WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX certified letters were sent to XXXX   regarding a inquiry on my Credit Report regarding XXXX/XXXX, I explained I did not give permission to pull my credit report and wanted proof of my permission rather it was on recording or by signature which I don't recall doing either.
On or about XX/XX/XXXX, I became aware of a civil lawsuit filed against me by the office of Gordon, Aylworth and Tami on behalf of XXXX XXXX for an alleged credit card debt that I owed. On XX/XX/XXXX I made the decision to file Chapter XXXX bankruptcy. On XX/XX/XXXX, I retained the law offices of XXXX as my bankruptcy attorney. On XX/XX/XXXX, I called Gordon, Aylworth and Tamis office at XXXX PST and spoke with XXXX . I informed her that I was filing bankruptcy and had retained XXXX and that any further communications with me would need to go through my attorney. Today, XX/XX/XXXX I came home from being out to find that the XXXX County Sheriffs department had left a card on my door advising they are attempting to serve me for the above civil case. This is a blantant disregard of my rights under the FDCPA as once they were notified I have an attorney, all communications should be through my attorney.
The original debt was with XXXX XXXX. XXXX XXXX had set up a payment plan to pay {$43.00} due XX/XX/18 payment made XX/XX/18. Letter from HCI medical received was dated XX/XX/18. I started receiving calls before the 30 days given to dispute the debt. The times called they were rude and would not disclosed nature of call. I spoke to XXXX on XX/XX/18 and informed her of the repeated calls and rudeness. She apologized and we set up a payment arrangement of {$50.00}. I made another payment on bv XX/XX/18 of {$50.00}. I received another letter from HCI dated XX/XX/18 letting me know my balance remained unpaid and threatened to submit to credit b.c agency after making arrangements. I spoke to XXXX on XX/XX/18 at XXXX XXXX because XXXX was on vacation. She stated that after 45 days I get that letter. I informed her that it was not 45 days and she said sometimes the system does that. Really? I informed her to give XXXX a message. I never got a call. I called XXXX today at XX/XX/18 at XXXX XXXX and the payment arrangements and notes were gone. This is wrong practices and I am complying and now I was told that there is a possibility it's been reported. My consumer rights are being violated and this companies employees are not following protocol.
Moneygram has blacklisted me and will not let me send money across the street let alone anywhere else purely based on conjecture with no evidence of proof or eyewitness testimony! 
Dear XXXX XXXX, Thank you the letter you mailed to our corporate office dated on XXXX XXXX 2016, detailing your concerns associated with MoneyGram XXXX. 



You have complained that MoneyGram has refused service. 



Please be advised that in order to protect the safety of our customers, and to meet our compliance requirements, MoneyGram actively reviews transaction amounts and frequencies and will, from time to time, put restrictions in place to safeguard our consumers. MoneyGram retains its rights to process or decline any transaction sent through its system at any given time when it does not feel comfortable with the purpose of the transaction and/or sending/receiving activities of the customer. 



After reviewing your send activity, MoneyGram Compliance Department determined that your transactions raises several red flags concerning the activity. Due to this reason, your name was placed on restrictions in the MoneyGram system which disables you from using our services. This decision was made after careful consideration and can not be changed in the future. We apologize for the inconvenience. 



Providing first class service is one of our main priorities. Again, we are sorry you encountered any inconveniences with our service. 



If you have any questions, you may contact us directly by e-mailing us at XXXXXXXXXXXX. To assist us in addressing your inquiries efficiently and promptly, please reference case number XXXX in any future correspondence Regards, XXXX XXXX XXXX - Resolution Assurance ______________________ MoneyGram XXXX p : XXXX f : XXXX XXXX XXXX , Texas XXXX , US
For the past 6 months I have received notices from Chase Mortgage Loss Litigation willing to give me assistance on my mortgage loan account number XXXX. I contacted Chase Mortgage to ask them to cease from sending me letters that I was not behind on my mortgage I was current. After speaking with the representative informed me their were no reason for me to have gotten those collection letters. I told them I did not want to look high risk for a trigger for my loan to be transfer for servicing or sold. My loan has been in good standing for one year now and there should not had been a trigger for my loan to look as if I was a high risk to foreclosure. Well because of this erroneous collection practice my loan as been transferred or sold the loan servicing rights. That 's not fair and I do not want my loan to be transferred for this reason. Please see attachments. I am not in foreclosure and am not behind on my mortgage for this property. Please avoid trigger to loan servicing. Please assist.
I recently received a copy of my credit report and was alarmed to learn you claim I have a delinquent account with you. I have never entered into any arrangement with you, nor did I sign a contract with your company. And as third party collector, you are not authorized to furnish any information on my credit report. In order to collect or report information about me, the law states you must first have my permission. I received no request for permission.
A medical collection was added to my account. I never received a bill in regards to this. Also this violates HIPA. I contacted the collection agency and they stated that this would be removed and credit bureaus have failed to remove this.
On XX/XX/XXXX I was contacted via phone by a person named " XXXX XXXX '' who claimed to be an attorney with Critical Resolution Media ( CRS ) based out of XXXX, GA working on behalf on XXXX XXXX XXXX. This gentleman informed me that I " owe '' a debt on a XXXX XXXX credit card, but was unable to provide the original date or state in which the debt incurred. He said I needed to pay an amount over {$600.00} to make this problem go away. 

I informed him that I had paid off that credit card back in XX/XX/XXXX or XX/XX/XXXX, and that money is no longer owed. He then began raising his voice at me and using " guilt inducing '' language such as " if you 're an honorable, honest person, you will pay this debt right now at this moment '' and made many references to legal trouble, criminal charges, ruined credit, and shame in the community. I reminded him that debtors prison has n't existed since the beginning of the 20th century at which point he became angry, raising his voice and threatening once more that if I did n't pay this debt I would be " setting myself up for a world of legal trouble and ruined credit ''. 

At that point I asked him verbally to please stop contacting me via phone and only send correspondence via mail. I did ask him to send me any and all information he had pertaining to this debt, and he sent me an email containing a completely different amount " owed, '' ( the email says I owe $ 1300+, NOT the $ 600+ he  mentioned on the phone ). The email also detailed that the original date of the debt was in XX/XX/XXXX, which is not possible, as I did not open or possess a XXXX XXXX credit card at that time. There are no debts or collections to XXXX XXXX XXXX on my credit report, and I can find no public record of any debt that I owe to XXXX XXXX XXXX. 

After the email, I looked up CRS on the internet and saw dozens of reviews outlining similar situations. My instinct is that this is a fraudulent company that relies on bullying and threatening tactics to trick people into paying debts they do not owe. 

Today, CRS called my home phone number ( not my cell number that they originally contacted ) THREE separate times, which was answered by my mother. Each time the company called, the same person 's voice identified himself using 3 separate names, and continued to threaten legal action, criminal charges, and ruined credit. At this point, CRS has crossed the line into harassment. They still have not sent me ANYTHING in the mail as I requested, and have provided no real proof that this is a real debt or that they are a reputable company. 

Please do something about this organization! I am not the only person they are harassing for a debt that does n't exist. I will provide their contact information below so they can be easily found : XXXX XXXX Critical Resolution Mediation LLC XXXX Phone ( XXXX ) XXXX ext XXXX Fax ( XXXX ) XXXX
I have a XXXX account for a XXXX - XXXX. We received an award from the Department of Justice and I submitted an XXXX form to have funds electronically deposited. The DOJ tried to confirm the account with Bank of American and got no response over a 2-month period. They called me with this problem and I went into the Bank of America branch at XXXX and XXXX in XXXX OK to ask them if they would contact DOJ and confirm my account. I met with branch officer XXXX XXXX. She told me that there was nothing she could do and it would have to go through a fax line. She had no other information and did not offer to assist. I asked her for a phone number to a department within BOA that could help. She offered no help. I then attempted to contact DOJ while in her office to see if there was a way to expedite a resolution. She got irate, told me that I was " wasting her time '' and " to get out of her office ''. She was screaming to get out. My colleague was with me and commented that she did n't need to yell and she then said she was calling the police. When asked what happened to customer service, she yelled " Shut up! '' I will be closing my account with BOA. I would hope no other person trying to get a problem resolved has to interact with this very rude individual who should absolutely not be working with the public. This incident was at the least an unprovoked verbal assault.
A {$500.00} loan. They debit weekly {$84.00} starting on the  XXXX  ( a week after receiving ),  XXXX  payment bounced so I paid {$200.00} today. So I 've paid {$360.00} and still owe {$380.00}. The fees are illegal in michigan. They are accruing weekly what should be monthly.     They debit weekly and charge fees weekly.
I have submitted a dispute to Experian 3 times stating that I have never lived at the address being reported, and it still has not been fixed. Any time I log in to check the status, it does not even say that it is under review. An additional complaint is that I logged in about 20 minutes ago to check it, it had n't been changed, so I came to CFPB to submit a complaint. I started the process, then thought maybe I would try one last dispute before I complained, but now when I try to log in, it says " We are unable to allow access to our online dispute service '' and because of privacy reasons they " can not provide a specific reason '' why. I have a feeling, though, that they were alerted that I started a complaint, and blocked my access. So I 'm back at CFPB to file a complaint over the simple manner of an incorrect address that they would not resolve on their own.
Nationstar of Texas took over XXXX mortgage after XXXX. Initially Nationstar phone rep granted opt out for Escrow, then they later renigged. Because of XXXX affiliates XXXX and XXXX Escrow violations payment is being sent via US Postal money orders dividing principal/interest, ins /tax and their declared XXXX th overage. They have invented a Forebearance Suspence account holding Escrow and overages and charging late fees because it is n't a lumped cumulative payment, also declared default during transition. Same strategy as XXXX and XXXX, blackmail credit rating with highly questionable balance manipulation,,, ,result will be a Postal Fraud claim ultimately.
I took a loan for {$110000.00} with PNC bank on XX/XX/XXXX. I made payments of {$1000.00} a month for nearly three years. In XX/XX/XXXX I lost a well paying job but still maintained my payments as long as I could. The final amount was {$100000.00} on XX/XX/XXXX. 

I started trying to try to make the payments again only to find it was charged off in XX/XX/XXXX. I paid {$14000.00} while not knowing the bank had added the charges below. 
Below is a list of charges post charge off the bank added to my loan : XX/XX/XXXX 1. ) {$4400.00} and 2. ) {$19.00} XX/XX/XXXX 1. ) {$15000.00} XX/XX/XXXX 1. ) {$1300.00} XX/XX/XXXX 1. ) {$1600.00} Adding a total of {$22000.00}. What is extremely odd is I started trying to pay the debt in early XX/XX/XXXX. My understanding is that banks ca n't charge interest on debt that has been written off. I have tried twice to come to a settlement but find their practices invasive and offensive given they treat the extra add-ons as normal. 

There is a discord between what is owed to the bank on the deed ( {$110000.00} )
This amount was previously removed. It was for XXXX account with XXXX. The equipment was returned and XXXX kept saying the matter would be escalated and the amount removed but nothing was ever done. Now it is reported again. Just today I spoke with another agent XXXX # XXXX she hung up on me when she tried transfering my call. I am tired of this issue. I ca n't resolve anything with XXXX. See attached previous response from Collection agency.
to whom it may concerned while checking my most recent credit report i noticed unauthorized and fraudulent credit inquiries made by following companies XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX card XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX in XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX I did not authorize anyone employed by these companies to make inquiry and view my credit report This is a violation of fair credit reporting act section 611 also their was a fraudulent alert attached to my credit file which seemed to be ignored by your company, and letters was sent with no response a attachment letter will be sentto show proof
I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and NAVIENT with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2014.
I am currently refinancing my house. It was brought to my attention that XXXX XXXX Bank student loan on my daughter that I co signed on shows it was XXXX. The amount of the student loan was {$17000.00}. Both companies have indicated that they can not make you pay on a loan they wrote off as a loss and shows on my credit report as XXXX. So I am asking for help to see if they are allowed to make me pay on a loan they took as a loss. 

In XXXX when I was XXXX from my bankruptcy, I was contacted by Wells Fargo and told I had to pay this or they were going to lien my house. I owed the debt and was responsible for it. I asked why they did not correspond during my bankruptcy. They signed a contract is a contract and I owe it. 

I have been paying since XXXX {$170.00} a month because I wanted to build my credit scores. The title companies say it shows I am delinquent XXXX months which is effecting my XXXX XXXX. I have asked for a copy of my credit report. When I went on XXXX XXXX drop down the information on Wells Fargo it shows Closed - Current payment status - In Collections/Charge-off. 

Could I please get some help regarding this situation if they are in the wrong for doing this of discharging it and now making me pay for a loan they wrote off as a loss.
Transworld Systems keeps trying to collect debts for the City of XXXX XXXX on a car that I do not own, I have never been to XXXX XXXX.
On XXXX XXXX, 2015 I ordered XXXX magazines most of which were renewals from XXXX. I have ordered from this company for many years and dealt with a woman named XXXX. When my credit card statement came, I noted that the amount of {$78.00} appeared and it was under the name of XXXX XXXX. The reason I did not question this name instead of XXXX is due to the fact that in XXXX of 2014, I had ordered with XXXX and when my credit card statement came, I immediately called to dispute the charge. When the payment was denied, XXXX from XXXX called me and wanted to know why I had stopped the payment. I told her that I did not recognize the name XXXX. She said that XXXX was now handling their billing for them. I called my credit card company back and explained what had happened and the payment went through and I received my magazines. This year when I did not receive my magazines after XXXX, I called XXXX and left a message. After repeated calls and then e-mails and no response from XXXX, I contacted my credit card company and was told that they could not do anything to help me because it was beyond the 60 day limit that XXXX puts on them. I filed a complaint with the XXXX XXXX XXXX Florida # XXXX and after a month, was told that they had not had a response and that I needed to contact the Attorney General 's office in Florida. They informed me that XXXX had their business license revoked on XXXX XXXX, 2015 since they did not complete the proper paperwork. They told me that the is XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX I have filed a complaint with the Attorney General 's office. They also told me that you can help me get a credit of this money from my credit card company. I think that if my credit card company is correct about XXXX 's 60 day limit, then this type of purchase with renewal of magazine subscriptions would not be an adequate amount of time to allow the consumer to realize whether there was something not appropriate in the purchase. I hope that you can help me with this refund.
I had deposited a certified check from XXXX to my account at Bank of America on  XX/XX/29 at the ATM. The deposit slip stated that I will have all funds available for use on the XXXX of XXXX by XXXX XXXX. which was 2 days from when I deposited the check. However, two days later I was told in an email and telephone rep at BOFA that the deposit was on hold for an additional 8 days which now makes it available on XX/XX/XXXX. I have spoken to supervisors and managers over the phone attempting to get the reason for the hold based on the federal law and the Bank of America disclosure a cashier 's check should have been available to me within 3 business days at the most. I did also verify that XXXX had already cleared and paid the {$5000.00} check on next business day after I deposited. Also I've went in to a BOFA branch and spoke with the manager there and after doing some research all I was given was that the hold is " confidential reason '' and she's unable to view beyond this point however, the manager did agree that cashier 's check should not be on hold for this long. She claimed that she was not able to remove the hold or do anything with this transaction and advised that she will get back to me on Monday XXXX after she does a little bit more research on this hold. I have bills to pay I have been over drawn from other accounts I have at different institutions which is all due to this hold which I think is unnecessary. I also have a sick dog that needs XXXX and other Medical needs that I was needing this check for. I have begged and explain everything to Bank of America however they are not willing to help me and neither are they giving me a specific reason for this hold. Based on the federal law regulation CC and Bank of America 's disclosure there is no reason for them to hold this CASHIER 'S check. Please help me. This is beyond depressing for me at this point. I appreciate your time and effort thank you
I am not being reviewed for a loan modification or short payoff. I have submitted multiple applications, but they have not conducted a review. SPS repeatedly asks for the same documents that I have previously provided. The dates that I submitted documents include ( but is not limited to ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

They also keep charging me unexplained and recurring fees, including a property inspection fee, but no one actually inspects the property thoroughly. The property is not visible from the street.
On XXXX/XXXX/XXXX I made a payment on my Citi Card account ending in XXXX using my checking account ending in XXXX, which I have made in error because my payroll goes to my account ending in XXXX. 
XXXX I realized my mistake, so I made a payment for {$2000.00} using my checking account ending in XXXX and another payment on XXXX/XXXX/XXXX using my account ending in XXXX for $ XXXXXXXXAt this time, Citibank have attempted to process my payment on XXXX/XXXX/XXXX which made my bank ending in XXXX fine me a penalty of {$60.00}. 
Because I already made a payment as soon as I realized I made an error on XXXX/XXXX/XXXX, I did not contact Citi and I have been accessing my account and I did not receive any notification or warning of them closing my account for this reason. If I knew that they will closed my account for this reason, I should have transfer the money on XXXX/XXXX/XXXX and have them processed the payment that I made by mistake using my account ending in XXXX. 
XXXX I tried to use my Citicard ending in XXXX and it declined. 
I called Citi and I called to numerous representative and finally get through the Credit Dept Mngr who said he will send a request to reopen it and it will take about 7 business days. On XXXX/XXXX/XXXX I received a letter online saying my reopening request has been denied even if I have explained to them what happened and already made 2 payments after that for {$4300.00}. I have put all my available liquid assets/cash into paying my Citicards, now I do n't have any resources to pay my bills. Citicard did not call me to tell me that my payment did not go through on XXXX/XXXX/XXXX. We are also planning to buy a house on XXXX XXXX, so I have been paying off my Citicard every month. I have not paid interest to Citicard because I have been paying it off before my due date, to increase my credit score for my future mortgage loan. Also, they just increase my credit limit to {$8300.00} from {$6000.00} on XXXX XXXX. 
Our plans of buying a house in XXXX and my credit score will be affected by this action tremendously. How can they not re-open my account when I already made the payment, I do n't have any balance due when I made the payment in error and it is within 30days of my due date. 
Please help me to reach the Corporate office of Citi and sort this out. Please re-open my account being that I have been a good cardholder of CitiCards since XXXX. 
Thank you. 

XXXX XXXX XXXX
My name is XXXX XXXX and I am resident of California. On XXXX I made an online reservation for a car rental with XXXX and prepaid the full amount of {$480.00} through my Costco Citi Visa card. Upon arriving in XXXX XXXX I proceeded to XXXX rental office and was told that they could not find my reservation even though I had a hard copy with me. They made a new contract and upon returning the car on XXXX they charged my credit card the full rental value of {$510.00} without crediting me for the prepayment that I had already made. I contacted my credit card company on XXXX disputing the prepaid amount of {$480.00} as the rental car company had billed me for the full amount disregarding the prepayment. I have provided my credit card company all documentation supporting my claim and after almost 4 months and numerous calls they still refuse to credit my account for the prepayment.