WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage servicing was transferred to Loan Care. They immediately started robe-calling me every day. The robocaller simply says " Please call Loan Care back at & lt ; number & gt ; '' and nothing else. Not necessarily exactly those words, but no actual information about reason for call or possibility to stop the calls. So far there are XXXX numbers they have called from ... XXXX and XXXX. In each case, they ask me to call the number they called from back. Interestingly, their caller ID does not come in as XXXX, but as XXXX XXXX XXXX XXXX XXXX XXXX. 

I 've called them back as requested several times and each time I 've been assured that they will stop the robocalls. Each time, they have failed to do so. 

It 's maddening and they call at different, mostly inconvenient times each day.
The recovery agency for the XXXX XXXX XXXX threatening phone calls on garnishment of my SSI benefits. The loan amount was in XX/XX/2013.
Fill dispute for a payment I incorrectly made to my utility company. I did not put the decimal point and sent out extra money. Utility comp any advised me to call credit card to dispute it and it's been an on going process since XX/XX/2017. I've sent them all of the paper work they need and I keep receiving emails months later requesting the same information I've already provided citi dispute team.
I would like to file a claim regarding my Citibank Saving 's promotion. I logged into my account and saw this promotion in XXXX. Then I clicked the link in the promotion to enroll. I also called the phone number provided in the promotion, and sent a secure message to Citi customer team to confirm. Both service representatives confirmed that I successfully enrolled into this promotion, and I should receive the bonus after I completed the requirements. As stated in the terms, this promotion is valid for my existing Citibank Saving account. 

Here are the terms for the promotion offer I enrolled : The cash bonus will be credited to your new or existing Citibank ( R ) Savings Plus Account within 90 calendar days from the date when you completed all offer requirements. To qualify for a cash bonus offer, you must first enroll by clicking " Enroll now '', visiting a branch and asking a Citibank Representative, or by speaking with a Citibank Representative through CitiPhone Banking ( R ) by XXXX/XXXX/16. You must make a minimum deposit of {$25000.00} in new-to-Citibank funds into a new or existing Citibank Savings Plus Account betw een XXXX/XXXX/16 and XXXX/XXXX/16. New -to-Citibank funds are funds that are not currently held at Citibank or an affiliate of Citibank . Cash bonuses are tiered and qualifying deposit amounts range from {$25000.00} up to more than {$250000.00}. The amount of your cash bonus depends upon the amount of your qualifying deposit. The qualifying deposit tiers are : $ XXXX {$49000.00} earns a {$300.00} bonus ; $ XXXX {$99000.00} earns a {$400.00} bonus ; $ XXXX {$240000.00} earns a {$500.00} bonus and {$250000.00} and more earns a {$700.00} bonus. The qualifying deposit must be maintained in the Citibank Savings Plus Account until XXXX/XXXX/16. 

I funded my Citi Saving account with deposit of {$25000.00} in new -to-Citibank money in XXXX and maintained the amount until XXXX, which met the requirements for the {$300.00} bonus in the promotion terms. However, Citibank refuse to give me the bonus stated in the promotion. I contacted Citibank and they conducted a investigation for my case. The result letter of the investigation said that they can not find the promotion in my account. As stated before, I clicked the link in the promotion page to enroll. I also called the phone number provided in the promotion, and sent a secure message to Citi customer team to confirm that I have successfully enrolled into this promotion. I have taken a screenshot of the promotion, and saved all the communications with Citi customer service representatives as my record.
I sent certified mail on XXXX XXXX, 2015 a letter requesting Portfolio Recovery Associates , LLC to send me the original documentation on a debt they are trying to collect. They were unable to provide me with the requested information. They sent me a letter stating that they reviewed their records and they deny their records are inaccurate with out sending me the original documents which I requested them to and am entitled to under the Fair Debt Collection Practices Act.
This company originally reported this item to the credit bureaus back at the beginning of XX/XX/2017 I disputed this item with them as well as the credit bureaus they ended up deleting this item and sent me a notice saying they would stop collection attempt and remove it from my credit file in XX/XX/2017 this is my last attempt trying to get this item removed before I file suit since they failed to verify this item and send real reporting items that have my signature for this item.
I had a loan with XXXX XXXX XXXX and recently transferred to Bayview Loan Servicing. 
I had received an Agreement from XXXX XXXX XXXX to be approved for the Home Affordable Unemployment Program as of XXXX/XXXX/XXXX to begin XXXX/XXXX/XXXX. I have been unemployed since XXXX XXXX, XXXX. The loan transferred to Bayview Loan Servicing on XXXX/XXXX/XXXX, and now they are NOT wanting to honor the 6 months Forbearance ( Affordable Unemployment Program ). As far as I understand the Making Home Affordable guidelines, the new Servicer is to honor any agreement previous to the account/loan transfer. Please help me settle this issue. Thank you.
XXXX has put me in collection for a debt that I do not owe. They have never sent any outstanding balance info and never contacted me once about any unpaid debts. I do not have an account with Enhanced Recovery Corp and do not owe them any money.
The calls from the company that is saying their name is XXXX XXXX started on Monday XX/XX/XXXX, they were calling my number and my fiance 's number with a message to serve.This morning my fiance received a call from an unknown number stating her name was XXXX XXXX. My fiance asked me for the last of my SS and from there XXXX XXXX stated she was going to have XXXX ( my fiance ) arrested for not giving out my phone number. She also told XXXX what the debt was and when it was from XX/XX/XXXX. I then told XXXX give them my phone number and asked them for the company name and address, XXXX was then hung up on. After that call I called XXXX and spoke with a representative stating this is my Debt from XXXX {$1500.00} court cost and {$510.00} cost to Advance America. I first asked for a validation of the debt, which she said she can not provide.I mentioned this debt is way passed the statue of limitations and said it was not.While I was on the phone with her my fiance got another call from the same company in which then she handed me the phone. I told her she can not threaten to have anyone arrested or sued over the phone as it is against the FDCPA. The representative stated if they are impeding on the investigation they can have them arrested This is a HUGE FDCPA case in which this company need to be closed for their improper business practices.
There is an address on XXXX credit reports that belong to another person. Never was my address. It is the XXXX, PA address.
my credit score is low because I just found out that an account that was closed in XXXX 2014 is still reporting till this year that I have not made payments. this is causing me low score. Why is it still saying that.
Since approx XX/XX/17, XXXX XXXX XXXX has called me because I am behind 1 payment. They have called me from an unknown number, every single day except Sunday, every hour at least once ( the calls occur between XXXX and XXXX ). Just today, they have called me 5 times. The calls started at XXXX. The last 2 calls occurred at XXXX and again at XXXX. I have picked up the phone and made them identify themselves .... This is how I know who it is, otherwise I would have had to trace the calls. This is harassment and it is an annoyance that I am very tired of. This company should not be allowed to call me from an " unknown number '' and they should not be calling me every hour of every day, 6 days a week.
I have fully paid this account and there seem to be fees that were charged although the account had XXXX balance. Also, there is inaccurate late payment reporting on my credit report for this account. XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. I  reported fraudulent charges on this account and have been attempting to contact US BANK to no avail and been transferred to different departments. 


US BANK {$6.00} Account Details Last Reported XX/XX/XXXX Creditor Name US BANK Account Type Flexible Spending Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1200.00} Term -- Monthly Payment {$4.00} Responsibility Individual Balance {$6.00} Highest Balance {$4100.00} Payment Status Current Worst Payment Status 60-89 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times 30/60/90 Days Late 2/2/0 Remarks Canceled by credit grantor Payment History Latest Status : Current XX/XX/XXXX OK OK OK OK OK 30 60 30 OK XX/XX/XXXX OK OK OK OK OK OK OK OK OK 60 OK OK XX/XX/XXXX OK J F M A M J J A S O N D 30 30-59 Days Late 60 60-89 Days Late Credit Utilization*0.50 %  Creditor Contact Details US BANK XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
In  XXXX    XXXX  , we obtained a mortgage loan through t he Citibank Mortg age. The mortgage account has a promotional offer attached. We expected that a cash bonus equivalent to the first mortgage payment, up to {$2500.00} would be deposited to my linke d Citibank checking  account within 90 days of the end of the statement period advertised as lo ng as the requirements are met. We carefully followed the instructions from the advertisement and has met all the requirements by 1 ) obtaining a new home purchase mortgage loan from Citibank, 2 ) opening a personal regular checking account in the Citigold Account Package, and 3 ) signing up monthly debit of the ortgagement but nothing happened. No fund was ever deposited to my account. We contacted the company for the next few years, but every time they said they put it on note and would investigate but we never received any response. Here is the case number   XXXX   and one of customer service representative IDs :  XXXX
I recently reviewed my Equifax Credit Report. I continue to view Inquiries made on my Equifax Credit Report that I do n't recall authorizing. Equifax continues to reply to my disputes regarding inquiries with a standard response EVERY SINGLE TIME. The response is the following ( Case number # XXXX ) " Equifax has reviewed your complaint and its records regarding your dispute. Please be advised that inquiries are a factual record of file access. If you believe the inquiries are unauthorized, Please contact the creditor directly and follow their internal fraud procedures. Written confirmation has been mailed to you ' ''. This is contradictory to several of my previous disputes through XXXX regarding inquiries displaying on my Equifax Credit Report. The following are the case numbers with XXXX that Equifax did not reply with the standard response and had the inquiries removed, XXXX & XXXX. I am requesting that Equifax remove the following inquiries from my Equifax Credit Report ... .. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX EQUIFAX MORTGAGE SOL XXXX XXXX, XXXX ( I 'm not in the market in Buying or attempted to buy a house in over 2 years ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX In my complaint with CFBP # XXXX I SPECIFICALLY REQUESTED that Equifax not to reply with there standard response. Unfortunately Equifax continues to not honor my request and continue to damage my credit worthiness and credit score for knowingly and willingly to not COMPLY WITH THE FCRA. I provided evidence that Equifax has previously removed disputed inquiries without me having to contact the creditor. Furthermore, I have contacted the Creditors as Equifax requested and each creditor has told me " I need to CONTACT EQUIFAX ''. Please stop these delay tactics. 
If after the investigation Equifax believes that the inquiry are legitimate I demand that Equifax provide me the name of the Equifax Representative who conducted the Investigation and the name of the individual ( creditor ) that was contacted to confirm that the inquiry was legitimate. Furthermore, if such evidence exist I demand that Equifax send me a copy of such alleged documents so I can verify it 's validity.
I wanted to pay down a Bank of America credit card. I have had the card and other accounts for over 15 years. The total amount owed was XXXX. I called ( XX/XX/XXXX ) about settling the debt and they said ok and transferred me to 3 or 4 people. I realized they were closing the account and " settling '' and called back less than 15 minutes later ( XX/XX/XXXX ) and they said it was fine that I did not need to settle and no paperwork had been submitted. I made a {$9000.00} payment the next day. Then I received a letter that the account was closed so I called to am where I could see my remaining balance. The lady said she would send one out. Then yesterday I received a letter that said the credit agencies would receive a bad report on my behalf. I called and after an hour and a phone call back was told there was nothing that could be done. All I wanted to do was pay them the full amount owed. The settled amount was {$8300.00} and they took the {$9000.00} payment I made. I want to give them the remaining {$1300.00} so I wo n't be in financial ruin for the next 10 years. That 's all I wanted to do and they refuse. Please help me. I have a XXXX XXXX XXXX XXXX XXXX and both my wife and I have worked and paid our bills for 20 years.
On XX/XX/ I sent certified letter to XXXX XXXX disputing an item in the amount of {$900.00} on my credit report. I requested a signed contract validation and allowed 30 days for a response. No response was received which is a violation of FCRA/FDCPA laws. this company is falsely reporting unverified debt on my credit report which is damaging my credit history. A second letter was sent on XX/XX/ which no response has been received as well. This is a very neglectful action from what should be a professional business. This is greatly harming my credit scores and credit worthiness!
my mother, ex uncle in law, and my father in law all received calls from " unknown caller '' they don't say who they are with. They say this message is intended for XXXX XXXX ( I have not been XXXX in 7 years ) they also give an address that I have not lived at for over 3 years. My current address is not hidden. I finally got a voicemail from them today. Number left was XXXX, reference # XXXX. I called the number, was not answered with a name of the company, only a persons name. Transferred to a supervisor who was extremely rude. Telling me it is my fault for not letting XXXX XXXX know I moved 3 years ago. My number has never changed & have not been contacted by them. Nor did I ever receive mail from them, even being forwarded to my new address. I called Midwest Recovery who is on my credit as the collection agency for XXXX XXXX. Talked to a very helpful man who told me that they no longer had the account but that if a company was threatening to serve me with a law suit over a debt and they weren't on my credit that it seems really sketchy. This account was opened in XX/XX/2011. I would have no problems with a settlement amount, however I won't be threatened by a company trying to serve me a law suit for something that I was never notified about.
XX/XX/2018 I did a loan reconsolidating plan with a company called XXXX Premier Student Loan Center and was promised that my student loans would be reconsolidated. However, I've used XXXX XXXX XXXX to manage my account and the money I've paid to the Student Loan Center above mentioned is not reflected in my loan repayment history. I'm quite concerned.
I settled a deb with XXXX XXXX XXXX XXXX XXXX in XXXX 2014. They reported this to the credit reporting agencies. Both Transunion and XXXX do not have updated information on this debt, which should be noted as " legally paid for less than the full amount, settled '' to be fully FCRA compliant, and this should be dated from the time the debt was settled : XXXX 2014. Instead, this shows 'charged off ' and this is showing up as a charge off on successive months on my credit report.
This is compliant is about about the unscrupulous collection practices of SECURITY CREDIT SERVICES reporting collection entries on my XXXX, XXXX, and XXXX credit reports for a debt that I repeatedly contended was not opened by me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), SECURITY CREDIT SERVICES is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for all collection accounts on file both via phone and via my previous compliant to the credit bureaus who then contacted SECURITY CREDIT SERVICES collection agency, but still have yet to receive this information. 
SECURITY CREDIT SERVICES ' failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and clearly they are unable to provide me or the collection agency a copy of verifiable proof. It has been longer than 30 days since my original request and therefore I demand that all collection attempts cease and I demand that all negative entries be REMOVED from my credit reports immediately. I will avail myself of remedies available under the law if this entry remains or this alleged debt is sold to another collector.
XXXX XXXX reported to all three credit bureaus that my XX/XX/XXXX payment was 30 days late. The payment was not 30 days late. My payment was due on XX/XX/XXXX. I paid off the entire account on XX/XX/XXXX. The XXXX payment was 19 days late, not 30 days late as incorrectly reported. XXXX and XXXX have already removed the incorrect information from my credit report. Transunion, however, has refused to remove the incorrect information from my credit report. The representative at TransUnion told me that the creditor can report a thirty day late payment on my credit report any time within a 30-day period. This information is also WRONG. Also, TransUnion has refused to allow me to re-dispute the incorrect information on my credit report.
1. The XXXX XXXX XXXX closed my account without notifying me the decision. And they did this exactly on the day after I emailed them checking about my account opening bonus status.

2. I have completed both requirements for getting the bonus but they simply avoided it by closing my account.

3. They won't reopen my account via phone and didn't give any explanation for why the bonus was forfeited.
This account was suppose to be removed from my credit report due to inaccurate information and I 'm also taking care of it directly with XXXX XXXX XXXX. The account was removed from my transunion report but not my equifax. It is now XXXX XXXX,2017 it 's been over 60 days since I filed this dispute.
I opened a complaint with CFPB about XXXX previously and I am now opening another because my legal rights have been violated. I will be opening a case with the FTC and my attorney. 

After your property is sold, a creditor must tell you these things in a written notice. 
Your debt before the sale. NO How much your property was sold for. NO Your debt after the sale. NO Any expenses of repossession and sale. NO Any credits or rebates owed to you. NO The amount you still owe ( deficiency ) or the amount of extra money you get ( surplus ). NO XXXX DID NOT follow proper notification procedures. I did not receive ANY of the notices they have attached until I filed the complaint with the CFPB. The letter of Deficiency is dated XX/XX/19 2 YEARS AFTER THE SALE OF THE VEHICLE!!! I demand verifiable proof these notification were received by me ( ie. certified mail receipt, signature, delivery confirmation. ) The letter of Intent to sell was sent to one address which was NOT the address the vehicle was recovered from. Flagship sold the vehicle at a " private sale '' with no exact date just a statement the letter that says " sometime after '' which I never received that letter until today XX/XX/19 when they attached it to the complaint. I had reached out several times asking for a letter of Deficiency and was told the information wasn't available. I almost lost my job because I could not get a letter from XXXX. So I am saying there is wrongdoing on XXXX 's part. I am not disputing the vehicle being repossessed but I am saying XXXX failed to properly notify me after the repossession took place.
I had a student loan with Sallie mae in XXXX had a deferment in XXXX for financial hardship. Never received anything after now there taking my eitc income taxes. I still ca n't afford to pay and the department never told me my loan was transferred to someone else. What can I do I can be reached at XXXX XXXX XXXX XXXX
On XXXX/XXXX/2016 at XXXX XXXX at the XXXX, VA XXXX target store located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX one of the cashiers on duty that night completed a target red card in my name and signed that application without my permission while I was paying for the items in the checkout line at the register. As well as she misrepresented the application and, at first, said it was for a target discount coupon card, then after there was a line of people waiting for she came around to the credit card swiper and signed my name without my permission. After I got the target card in the mail at my home address I then told target credit card fraud department about the issue but they did n't resolve the issue at all, do n't return my phone calls and sent me a bill for the credit card I never asked for as well.
I am writing in reference to a debt that I am not responsible for due thru identity theft back in XX/XX/XXXX for XXXX. I have also alerted the three credit reporting agencies and I have placed a fraud alert with all three agencies. On XX/XX/XXXX I  received paper work from XXXX XXXX XXXX XXXX which are attorneys for Midland Funding LLC stating that I am being sued for an account that I have been diligently requesting validity for, at least showing something with my signature ; however, no one has contacted me or sent the requested information. The account number for this XXXX/XXXX XXXX account is XXXX as listed on the three credit reports. 
I currently have several accounts with XXXX XXXX that are current and in good standing and I do not want this to cause a trickle affect to my credit relationship with this creditor. Please, if you will, contact Midland Funding, for they are the listed Plaintiff on the claim, advising that they have not submitted the requested validation information to me proving that this is my account because I have never applied for a XXXX account. Also asking them to please drop the sue for this account is not mine.