WillisBack/dataset-financial-user-claim huggingface dataset:
At the time I purchased the Condo my old last name was XXXX ( I am now married thus my last name is now XXXX ) I purchased a Condo and it is being financed by Citi Mortgage. For many years I was able to maintain on time payments for the Condo as well as the HOA fees. Years afterwards I found myself in a financial hardship due to family issues, I hurt my back and had to miss work and a change of job which had a lower salary. I notified CitiMortgage for a loan modification. After many years and an excessively amount of paperwork they lowered my loan less than a XXXX This was gave me no more relief because I was no longer making the money I had presently been making. So after a year I submitted for another Loan modification, but to no avail. So after much consideration I decided to put it in for a Short Sale. I contacted a XXXX representative named XXXX XXXX and her firm along with XXXX XXXX attempted several times to show and get a buyer for the Condo. At least 3 times we had contracts in and after Citi Mortgage continued to drag there feet and prolong the process each one of the buyers backed out of the contracts. After discussing our other option with our Realtor she informed us that we should contact Citi Mortgage and attempt to get the necessary paperwork to try to do a Deed in Lieu. After many failed attempts to resolve getting rid of the Condo because we can no longer afford this property we are reaching out to you with hopes you can get in contact with them and get us the necessary relief and paperwork to start the process of the Deed in XXXX. Thank you in advance for all your assistance in this extremely urgent and important matter. Also financially we are also now taking care of our XXXX grandkids so we just can not afford the Condo and are trying to save face and just get rid of the Condo respectfully. We do not want to go through a foreclosure so after discussing our legal options we feel this would be best for both parties involved.
I took a loan out from Big Picture loans out of pure desperation. When I accepted the loan it appeared that I would have to pay back the {$600.00} I originally borrowed and a {$210.00} finance charge. Today I thought I was making my last payment but when I logged on it said I had another payment due on XX/XX/XXXX. I called the company and basically all they could tell me is that I have yet to pay on my principal balance and I am paying the {$210.00} finance fee over and over. They offered to settle with me which leads me to believe that they do this often and I am not the only one that finds the terms of this loan misleading. The first settlement offer was for the {$810.00} which is the original {$600.00} I borrowed plus the {$210.00} fiance fee, I said no that does n't work and they offered to lower it to {$600.00} and I again said I could not do that and they offered to settle for {$360.00}. After digging around on the confusing and misleading website, I found that they are charging me 967.591 % interest. That means I owe them around {$3600.00}! The XXXX different women I talked to when I called never mentioned anything about interest, only kept referencing the {$210.00} finance fee that I have paid 4 times now. I understand that they have a business to run and families to feed but this is ridiculous. They are taking advantage of people desperate to make ends meet. I feel totally bamboozled and ripped off. I have no idea what I am going to do.
I received a message of a voicemail from XXXX XXXX  that was left on the former City Manager 's voicemail. I bought his home when he relocated to another city. I'm XXXX, he's XXXX. There is nothing to tie us except the fact that he was the previous owner of the house my wife and I purchased. What gives XXXX XXXX  the right to exploit my personal information to someone like that? It was a XXXX XXXX clothing account!! The lady from XXXX   XXXX who stated she was the collector for XXXX XXXX XXXX even made threats that this man and wife heard also. I do have the number and extension this voicemail came from. This was very disturbing to the previous homeowner who wondered how she even got His number and then tied it to the fact that I bought this house from him. She is liable for giving out my personal information. If the previous owner had never sent the voicemail to me I never would have even known about this. He is a white man who lives almost 3 hours away and is a City Manager in another city. I'm aiming to sue this company for defamation of character.
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , CA  XXXX  PH :  XXXX  I Have tried to resolve this matter but no respond to me nor the BBB are the  XXXX  Credit Bureau. Yet the  Collection Agency  did another inquiry on my Credit Report  XXXX   XXXX    XXXX  .     Although they provided the service for me, they failed to properly bill my insurance carrier, which is  XXXX . Instead, they billed my secondary insurance,  XXXX , which would only pay what  XXXX  does not. I have repeatedly tried to resolve this issue but no avail. Therefore, since it is not my fault for their improper billing with my insurance carriers I hereby disputes this debt in its entirety and demands that you immediately contact your collection agency and cease and desist from your collection efforts and to have your collection agency retract any of adverse reporting to the credit bureau regrading this matter. I was not notify about this bill before you sent it to the collection agency, which show your guilty
Citi has refused to issue a refund check for the overpaid balancing. Their reason is it is under " security investigation '' Truth in lending actregulation Z, 1026.11. a2, Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ;
Capital one added me to an account as a joint account holder without my knowledge and they are refusing to give me anymore details.
I have been paying all XXXX of my Federal student loans, and XXXX Private ones through Navient/XXXX on time for over 8 years now. I owe much more now and had no idea what this was going to do to my loans. I did n't know what Forbearance or deferment was or meant. I was forced into deferment and forbearance when I was on XXXX Leave with no income. It was presented as my only option to keep them " current ''. I sent in my pay-stubs and income based repayment application multiple times to try to lower my payments and was ignored and then denied. I found out they capitalized my interest and principle even though I was only on Forbearance or deferment from XX/XX/XXXX to XX/XX/XXXX ( 2 months ). My interest rates have increased and I do n't understand why. I should have been on a 25 year repayment plan, not 10 with my total loan amount. I feel totally taken advantage of and this this was deceived and miss led into both deferment and forbearance when it was not needed.
In the process of reviewing my credit report and taking care of any old debt, I have tried multiple times to resolve an old account with Midland Credit Management originally held by XXXX Bank ( XXXX ) from 4 years ago. I never received specific merchandise ordered or it was either lost/stolen. I requested that the lost merchandise be removed from my account. It was not. I have never received acknowledgement for a credit. Instead, the account was written off by XXXX XXXX now Bluestem ) and transferred to XXXX, who continued to bill for the merchandise and charge interest even though I requested a credit in 2013. I once again disputed the amount owed and tried to resolve the matter. Once I contacted them, XXXX began contacting me at my employer with letters and calls despite my requests to stop. They also continue to ignore my request to provide a full accounting of merchandise ordered. The only thing I receive is an invoice with an amount due. I am already in a class action suit for XXXX 's poor collection practices. I believe the continued barrage of calls and letters is because any settlement monies I receive, XXXX go to amounts XXXX claims I owe, which I dispute. I work for a law firm, so the continued letters and calls caused an issue with my employer. After continued requests to remove the amount billed for the unreceived merchandise, I am now receiving a barrage of letters to my home, and still no response to my dispute or any offer to settle the matter I have also attempted to resolve direct with XXXX, who refers me back to XXXX XXXX. XXXX 's collection practice, I believe is a violation of fair debt. I want to resolve this matter, but have been unsuccessful and the charges continue to increase.
I have a current Bank of American cc and am working to pay it off. I applied with bank of america for a zero percent cc for a balance transfer. What Bank of America did, was reduce my existing credit line, which then caused my balance owed compared to my credit line available to only have a difference of {$1000.00}. Which then impacts my credit score. They claim I agreed to this disclosure when I applied for the credit card, apparently that is in the same section as not allowing me to sue them either.
I had to call and request that they correct THEIR error and close the recently opened card and transfer back that credit line that they used for the " new '' card, back to my old card. I was required to give them my income-again, even though I provided that to them when I applied for the zero percent cc, not even 2 weeks prior. 

They need to review this practice and correct it-as it impacts consumers credit scores negatively-which then causes interest rates to increase. 

I can not wait to get this credit card paid off and never do business with Bank of America again!!! Their shady and barely ethical business practices need to be investigated & corrected.
The Money Source contacted me about doing a reversed mortgage. They stated they were certified etc., I had the notary come over and even did the credit counseling. Strung me on for 4 months kept saying I would receive funds on my home. Never told me that my student loans would effect me. And they are deferred. So I was lead on for 4 months to believe that I was able to get it. They falsified their information with me, they did not do their diligence in research to see the property was not even FHA/HUD approved! This could have eliminated all hopefulness on my part, believing I was getting my house payment removed from me alleviating stress but put more stress on me.
my problem is with chrysler capital. The day XXXX XXXX, my car XXXX XXXX and was a total loss. the manufacturer does not want to pay and this in court by the Lemon Law. I kept making payments for automatic debits chrysler capital. and they reported that I am 60 days of nonpayment, and my credit under XXXX points which is very bad. I took 3 months in this situation and they just say sorry and I will fix it. THANK YOU VERY MUCH FOR YOUR HELP
credit agencies reporting outdated public records and not my accounts same information 3 times on file, remove all tax liens from file REF # XXXX, REF # XXXX, REF # XXXX
In XXXX of 2016 I was offered an opportunity from Chase to try several products at no or little cost. I requested XXXX XXXX and XXXX XXXX. 
The address and phone number of these two companies is XXXX, FL XXXX XXXX I received one bottle each of these products for four months. I never used these products or opened the bottle. I was not aware that my credit card was charged for these items. 

In XXXX I called the companies and was able to get a refund for the two most  recent bottles shipped. However, the companies refused a refund for the preceding months, in spite of the fact that I offered to return the unopened bottles. 

In XXXX I called my Chase regarding this dispute. I am attaching a copy of the letter which fails to resolve my dispute satisfactorily.
Coinbase has neglected to send back unclaimed funds to my closed wallet account. The amount sent of BTC was {$1600.00} to the following wallet address in two transaction on XX/XX/2018 : XXXX. 

Also, Coinbase has neglected to allow me to withdraw .XXXX BTC due to unauthorized activity on my account causing a chargeback. I attempted to settle the payment anyways to withdraw my funds, but the " payment required '' link does not work and only gives error messages. I have attempted to contact them via email and phone for several weeks and continually get answers not related to my direct question or a response that they will escalate it to a " specialist ''. 

This issue has lasted for 3 months, and they just recently restricted me withdrawing or sending my virtual currency. They currently owe me approximately {$6100.00} between the two issues. I  currently have over {$4500.00} in the account.
Since XXXX of 2013, we have been attempting to save our home from Citimortgage 's repeated attempts to foreclose, despite our best efforts to remand the past due amount, then apply for hardship assistance, then be forced to wait months and months for any answers- We now see that this deceptive and potentially illegal systematic attempt to ensure we can NEVER afford to get caught up is in fact the desired goal and standard operating procedure of Citi in its delinquent mortgage handling. We have been asked to submit over XXXX separate packets of basically the same, highly sensitive and largely unsecure personal information for over XXXX months to Citi and its forclosure attorney under the guise of actually helping us resolve the outstanding debt. Each time we are told some minor detail was forgotten or that a new set of pay stubs, employer verification. etc is needed and the total amount owed keeps rising to a point we can NEVER hope to feasibly afford- all due to the consistent pattern of procrastination and delay by Citi in its '' hardship review '' or underwriting process. Had we been allowed to keep making payments throughout this ordeal- we would be no further than XXXX or XXXX payments behind. As it stands, after Citi illegally cancelled my electronic payments in XXXX 2013 and stopped taking payment ( because they were intent on foreclosure ) since then we owe over {$10000.00} in legal fees, missed payments, etc. in a home we have outgrown and have negative equity in after XXXX years. My american dream, along with my credit have been broken by Citimortgage and it simply is not right and needs to be addressed so others wo n't have to endure the same financial disaster we have been pulled into by Citi. My wife an I are XXXX and have limited earning potential, making it even more difficult to address such a monstrous amount that should NEVER have gotten so high in the first place! Citi is solely responsible for this and should be punished for their malicious and repeated attempts to take away a home for my children!
XXXX sent the doctors bill to XXXX XXXX but sent services bill to collections plus the bill they sent me was missing Provider TIN #, Diagnosis Codes, Procedure codes/Revenue Codes, and several other items which delayed XXXX XXXX settling the bill for months after I finally got the bill sentand it was settled and paid by XXXX XXXX minus my portion-XXXX dollars and I have the proof.I was a victim of Identity Theft also and my address changed also and Ive taken a huge hit due to this hospital bill and related issues due to the Identity Theft.
In XXXX of 2018 I closed a loan with Ditech. The pay off loan was funded on XX/XX/2018 and Ditech didn't close the loan until XX/XX/XXXX. Ditech reported to the credit bureaus a 30 day late payment even though they said it was funded on the XXXX. I contacted Ditech in XXXX when I discovered they had reported a 30 day late payment. They advised me to send the closing documents which showed when the disbursement actually occurred. I emailed to their customer service department the closing documents. I never heard back from them. Now in XXXX, the late payment is still showing on my credit. I called Ditech again, they have no record of my previous call and now I have to fax or mail the closing documents into them. Either way they have falsely submitted a 30 day late payment.
XXXX XXXX accepted a check from my company that was reported lost or stolen. A stop pay had been put on the the check. The XXXX customer closed their account before XXXX   realized the check had a stop pay placed. The XXXX customer is liable for the amount of the check, not my company. The XXXX customer committed fraud.
I applied for the debt default program and set up a card which had {$60.00} on it to make 10 {$5.00} payments over the course of 10 months which was to be automatically debited from my card. they took the payments and on the XXXX and final payment the said my card declined even though i did not us the card for anything other than the purpose of the loan repayment program and they just took my money and did not even attempt to reach me in this matter especially after 10 months and the fact that it was the final payment. when i found out they didnt even allow me to go ahead and make the final payment.
As per Federal Law, the statue of limitations, 7 years, has elapsed on the alleged debts, even should it be ours. It is now ZOMBIE DEBT which under Federal law is illegal to report. Experian must comply with the Fair Credit Reporting Act ( 15 USC 1681 et seq. ) 1 - Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Type Business Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$6400.00} Balance Updated XX/XX/XXXX Credit Limit {$5000.00} Monthly Payment - Past Due Amount {$6400.00} Highest Balance - Terms Revolving Responsibility Individual 2 - Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Type Business Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$3700.00} Balance Updated XX/XX/XXXX Credit Limit {$2800.00} Monthly Payment - Past Due Amount {$3700.00} Terms Revolving XXXX - Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Type Business Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$6600.00} Balance Updated XX/XX/XXXX Credit Limit {$5000.00} Past Due Amount {$6600.00} 4 - Account Name XXXX Account # XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$5200.00} Balance Updated XX/XX/XXXX Credit Limit {$4100.00} Monthly Payment - Past Due Amount {$5200.00} =
On XX/XX/2018 I went to TD Bank to withdraw some money from the ATM. In this TD bank there was an intake vent in between both of the ATM 's which conveniently had 3 very large unprotected holes that were constantly sucking up air. I took out my money from the ATM and by accident dropped money as i was trying to put it in my wallet. The money fell and immediately was sucked up by the vent. Now the vent had a door above it so i went to the teller and told them about the situation. The teller then introduced me to the assistant manager, which sat me down and said " look we know about this issue and have had incidents like this before but the vent leads down to the sewer system so its out of my control and I cant do anything for you ''. I proceded to tell him about the door and he said that they could not open it. I asked why there is No mesh or protective barier put on the vent to stop this from happening and he just repeated that there was nothing they could do and its out of their hands. They actively kbow about this serious issue yet are negligent and people like me are loosing money because they dont want to do anything.
I went through XXXX and they refer me to the XXXX XXXX XXXX to see if they can help us save our home. First XXXX XXXX from XXXX XXXX XXXX said that he can not help us when i explain to him the problem i have with my mortgage. Then he call me back and said that he will try and if it does not work he would refund my first payment of {$1900.00} a mont later i got a email that my claim was denied by my bank [ Chase ] try to contact XXXX XXXX XXXX but no respond, now my bank wants me to pay and i am short the {$1900.00} plus another month is added on to what We owed for our mortgage which is {$13000.00} and we only have {$10000.00} and Chase our bank do not want to accept partial payment.
Equifax mishandled my information, which puts me and thousands of other people at risk. I also mentioned I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Wells Fargo customer submitted a mobile deposit of {$700.00} on XX/XX/2016. On XX/XX/2016 {$700.00} was deducted from customer 's checking account after an online debit card purchase made through amazon. Customer then filed a claim for fraudulent debit card transaction of {$700.00}. Resolution of claim states that the initial check deposited was used in a XXXX deposit ( unbeknownst to the customer ) and the withdrawal made on XX/XX/2016 was an adjustment made to reverse the duplicate mobile deposit. Customer destroyed original paper item used in mobile deposit made XX/XX/2016. While the claim was under investigation, the customer was asked to open a new checking account. When funds were transferred to new account, the fraudulent transaction was erased from customer 's transaction history and account statements. Customer was asked to file a XXXX claim with mobile deposit department instead of debit card transactions department. Customer was never reimbursed for fraudulent charge.
Hi I am with Credit repair and they removing negative Items off my report and the collection place put two of them back on the name of them are Cosumer collection management for XXXX and the other one is XXXX XXXX {$560.00} and {$550.00}
I have requested on three separate occasions that XXXX XXXX XXXX validate the debt they seek to collect. I have requested validation because I believe they are trying to collect an invalid amount and are not reporting my payment history properly. XXXX has failed to respond to my requests to validate the alleged debt owed. I have received numerous communications that request payment of varying amounts. Even after logging complaints with the Consumer Financial Protection Bureau, XXXX has failed to validate the alleged debt. <P/>Most recently I received a letter demanding an amount of 3 times the amount being reported on my credit report. While I do not believe this amount is accurate either, I am trying to show the inconsistencies leading to my demand of validation in order for XXXX to continue reporting this tradeline on my credit report. Pursuant of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act you have an obligation to ensure data being furnished has been verified AND VALIDATED. This complaint is to notify Equifax that XXXX has failed to provide proper validation of the alleged debt and therefore does not have the legal grounds to continue any debt collection efforts including credit reporting.
First, I never signed a contract or owe any money to portfolio Recovery Associates, I have no knowledge of this company other then what has fraudulently been reported on my credit report. In further investigation of this case it appears that they attempted to sue me in a county that first I did not live in nor did I live in it during the time of the original debt. Also the address that they attempted to use as my address was not even a relative of mine. I was never properly notified of any hearings, and even if I had been notified of a hearing the county that they filed had no jurisdiction over the case at hand.