WillisBack/dataset-financial-user-claim huggingface dataset:
I have spoken to many agents and supervisors and because public records says that my phone number does not belong to me nothing I was told is happening. On XX/XX/XXXX I was approved for a credit card. I was told it would be here in two weeks. On XX/XX/XXXX it is still not here. I called to find out what is going on. I was told that it was mailed on XX/XX/XXXX. That is four days after I was approved. A supervisor offered me a second card but because public records state that my phone number is not mine they will not send it. Public records does not keep up with every little change that happens. I do n't even have my card yet and already I am thinking about closing the account. I is stupid that you use a system to verify someone that is not up to date. I should not have to suffer due to something that is not my fault. Information that is put on an application is what should be verified not public records. I do n't even have my account number to do anything with.
well I went on karma credit .com to check my credit report, and I seen on it that they had a judgement against me saying that I owe a balance of XXXX.well That 's the frist of every seeing that on my credit report. I have no knowledge of this credit person named XXXX : I do n't know who this person is, and of course I surely do n't owe anyone The Balance of XXXX so That 's why I 'm disputeing this on my credit report. I would like this removed off my credit report, as soon as poosible.because I do n't have any knowledge of this said account. thank you. XXXX
Received a notice on my credit report that a collection from Commonwealth financial systems was added to my account stating that I owed {$80.00} on an account. I had not received anything in the mail or spoken to anyone about this collection. I called the debt collector and spoke with XXXX XXXX and asked for Validity of the account. The representative stated he will be glad to send it to me. I received the information in the mail, with the letter being dated for XX/XX/XXXX, it did not show validity of the account only stating what I owed. From my research this company is not bonded to collect in the state of Texas. I pursued on XX/XX/XXXX to contact XXXX on this matter. I asked for the Bond number but XXXX stated that he did not have to give me that information, that it had nothing to do with me. He continuously repeated that they are bonded in the state of Texas and that is why they are contacting me but still refused to give me the information that I asked. I even asked if it could be under a different name, he said that this matter did not concern me and told me to have a nice day. From my research Commonwealth Financial Systems is not bonded in the state of Texas.
I apologize for having to intrude on your valuable time with this matter. I do so as a last resort having exhausted all customary channels with the local representatives at Citizens Bank. 
I had XXXX IRA CD 's at XXXX ( XXXX ) maturing in XXXX. In XXXX I received XXXX Maturity Notices from XXXX showing the maturity dates and details of the XXXX CD 's. At about the same time I also received a solicitation in the mail from Citizens promoting a 15 month 1.5 % CD. I visited the local XXXX NY branch of Citizens bringing the letters from XXXX and the advertisement I received from Citizens. I met with XXXX XXXX XXXX. I explained to him that, although I would be out of town, it was my desire to transfer the XXXX CD maturity proceeds to Citizens when they matured. XXXX XXXX XXXX said that he could collect the proceeds from XXXX upon maturity of the CD 's to fund the new CD at Citizens. We agreed, XXXX XXXX XXXX made copies of the letters from XXXX and he completed the necessary transfer forms while making several phone calls to get instructions on how to fill out the forms. I signed the form as he requested. 
Upon my return home several weeks later, I was surprised to find a mail notification from XXXX advising that the proceeds were transferred prior to maturity, resulting in an early withdrawal penalty of {$2400.00}. XXXX XXXX XXXX erroneously processed the transfer requests immediately, approximately 5 days and 13 days before maturity. He did not wait until after the maturity dates as he agreed to do. The early transfers resulted in a {$2400.00} penalty to the CD balance plus a {$370.00} tax liability. The original XXXX CD rates were 3.25 % and 3.44 %, much higher than the 1.5 % rate I received upon transfer to Citizens, so there was no incentive to transfer the CDs to a lower rate before maturity. 
I am requesting that Citizens Bank make me whole by reimbursing me for the loss I sustained as a result of Citizens Bank failure to follow my instructions.
Beginning approximately XXXX XXXX, 2017, I have been receiving harassing " robocalls '' calls TWICE DAILY by Penn Credit Corporation 's number XXXX for a person that has NEVER lived at my residence nor do I know the whereabouts of this person that they are calling for ( XXXX XXXX ).

They asked me to contact this person to ask her to contact them to discuss her debt-related issues with them. I am not legally responsible for this person 's debts and I am not legally permitted to discuss this person 's debts anyway since I am not related to this person. I do not know her whereabouts and this person has NEVER lived at my residence.

I have attempted to call them back but have not been able to get a live person and their automated menu does not allow me to ask for customer service to request that they cease and desist their robocalls because the person they are asking for does NOT live at my residence and I do not know the whereabouts of this person they are calling for.

They are now violating the Fair Debt Collection Protection Act ( FDCPA ) by : 1 ) Repeatedly calling daily when this person they are attempting to reach has never lived at my residence and I have no information as to the whereabouts of this person.

2 ) I am not party to the debt-related issues that Penn Credit is trying to discuss with this " XXXX XXXX '' as I am not related to this person whatsoever.
My property has been in foreclosure for XXXX years now. My property was vacated in XXXX of XXXX due to a safety issue XXXX. I took immediate action to relocate her to safety, XXXX and vacated my property that I have owned since XXXX. I am currently renting a property in XXXX, NY. Over that time period I have submitted multiple packets requesting a short sale and several loan modifications to GMAC Mortgage and now Ocwen Loan Servicing LLC which are the mortgage holders. All of my requests have been denied. XXXX Supporting documentation is available to substantiate this ) Over the past XXXX years, I have had my home on the housing market XXXX, have attempted to rent the property, applied for several loan modifications, even moving back into my home for a period of time as I was initially denied a modification due to non-owner occupancy. Subsequent to that denial, I submitted another modification request and was once again denied. On XXXX XXXX, XXXX, I attended a court appearance regarding the foreclosure and at that time requested to pursue a Deed-in-lieu option as all other options have been exhausted. I was granted permission to pursue the Deed in Lieu in XXXX XXXX Supreme Court. I submitted the Deed in Lieu request in XXXX XXXX. Ocwen Loan Servicing LLC did not communicate with me during that time to inform me that the process could not be completed due to a lien on my property. Due to this, the Deed in Lieu process expired. I satisfied the lien on the property and then re-applied for the Deed In Lieu in XXXX XXXX. Since that time I have maintained regular contact with my relationship manager, XXXX XXXX at Ocwen XXXX XXXX XXXX. I continue to receive letters from Ocwen Loan Servicing LLC stating that the process has been delayed with no specification as to why. I am being told by the relationship manager department that " The borrower has signed off on the Deed In Lieu and that they are awaiting on the attorney for further action. '' This has been the status for almost XXXX months now. As a homeowner of this property since XXXX, I feel that I have made due diligence to exhaust all possible options to salvage the situation. I have not received timely responses from this mortgage company throughout the process and do not receive returned phone calls from the attorney or negotiators assigned to this case when I attempt to get clarification as to what is happening. Please help me to resolve this situation as I can not attempt to rebuild my credit without resolution.
On XXXX/XXXXXX/XX/2015 MCM willfully withdrew {$100.00} dollars from my husband 's joint account, when I had called two days prior and told them I had no income, I was XXXX and had lost my job, the rep assured me that they were not going to take any money, and they did. This account receives direct deposit from social security retirement, this is all the money we had to survive on for a whole month. My husband does not owe MCM any monies, nor did he incurred this debt, I did, when we were divorced. I had given them permission to withdraw money while I was working, because they threatened to sue me for not paying them this very old debt, they demanded a specific date for payment, and the only date available to pay was on the XXXX of each month when there was money from his social security available to pay this debt. I would then transfer money from my own account to his when I got paid. They also have refused to correct my name on their account, they have included my husband in my own personal debt, and have altered my husband 's name without legal authority. Please help me solve this situation against MCM.Thank you
Yes, my payment due date is the XXXX of every month on this card and new statement period is created three days after the due date. However, for the month of XXXX XXXX, I was told that that can speed it up, and that the statement period was reduce to begin on the XXXX of XXXX XXXX. I contacted customer service and they said they are doing this only for the holidays and that they have every right to do so. Is this legal? I also made two purchases on XXXX ( how could this be XXXX that are still pending. This is illegal. I had no prior notice of this.
In early XX/XX/XXXX I received a notice from XXXX XXXX that my account was closed sue to a payment that was " returned due to Customer Advises Not Authorized ''. The letter was dated XX/XX/XXXX. I have two homes and this mail was sent to my home that I was not back to until early XXXX. Normally my mail is forwarded but this letter did not arrive at my alternate address. I had no idea the payment was declined and not authorized. While I was traveling in XXXX my Bank declined several charges on my account because of transactions that were out of my pattern of spending. I had no idea this payment had been declined. As soon as I got the notice I called XXXX to pay the full balance to avoid a bad report on my credit. On XX/XX/XXXX they accepted a phone payment of {$370.00} to pay the balance in full. This transaction is on my Bank Statement as being processed by XXXX XXXX XXXX onXX/XX/XXXX and they assured me it would not reflect negatively on my account. Subsequently I was contacted by XXXX XXXX XXXX. I explained the situation and they said I still had to pay them because the account had been turned over to them to handle. I order to settle the matter I paid XXXX the {$370.00} by phone on XX/XX/XXXX. That is reflected on my Bank statement onXX/XX/XXXX. As you can see I paid this balance TWICE! I thought the matter was settled until I recently applied for a credit card - the first time since this incident. I was turned down and got a copy of my credit report and discover that XXXX is reporting my account as " Charge off '' but the details show the {$370.00} was paid. In another area they report " Purchased by another lender ''. XXXX shows the account as paid and I have a letter from them stating that it would be reported as paid and closed. When I talk to the Experian they refer me to XXXX. They have nothing in their records until I press the matter and ask for a supervisor - they they find the details and refer me to XXXX. When I talk to XXXX they refer me to XXXX. I have paid this account off twice and should not have it on my Credit report that it was charged off. I have made two disputes to this to no avail and have started another. I have supplied Experian with all of the information. XXXX is NO HELP AT ALL.
I opened up a store credit card at Old Navy which uses Synchrony Bank for their cards, I feel that they intentionally held my check which was sent easily before the due date in XXXX 2016 for the full balance of {$27.00}, in order to charge late fees and now interest on top of late fees, ... since this happened in XXXX 2016, they continue to add late fees every single month on top of interest charges, and I refuse to pay this since I paid for all the items I purchased at the store in full. If you look at my credit report, you will see that I have never really ever paid interest on credit cards for the last twenty years of my credit history, since I pay them off every month in full, and so it is clear that this is a blatant effort on the part of Synchrony Bank to try to profit even further from my credit account ( and probably other consumers too ), this is an egregious and predatory practice that needs to stop! My credit rating should not be affected by the credit law violations of this lender. Now it appears that they want XXXX dollars from me just for late fees and interest charges, when I paid for all the merchandise from the store in full, and on time.. I even attempted to go in to the store to make a payment, but the Old Navy store reps stated they do not accept credit payments there, so I just waited for my card statement to arrive by mail, and then sent it in on time ( even though by the time I received the balance due statement by mail it was very, VERY close to the due date- another predatory practice ), I feel that they hung on to my check I sent to them just long enough to be able to charge late fees, which I absolutely and unequivocally refuse to pay. I tried contacting customer service about this on several occasions, they would not remove the charges, and on two different calls with them they proceeded to give me two separate numbers to contact for dispute resolution ( XXXX the first time, and the 2nd time the number given was XXXX, ..but if you were to try calling these, both of these numbers are not valid or working numbers which further shows what kind of lender this is. ) Attached are copies of my payments in full and the statements they send showing erroneous late fees and interest. Thank you for the help in this matter.
On XXXX2017 I contacted XXXX XXXX ; the new company name of Nationstar Mortgage. While Nationstar Mortgage, I accessed my online account and opted out of all marketing offers ( mail, email and calls ) from both Nationstar and their partners. They were very aggressive in their marketing efforts ( multiple calls requesting I return calls only to find out it was a sales call, priority deliveries of refinancing sales flyers which interrupted my work day at least weekly if not more often ), etc. 

The onslaught restarted when XXXX XXXX replaced Nationstar. I again accessed my account through XXXX XXXX to reset my communication preferences only to find they do not offer that via their website. So I called and requested the marketing from XXXX XXXX and their marketing partners cease. I received a confirmation of my cease and desist request in a letter dated XXXX from XXXX XXXX stating that I would now not receive ANY communications ( sales or account management ) from their company ( ie - account problem emails, escrow payments, etc ) as I do not agree to receive their sales communications. I really do n't feel that if I refuse their marketing, I am refused communication regarding my account ( except the monthly bill ) and that was not my original request -
I am disputing the credit information being reported on my credit record by : WELLS FARGO DLR SVC/ almost {$5000.00} CHARGE-OFFXXXX XXXX BUREAU XXXX, XXXX are reporting this as an involuntary repossession on XXXX 2015. 
We requested a voluntary surrender of the vehicle as we had a job layoff that affected our monthly income, but they did not provide us with information to do so. They claimed to have sent us the information, but we did not receive it even after repeated attempts and multiple conversations via phone with multiple departments and persons. They finally sent us paperwork and had the vehicle picked up for months later and then reported it as an involuntary repossession instead of a voluntary surrender and undersold the vehicle for less than its current value. 
We had to spend extensive time chasing them down for a voluntary surrender, had to store the vehicle until they sold it, maintain insurance coverage and vehicle tags for four months, and am now suffering defamation of character ( involuntary repossession is totally different than voluntary surrender ). Being a middle-aged, XXXX female, I resent having to call to attention false statements and unethical practices that border the grey edges of legal practices such as this that insult my intellectual abilities, defame my character, and threaten my ability to attempt to reenter the workplace, obtain housing, and/or improve my credit status to better myself.
i bought the card at dollar general on   XX/XX/XXXX     and they put a hold on the card and i was trying to use the card to rent a uhaul to move and thet wouldnt take the hold off. i was calling how many days in a row and they still didnt wan na take the hold off the car. so the  one  day i called and told the company i demanded the {$500.00} sent in a check on   XX/XX/XXXX     and they said i would receive the check XX/XX/XXXX and i still didnt receive it. i gave them  3  extra days and called on the  8th  and they said i had to wait more  3-5  days for them to track the check and i called today the  11th  and they still told me i had to wait. im very irritated with this company.
XXXXXXXX XXXX XXXX  is reporting on all 3 of my credit reports for a balance of {$2500.00} I never opened this account and it must be removed from all credit reporting agencies
EQUIFAX AND XXXX " CRA '' REPORTING VARIOUS ID FRAUD ACCOUNTS NOT MINES : PUBLIC RECORDS, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX..DEMAND REMOVE ALL FROM CREDIT FILE ASAP
I have a student loan with Navient and was told that my enrollment in a rate reduction based on my lower income situation was set to expire. When I contacted Navient and explained that I was in lay off status from my seasonal job with the XXXX XXXX XXXX, was married and responsible for XXXX children, and could not afford to have my payments doubled, the representative acccused me of lying and asked if I was getting some other income, I requested to speak with a supervisor, who told me they do not offer any such thing as an income based rate reduction and that a decision to approve or deny my request was based on a Navient representatives personal discretion.
I have received a couple of letters from " Applied Business Services, Inc '' claiming they are a " Security Collection Agency '' that is stepping in to secure medical payments for XXXX XXXX Urgent Care from me. 

I do n't believe these letters are legit, because the Urgent Care I visited has my credit card information on file, and I have never received a bill from them.
Credit Reporting Agency fails to removed inaccurate account from my credit report. 

There is an account with Enterprise Recovery Systems which began reporting on XXXX 2015, and have been reporting ever since to day. The problem is I was in a no assest based Chapter XXXX bankruptcy that was discharged on XXXX. This debt is from XXXX, and the Credit Reporting agency refuses to delete. 

This debt ca n't be assigned to Enterprise Recovery system on XXXX if all debts were discharged on XXXX. Thus Enterprise Recovery Systems has no collection authority on a discharged debt nor can they be assigned an already discharged debt. 

I have disputed with both the credit reporting agency, and enterprise recovery system and they are refusing to delete.
In XX/XX/2018 I sent a certified letter to Equifax XXXX XXXX XXXX, requesting they investigate inquiries which had no account 's attached to them and no permissible purpose. 


on XX/XX/2018, I received a computer generated letter from Equifax stating that they sent the creditors an electronic request for information and thereby confirming the complaint. 
In XX/XX/2018, I resent Equifax another request demanding they reinvestigate my original request Under the FCRA section 609 ( a ) ( 1 ) ( A ) to provide me with the following information, 1 ) written proof that I applied for that credit line 2 ) who they spoke with 3 ) How did they verify the information 4 ) what permissible purpose was provided On XX/XX/2018, I received a computer generated letter from Equifax stating the sent out an electronic message and verified the information. I feel that another letter will have little to no effect with this company in resolving this matter.
We initiated a Wire Transfer through their Online System Their Online System required us to Enter the Account and Wire Info Twice to Confirm Since we entered Twice and we confirmed the Information - We were Confident it was correct. 

We received a Phone call from the Bank - that they wanted us to Verbally Confirm it again - We asked why, their Response is because they Manually type it and they want to make sure they type it right. We were Driving at the time and did not have the information with us ... .. We assured them since their system Required us to Input it twice - that we were confident that the information we provided was accurate. That if they were going to input the number incorrectly from us typing it, what would stop them to input incorrectly if we verbally give it a third time. That the reason we chose to pay a {$25.00} fee and do the wire transfer is that the money was needed immediately in the other account. They Refused to do the Transfer and instead transferred us to a " Customer Advocate '' at which she did nothing but immediately transfer us to a Customer Service Manager - at which time our call was disconnected during the Transfer ... ..

The above info - is more the background of why they could not do the Transfer. It is their Policy even though it does not make sense. But because this is their policy - We will be closing our accounts - Business and Personal and moving them to a Local bank. 

Where our problem is - Even though they refused to do the Transfer - They Deducted the {$2500.00} from our Balance and the {$25.00} Fee - So we have had No Access to the Funds ... .. And technically they have taken our money! 

We want XXXX XXXXCapital One - to immediately return the {$2500.00} to our account!!