was unsecured, and they did not ask for the money on XX/XX/XXXX when the foreclosure short sale occured.They are calling threatening me and talking to me like they will come after me. I have been making payments, but on XXXX Social Security and XXXX just is not enough money. I spoke to the foreclosure attorney and he said it was an unsecured loan now, but Springleaf, now called OneMain is using scare tactics.
On XX/XX/XXXX I paid off the {$8000.00} balance owed on our Alaska XXXX XXXX XXXX card. See attached statement documentation. 

I received a letter from Bank of America dated XX/XX/XXXX that they closed my account! 
The " reasons '' given were based one late payment on some of my other credit card accounts that I also have paid off or have paid at least {$7000.00} toward their balances - also on XX/XX/XXXX. 

Therefore the basis for their decision is moot. I 'm current with all of my creditors and mortgages. 
I have paid off 4 credit cards and my XXXX lease. Therefore taking what was considered high-utilization of credit lines down to 30 % or so. 

The last thing I expected was to have my account closed right after I paid off the balance. Especially not even receiving a phone call to discuss the situation. This is a horrible way to treat a customer who is paid in-full! 
I 've also lost my XXXX XXXX by them closing the account ... ..something that I paid for with each annual fee.
I moved from my hom e  XX/XX/XXXX  I  contacted  XXXX  to schedule to have power disconnected from the address. They set it up for XX/XX/XXXX  . T hey explained to me that my deposit would cover my last bill. So around  XX/XX/XXXX  I noti ced they put a charge off on my report under all  XXXX  bureaus in the amount of {$240.00}, it didnt show up as a collection account but under a regular account showing it was opene d XX/XX/XXXX  and closed XX/XX/XXXX . Th ey mafe No contact with me regarding this account before it charged off. Then a month later I received a letter from a collection agency regarding this account. I called them and they advised me to contact  XXXX  which I did and they are claiming they didnt put it on my report and that my deposit covered the amount., but its still showing. I 've disputed it several times through the bureaus but it always comes back as " verified '' and not " validated ''
When I spoke with Wells Fargo on XX/XX/XXXX they told me they had foreclosed on my home while I was in the middle of a refinance with a qualified co-signer. At that time they told me I had three options, One was to contact a Federal Program that Wells had declined to work with before, the second was to pay off the total amount I owed in arears, and lastly to re-apply for a modification with their re-entry department, which I did immediately on the phone Wells Fargo representative XXXX XXXX. 
XXXX informed me that all I needed to do was send them two pages of their modification application and that I would know within 3 days of their answer. 
In today 's mail, I received a letter from the XXXX County District Attorney about Foreclosure Fraud Alerts. I says that in fact my home was foreclosed on XX/XX/XXXX and that Wells can  not foreclose when I am in a modification process. 
Can I please get some help from this unscrupulous company who has refused to work with XXXX XXXX XXXX XXXX and XXXX even though I qualify for a modification, and they foreclosed on in the court, without notifying me, while I was in a modification process and all to short sell my property with over 600k in equity. 
Attached is the letter from the DA and my fax receipt of the modification papers with a stamped date. 
I am a XXXX woman with a XXXX child, please help.
The Student Loan Listed as : XXXX XXXX Date Open XXXX XXXX is reporting 60 and 90 days late in the months of XXXX and XXXX XXXX which is incorrect I never made a payment during this time because I did not have to as I was still in school I had started attending Graduate School at XXXX University and would not have been able to secure Financial Aid during this time had that been defaulted. I have requested between all three credit agencies XXXX, XXXX, and Transunion to delete just this one closed : Paid in Full status account and I have been ignored multiple times it is reporting inaccurately and effecting my Credit Report and ability to secure funding for anything additionally if I needed to.
This is the second email message I have received : Rate Information for XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX via XXXX XXXX XXXX ( 3 days ago ) to me Hi XXXX, New rate information has been posted. 

Please use the link issued below to obtain our new rate and contact us with any other questions. 

Check our new rate in Texas. 

Sincerely, XXXX FHA Rate Guide FHA Rate Guide XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX NY, XXXX This message is not affiliated with XXXX XXXX. 
To stop receiving our emails please unsubscribe. 
I contacted XXXX XXXX XXXX my mortgage lender and they stated this is a fraudulent email that it does not use email messages. I completed the information requested when I received the first email. Upon completion LoanDepot name showed up. LoanDepot has made several attempts to get me to make a loan from it to consolidate bills and I refused. LoanDepot stated that due to my credit score I did not qualify for refinance on my mortgage loan. However, LoanDepot continues to call me via telephone and send bogus emails. I do not know what can be done in this regard. However, any assistance you can provide is greatly appreciated.
I need to file a complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. The reporting on what was once a combined commercial/residential wrap around mortgage is now just attached to my personal residence after I sold off the commercial property attached to the collateralized loan. Shortly after I sold the commercial portion, I was hit with an acceleration of my mortgage after XXXX XXXX acquired the mortgage from a bank merger. This was extremely unfair at the time due to the personal hardship I was going through with the passing of my wife, who was also an XXXX and a partner in my XXXX XXXX. Then XXXX XXXX started what was proven to be an illegal foreclosure action. Since the commercial aspects of the mortgage was eliminated with the sale of the larger portioned commercial percentage, my rights under the Fair Debt Collection Practices was protected under the XX/XX/2018 addendum of that federal law, My rights were violated by XXXX XXXX as I should have been given the initial right to modify the terms of the loan and take out the balloon payment, normally associated with large scale commercial transactions. After the foreclosure was filed I filed a counterclaim. XXXX XXXX XXXX was trying to ingratiate themselves foreclosing on a {$400000.00} home with only a {$140000.00} balance. I discovered that my rights were being violated under federal guidelines with both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Eventually, XXXX XXXX XXXX realized their mistake and gave me a restructured mortgage with all past payments, interest, penalties and legal fees waived, and gave to me a six-year mortgage completely interest free as long as I dropped my lawsuit against them with the Supreme Court state of New York. In essence, the current reporting is a complete falsehood, as it was XXXX XXXX XXXX that brought about the illegal foreclosure action. I should have a new payment history starting from the month of the restructured mortgage. This abusive reporting on all credit bureaus is a direct violation XXXX XXXX XXXX has with their subscriber agreement with all three national credit bureaus. The negative reporting must be deleted and only the payment history that started with the interest free mortgage should be posted. Accordingly, XXXX XXXX XXXX has only one option, to rectify this immediately and live up to their subscriber agreement with all three credit bureaus.
XXXX XXXX XXXX XXXX has hired Bonded Adjustment Company a credit collection company to collect on a debt. Debt was created in XX/XX/2005 ( over 10 years old ). Amount is {$2800.00}. I h ave received a Demand And Notice For Hearing.
I contacted Experian in reference to some fraud activity in my credit file. I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. First thing is an address of XXXX PA XXXX which I have never been associated with. Seondly the credit accounts have been removed. As I stated and provided proof I was incarcerated until XX/XX/2016. So there is no way, I was attempting to establish credit as this is not possible from prison. So even though the fraudulent accounts were removed the Inquiries which I did not initiate are still present. So an ID security alert was placed on my account which I appreciate, I just need them to follow through and remove the inquiries entered below and the address mentioned above. 

XXXX XXXX Bank Date:XX/XX/2016 XXXX Date:XX/XX/2016 XXXX Bank XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016
Todays date:XXXX XXXX, XXXX XXXX XXXX. SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious SECURITY CREDIT SERVIC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
My loan was sold to nationstar mortgage, I ve been having trouble with them from the start .I have contacted an attorney to get things straighten out. And the person that he talk to there had agreed XXXX some terms to straighten out the matter but like always nationstar will not work to get this loan straighten out Now they wont give my attorney the rein-statements Values paper work that is needed?
Given that Experian is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have Experian clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me.. Remove XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX/XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX ,
A debt was sold to a new collection agency ( XXXX ) for XXXX who did not notify me within 5 days that the debt was being sold or even call me or send me a letter to give me the oppurtunity to settle the debt or dispute it before it was added to my credit report which is a violation of the reinsertion law they reported on XX/XX/XXXX
The property was foreclosed on XXXX/XXXX/XXXX. The bank has not paid any dues since then and now {$900.00} is owed till XXXX/XXXX/XXXX. The exterior of the house is not being maintained, the interior is unknown. Shrubs are growing up around it and siding is coming loose. Becoming an eye sore for the neighbors and community.
On Wednesday, XXXX XXXX between XXXX and XXXX, my employer was contacted by a man named XXXX with a collection company. He asked my employer to know personal information about myself. The phone number was XXXX ext. XXXX
Last year XXXX started reporting some old accounts that I had never been communicated before that I owed. After agreeing that they would delete the trade line from the credit reporting bureaus and that I would pay such amounts ( which I did ), I received some written acknowledgments from this companies that the trade lines would be deleted. It 's been several months, and the accounts are still being reported. I was able to contact XXXX and get the trade line deleted ( after spending hours with them on the phone and sending back and forward letters ). With XXXX and Equifax I have n't been able, as because of my long last name, it 's impossible to correctly fill up their requested fields. I 'm outraged. This has been going on for over a year. If this time this is not resolved, I will sue.