WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016 I found out that CITI bank illegally charged me {$280.00} from my personal savings plus acct. I had already filed a complaint against CITI bank per my previous complaint for total XXXX different issues including fraud, unsafe deposit, fail to pay promotional bonus {$900.00} and thank you points XXXX, illegally put XXXX charges each for {$64.00} to my savings plus acct which never occured any monthly fee before. Plus a {$25.00} fee due to theft and unsafe deposit happened transfer fee. 
I can not stand CITI bank illegally charged me another {$280.00}. This bank never brought me any benefits but all losses, harassment, extremely unpleasant bank experience. I am asking this bank to return my money {$280.00} immediately.
On XX/XX/2018 I received an email from XXXX XXXX stating an account was added to my credit report in collections by XXXX XXXX XXXX for the amount of {$520.00} and the open date is XX/XX/2018. The original creditor XXXX XXXX XXXX is not even on my credit report. I have not applied for any loans in years nor is there a hard inquiry for the loan.
I applied for a vehicle loan while I was serving in the XXXX XXXX. The lender, XXXX Santander offered to finance me. Being that I was a high risk borrower they were the only ones willing to offer a loan. I purchased the car as well as full coverage and gap insurance. I made a few payments, one which one was late. After my late payment, the very rude customer service agent told me that any extra payment I would make ( I had added sometimes up to {$50.00} a month extra on my payments to go to principal ) would only go to interest and that was my only option. In the first week of 2014 I was home in Colorado having  finished my enlistment contract. I was blinded by the sun on the way to a Doctor appointment and hit a small parking lot cement divider. It was approx. 12 inches high. It totaled the car. I submitted the claim to XXXX who tried to pay the bank. Santander would not take the payment and listed on my credit report as they repossessed the car. Which is untrue. They finally took payment from XXXX after I disputed the balance on my credit report. They now, over 3 years later refuse to take payment from my GAP insurance and still report my car as repossessed. If my car is repossessed and not totaled out, I demand to see the auction report. They are required to auction a repossessed car and provide me the amount left on the loan. But they can not do that because the car was totaled and therefore not repossessed. Santander needs to remove the repossession off my credit profile before I sue them in civil court. I suggest if Santander offers any consumer a loan, they walk away from the dealership. Walking around town and taking the bus is better than dealing with this corrupt company.
On XX/XX/XXXX I mailed a copy of my Drivers License, Social Security Card and electric bill to Experian for my free annual credit report I never received it. On XX/XX/XXXX I called Experian and spoke to XXXX in special credit services and after three security questions She said I failed and denied to send my report, she said that I would have to wait five days until the information I sent in was processed. On XX/XX/XXXX I called and spoke to XXXX in special credit services and was told that Experian don't have my personal information at all. XXXX told me to upload the information on there sight when I did they want to charge me {$12.00} for my free annual report. Enclosed I am sending you the information I sent to Experian on XX/XX/XXXX and a copy of my XXXX credit report.
I repeatedly asked that XXXX XXXX XXXX XXXX not contact me at work or during working hours, XXXX XXXX at XXXX has continued to call me during working hours and not after and now is calling my office phone even after I have repeatedly asked her that is unacceptable. her tactics are nothing more than aggressive! Can you help me make her stop this aggressive behavior? 

Thanks XXXX XXXX XXXX XXXX
Upon checking my credit report I noticed that XXXX XXXX as well as XXXX XXXX XXXX has place an inquiry on my Experian Credit Report. This inquiry is not my inquiry. I have contacted Experian in hopes to remove this inquiry but was told that there are not allowed to remove any inquiries. I stated that this inquiry is not mine and I have no knowledge of this company. Per section 604 in the FCRA, I am demanding Experian remove this inquiry that has been added to my credit report immediately. Please kindly provide me with Permissible purpose, Proof that I as the consumer initiated the inquiry and written authorization per the FCRA section 604.

Thank you in Advance,
I checked off the did not get proper notice of investigation because the others did not fit my problem at all. Sorry. Here is the situation : XXXX XXXX XXXX hired a collection agency XXXX XXXX and they hired a XXXX Attorney to represent them in court. I went to court when I was asked to appear. They never even showed. Therefore, the Judge ordered that the case was dismissed. I have the paperwork from the Court showing all the information that would be required for them to remove the negative marks on my credit report. So, I then sent all this paperwork to the credit reporting agencies. They are still investigating and as of yet, I have heard nothing. Everyone is telling me to sue the credit reporting agencies - Others said you can help me. So I 'm starting with you!!!! Apparently, they are dragging their feet on this one.
XX/XX/XXXX applied for XXXX XXXX by Chase Bank credit card. 
XX/XX/XXXX called in regarding for application status. 
The rep told me I was denied.
Many things but the most recent is after being denied a modification for many reasons and 4 years of being abused and tortured I finally received one in XXXX 2014. I was given a XXXX/XXXX arm. I had numerous questions about the documents but was told if I do n't sign them like it 's written they would take my home. After over 1 1/2 years of making modification payments I receive a statement in XX/XX/XXXX that that said I owed back escrow and my payment will go up almost {$300.00} which is now more than I was paying before the modification. I have not paid the extra money because I think what they 've done once again is illegal. But they are now charging interest on the amount I 'm not paying.
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX California XXXX XX/XX/2018 THE HOME DEPOT/XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX XXXX HOME DEPOTXXXX Account Number : XXXX Balance : {$720.00} SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : HOME DEPOT/XXXX I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/2018), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 


XXXX XXXX XXXX, XXXX Without Prejudice UCC 1-308 )
I reported this on XXXX/XXXX/2016. I checked the status of my case and it says that it is closed with non-monetary relief. The problem is, they are still calling every weekday and multiple times. If it is closed, then why are they making multiple calls?
I applied a new checking account in XXXX. This is a special promotion to receive a bonus offer {$250.00} who opens called Everyday checking account with Wells Fargo Bank. 
My application have been approved, and my new account is eligible to receive a bonus offer. I have received an email from them and it will be deposited {$250.00} within 45 to 60 day. In order to receive the promotion offer, I need to meet all criteria. I have made all criteria their requests. However, their promotion have not been promised because I already have a checking account with them. They already knew I have a different checking account and have approved my application and the special offer. However, they have not promise.
After revoking permission on XX/XX/2017 with employee XXXX to call my cell phone, I received a call from another male employee on XX/XX/2017. When I stated to him I had revoked permission and I did n't want them calling my cell phone, the employee told me to " shut up '' and this was not going away. I then hung up, called the main office number and XXXX picked up. I told her I wanted to speak to someone because I had reviked permission for them to call my cell phone and she put me on hold and the same male who verbally abused me minutes earlier picked up in began to tell me again to shut up and he was going to file harassment charges on me for calling his office.
I am writing to the CFPB today requesting assistance on receiving information regarding a debt I have with Prestige Financial. I financed a vehicle through this company at a 21 % interest rate for almost {$35000.00} back in XX/XX/XXXX, soon after my Bankruptcy was discharged that same year. I lost my job in XX/XX/XXXX and they were unwilling to work with me, payments wise, until I got another job. The vehicle was repossessed in XX/XX/XXXX and was sold at in auction for {$12000.00}, leaving roughly a deficiency balance of {$23000.00}. They continue to charge an interest rate of 21 % on the balance owed and my paycheck has been garnished off and on for more than a decade, for this vehicle that I have not had since XX/XX/XXXX. I have asked on numerous occasions, for an itemized statement showing my place payments made and interest. In addition, I have asked for the balance owed, a copy of the original contract and other pertinent information regarding this loan balance and I have not once received anything from Prestige, except what is listed on the Garnishment paperwork, every time they resubmit the continuation of garnishment through the courts. On multiple occasions, they have told me that they would provide the information I have requested and yet, have received nothing. Prestige has called and harassed me at multiple places of employments and have went as far as lying to coworkers to obtain information for garnishment purposes. I feel that I am being and have been, taken advantage of.
There is a Bankruptcy being reported on my credit report by XXXX XXXX and Experian that does not belong to me.
I recently noticed an entry on my credit report from " XXXX XXXX XXXX XXXX ''. On XX/XX/2015, I sent a certified letter requesting validation. I have n't received a valid response. On XX/XX/2015, I sent a letter to TransUnion, disputing this entry. TransUnion " Verified ''.
I applied for a credit card wit h Wells Fargo  on  XXXX  2017. At t he time of the application I had a credit freeze on my credit report. I forgot to unfreeze it prior to the application. I received an email stating that the application was denied because my report could n't be accessed due to the freeze. I unfroze my reports then chatted with a customer rep to ask if I needed to fill out another application or if the initial application could still be considered. I was told to fill out another application. I asked if they were sure that the system would n't recognize it as a duplicate I was told no and to fill out another. I proceeded to fill out another application. The app went into a pending status. When I called for a status update it says app was denied because I just applied. Exactly what the customer rep told me would not happen. My  XXXX  report was pulled on  XX/XX/XXXX  for consideration of the first app. On Friday  XX/XX/XXXX , i was informed that the initial application was denied due to high balances and additional reasons. On  XX/XX/XXXX  my   XXXX   credit report was pulled TWICE ag ain by Wells Fargo. I ca lled to find out why my report was pulled twice the day after my app was declined. I spoke with  XXXX  at  XXXX  who told me all they could do was put in a request to    XXXX    to have  XXXX  of the inquiries removed but that it would not be gauranteed to be removed but admitted it was an err or of Wells Fargo. T his was an e rror on Wells Fargo pa rt and those inquiries should be removed. If my app was declined on the  XX/XX/XXXX  and was not being reconsidered they did not have permission to access my report twice by the same credit bureau again the very next day after the app was declined. In summary, I have   XXXX   unauthorized credit inquiries on my  XXXX  report both dated  XXXX   XXXX     2017 an d I want them removed.
Please note I am seeking the assistance by the CFPB regarding a real estate fraud transaction pertaining to my primary residence. I have attached the deed of trust for each transaction I am contesting. I began to suspect fraud in XXXX after receiving mortgage statements from Bank of America for a loan in the amount of {$150000.00}. 
I never had a reason to believe I owed a mortgage since my property was paid off in XXXX ; here is the recorded document with the County Recorder 's Office of XXXX XXXX : DOC # XXXX However since my own investigation and unsuccessful attempt to have Bank of America assist me with my complaints in XXXX, I began checking the title of my property. I began to pull all the grant deeds with the county recorder 's office and went so far as to track the notary publics to determine who signed on my behalf. I was determined to identify the individual who had cashed out on my home and since than I am seeking the assistance of the District Attorney to validate the following transactions that I did not solicit : DOC # XXXX XXXX {$88000.00} DOC # XXXX XXXX {$90000.00} DOC # XXXX CountryWide {$50000.00} ( home equity line of credit ) DOC # XXXX XXXX XXXX XXXX {$70000.00} ( home equity line of credit ) DOC # XXXX Bank of America ( FHA LOAN ) {$150000.00} I have been making payments on the Bank of America/ FHA loan in fear that I may lose my home regardless if I did not acquire that loan. I just want to get to the bottom of this and fix this fraudulent situation immediately. I apologize if I can not provide specific dates, descriptions of the transactions or individuals since I am declaring the above transactions were completed without my consent or my presence. 
You may reach me at ( XXXX ) XXXX. 
Kindest Regards, XXXX XXXX XXXX
They called at XXXX XXXX. on a Sunday. Tell it was an automated call then they picked up the line
Dear CFPB, today, XXXX XXXX, 2015, I received an harassing collection letter via US mail from a agency called J.C Christensen & Assoc., Inc. concerning a judgment or debt I, XXXX XXXX XXXX am not a party to. I did send via certified mail a debt dispute letter to cease collection efforts.
the open.Acct and went car dealership to by a car .I give the Finance Department two Cheak XXXX to hold as a Deposit.they not suppose to deposit them until.I finance to buy a car.they deposit the check in my Acct.I called the bank and spoke to the manager.ask him if he not charge me the overdraft fees.this was a new Acct.they close the acct .and reported to XXXX.I cant open other because. it showing Account Abuse.
XXXX has been non-compliant with removing the unverified account FAIR COLLECTIONS & OUTSOURCING which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that FAIR COLLECTIONS & OUTSOURCING 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.
BACKGROUND - I have an investment property located at XXXX XXXX XXXX in XXXX, Georgia that is currently in foreclosure. No sale date is currently scheduled. I requested approval for a short sale from the lender XXXX Wells Fargo XXXX - which was approved almost 2 years ago. I have had multiple sales contracts - but XXXX potential buyers eventually canceled because the process was taking so long ( they found other properties to buy ). I complained to the CEO and SVP in written letters on XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15. Each time I received a letter from XXXX XXXX XXXX - Senior Vice-President Wells Fargo Home Lending stating that she would investigate and get back to me. I have not heard back from XXXX XXXX XXXX with the results of any investigation. SPECIFICALLY - THIS IS MY CURRENT COMPLAINT AND REQUEST FOR ASSISTANCE : A short sale offer of $ XXXX was made on XXXX/XXXX/15. The buyer is a cash buyer and funds have been verified by Wells Fargo. On XXXX/XXXX/2015 my sales agent spoke to a Wells Fargo representative in the short sales department. As per the representative, the file was declined for the offer being too low. As per the underwriter, they want an offer of at least {$180000.00} as the current appraisal they conducted deems this to be at fair market value. Two key points. A short sale from another buyer WAS APPROVED by Wells Fargo and underwriter for the exact same amount ( $ XXXX ) on XXXX/XXXX/2015. XXXX The buyer canceled a few days later because they had been waiting since XXXX/XXXX/2014 and found another house to buy. ) A new appraisal HAD NOT BEEN DONE between the dates of XXXX/XXXX/2015 and XXXX/XXXX/2015. No material market conditions or home improvements have been made since XXXX/XXXX/2015. After waiting for almost 2 years - I would like to get this short sale finalized. The fact that Wells Fargo approved $ XXXX in XXXX, we received a new offer 2 months later for the same amount with a qualified buyer, and now that offer is being rejected - is not ethical. I would appreciate any help you can provide.
I was told that my student loan would be forgiven and that the balance would be forgiven by at least 50 percent. I was told that the 1st 5 payments goes to the company for admin fees and that the {$40.00} a month would go towards my student loans. I found out today that this is untrue and the payments go directly to the company and nothing goes towards my student loans.
I was leasing a new XX/XX/XXXXXXXX XXXX from Chase. I extended the lease at the end because I was waiting for the new XXXX XXXX model to come in. The origional lease was due XX/XX/XXXX.On or about XX/XX/XXXX I paid the lease for the XX/XX/XXXX payment. On XX/XX/XXXX my new car came in. I was not expecting it until the end of XX/XX/XXXX. I get paid once a month and pay all my bills at the beginning regardless of the date due on that month. I turned in the leased vehicle XX/XX/XXXX to the XXXX XXXX XXXX XXXX NC. I also started the process to buy my new car. Six weeks prior to this date of XX/XX/XXXX I brought my leased car into the dealer at XXXX XXXX to inspect my tires. I was told that they did not need replacing. At the end of lease I Had under XXXX miles on the car way way under mileage ( XXXX + miles ) so I did not expect the tires needed to be replaced anyway. I also added leather seats to the leased vehicle at the time of the lease costing XXXX dollars extra. At the end of lease I got a bill for {$530.00}, XXXX dollars for the end of lease fee and the remainder for wear on the tires. I knew about but XXXX lease fees but my early payment of {$390.00} covered that and I don't believe my tires had enough wear on them to be charged. I wrote them a letter but never received a response and today I received another letter for the {$530.00}, no mention of my letter. I don't owe them anything, they owe me {$94.00} for the early payment made on the XX/XX/XXXX, not due to the XX/XX/XXXX when the vehicle was turned in on the XX/XX/XXXX. I also thought they would contact me so I could be there when they made their inspection but was not.
O n  X/X/17 , Citibank ema iled a letter to me asking to cash an official check indicating, this can be easily resolved by simply depositing the check or requesting a replacement.     O n  X/XX/17 , I deposited the check at  XXXX  ATM, but re ceived a letter from chase saying that that  XXXX  could not accept a check that is over 6 months old and direct me to ask the Citibank to re-issue the check.     On   X/XX/17 ,  I called the person who open the account for me,  XXXX   XXXX , at  XXXX   XXXX   XXXX , CA location.  XXXX   XXXX  told me who could not do anything for me.  One w ould hope that the banks representative that opened your account would be there to help later. Some call it the moment of truth.  XXXX   XXXX , however, was not willing to assist me at all. I explained to  XXXX   XXXX  that I already spoke with Citibanks customer service and I was informed that the cashiers check has not been cashed and a new check needs to be issued at the local branch.     O n  X/XX/17 ,  I visited Citibank office in  XXXX , CA that is closer to my work. I met with  XXXX   XXXX .  XXXX   XXXX  was not able to resolve my issue and said she will update me with the status on the following day, Friday ,  X/XX/17  and will expect to have it resolved by Monday,    X/X/17 . D espite her promise,  XXXX   XXXX  has not called me at all. My calls to that branch would always be forwarded to  XXXX  customer service that in turn would not be able to assist me.     After waiting for over a week for  XXXX   XXXX  response,  on  X/X/17 , I  called  XXXX  customer service at  XXXX  and placed a complaint #   XXXX    XXXX   XXXX   XXXX   XXXX  with  XXXX   XXXX ,  XXXX   XXXX .  XXXX   XXXX  assured me that an email will be sent immediately to  XXXX , CA branch,  XXXX   XXXX , and the branch  XXXX  and that I will receive a response shortly. To this day, I have not heard back from anyone at that branch.     O n  X/X/17 ,  I went to  XXXX  Bank branch in  XXXX , CA, my current bank. I spoke with the assistant branch  XXXX ,  XXXX   XXXX , about my inability to resolve this issue with Citibank. She encouraged me to get in touch with Citibanks corporate office and to file a complaint with the government.     O n  X/XX/17 ,  I visited  XXXX  location in  XXXX   XXXX , CA. I asked  XXXX   XXXX  to see the branch manager,  XXXX   XXXX , but even though she had no clients in her office, I was told she could not meet with me.     As you can see from above exchange, Citibank and its representatives have been impossible to deal with and have been deceptively promising to call me back with no intention of doing so. Since the Official Check has initiated from my own account and is payable to myself, there is absolutely no reason for Citibank to refuse to help me and treat me in the condescending manner.
Approximately back in XXXX I was XXXX. I opened a bank account with well Fargo. Checking and savings. After about a year and obtaining a credit card, I noticed I had another account tied to my online account and the address was from Arizona! I brought this to the attention of the bank and they froze my account! I filled out the paperwork for identify theft sent my social and all paperwork needed. And they still did not resolve the issue. It 's XXXX and watching everything that 's been on the news lately I 'm glad this has been brought to light! They still have my money and had to have my credit card account frozen and could not pay it!
I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me.
XXXX XXXX repeatedly calls to speak with " XXXX '' who does not live at this telephone number.
I have disputed this unknown account with both the creditor and tge credit bureau and it keeps coming back as verified. I have never had an account with chase, this account does not belong to me.
A couple of years ago, my business account was closed with no explanation. I had some refunds for around {$500.00} credited to my debit card after the account was closed. I still have not received those funds. A check may have been sent out in the past but I was out of town and not available to receive it.
Experian has my wrong personal information and I have been trying to correct it. My mail is not answered from them. There is no way to contact any customer service to speak to about it. There is no way to fix the issues online since they have the wrong personal information about me. I have zero way of accessing or correcting the wrong addresses and Birth date on my credit report. For a company who holds so much power over an individual it should not be so impossible to fix errors made on their part.