WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Madam/Sir : [ Today 's date XXXX/XXXX/2015 ] Today, I contacted Seterus, Inc. by phone ( XXXX ), to request a copy of my current monthly statement, which reflects all of the missed payments up to the currnt date. I usually login into my account online to obtain any information I need, but because the last statement reflected on my account, as of today, was not current ( only went up to XXXX 2015 ) I was forced to call to request the information by phone, expecting it would be mailed. 

The first representative I spoke to told me that I would not be able to receive a current statement that lists the outstanding monthly amounts because I was automatically opted out of receiving monthly statements and placed into a category of borrowers who now only receive coupon payment vouchers. This is not a request that I personally made, but that Seterus placed me in. I proceeded to ask the representative for a copy of my current monthly statement, but he refused to process the request. He stated that he needed to know why I wanted a copy of my account. I explained I needed an accurate record of all missed payments. He refused to process my request. I asked that he transfer me to his manager. 

His manager, XXXX XXXX, was placed on the phone. At the start of the conversation he explained that Seterus could provide a statement, but could not provide a letter. I said that a statement would be fine, as long as it provided the amount I owe of the missed monthly payments. He then began to ask questions on why I needed the statement and what it was being used for. I explained that it was for my records so that I could confirm the exact amount owed in order to bring my acount current. He then began to create reasons he thought on why I needed the statement. I explained I needed an accurate record in writing. I told him that I have always received statements. I am not sure why Seterus would cancel my ability to receive paper statements without my consent. XXXX . XXXX, the Manager then said that it was Seterus ' perrogative to do as they choose. When I told XXXX . XXXX that I now have all of the information I need to discuss this matter with the proper authorities and that I was happy the call was being recorded, he then said that Seterus could provide me with the letter with my account information, but that it would have to be requested from a department called " Correspondence ''. The address provided was : XXXX XXXX XXXX, XXXX, CT XXXX. He said it would take 30 days to process the request. 

I was refused a copy of my current statement and told that this information was inaccessible to me at this time. The explanation provided was that I have been placed in a category of borrowers who have been forced to receive coupon vouchers without their consent. I just want a current copy of my montly statement.
The problem is with Discover bank debit card. It is going for 6 weeks and not yet resolved. Every time I call they are not able to give me any time estimate for the resolution. Each time they tell me that finance department is working on it. There are 2 transactions dated XXXX/XXXX/2016 in the amounts of {$4.00} and {$4.00}. These are not valid transactions. They are not able to give any information on these transactions. 
Their phone number is XXXX. My last contact was with supervisor XXXX. The debit card is associated with checking account that ends in XXXX.
On XXXX XXXX, 2015 I received immediate retaliation because I went to local branch to ask my stolen funds as I reported to CFPB before. The interest earning on my account dropped from 1.1 % to zero percent. On XXXX XXXX, 2015 I was called by Capital One representative regarding lost interest {$6.00} on my account from XXXX XXXX, 2015 to XXXX XXXX, 2015. Because I reported the previous theft activities causing me the loss {$68000.00}, {$1100.00} interest, {$30.00} transpotation expense to go to branch 3 times, and {$200.00} per hour to collect this debt. I received immediate retaliation from the bank to drop my interest earning from 1.1 % to zero percent. I reported immediately. I was told XXXX times by the bank representative on XXXX XXXX, XXXX XXXX, and XXXX XXXX, 2015 regarding this credit. But it was never posted on my account. This bank also provided deceptive advertising on promotional offer {$250.00} for business checking account. I have completed all requirement according to promotional offer. I have sent a request to their customer service. But I never heard anything back regarding how they are going to pay. Now this bank owe me total : {$70000.00} plus {$200.00} per hour to collect this debt ( {$2000.00} ). Now I spent at least XXXX hours on this matter. Plus I suffer severe anxiety caused by this theft complaint.
I received a 0 % APR offer for 15 months on balance transfers with a 4 % transfer fee from XXXX, I took this offer to the XXXX branch of Fifth-Third bank and ask if they could match it. I stated I would rather deal with a bank with local branches that I also have a credit card from. The banker put in the request and I received the same offer, with checks, in the mail a week later from Fifth-Third. I went to use this check to transfer a balance from XXXX, the check was accepted on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX the balance was reaccredited to the XXXX account with a bad check fee assessed. I went to the XXXX Fifth-Third Bank branch to question why the Balance transfer was not applied, I was told those checks were for a credit card that was issued in XXXX and never activated with my mother listed as a co-signer on the account. I had removed my mother as a co-signer on my credit card in XXXX when an old credit card got hacked and I had to get the Fifth-Third card re-issued. I asked the banker and her manager from the XXXX XXXX, over the phone, why I was receiving the balance transfer offer at my apartment for an inactive credit card from XXXX and why the check was accepted initially at XXXX. This is a very shady practice, I had to then confirm the this account was indeed closed and had to complain until the Fifth-Third banker called XXXX to get the bad check fee removed. I then asked for the same balance transfer, that the old inactive credit card from XXXX received, and was told only the marketing department could extend those offers. I then had the Fifth-Third banker call the marketing department and was told they have no control over this and was given the run around with no apology besides " that is how the business is run ''. This was both insensitive and rude. The manger then told me I could only receive the balance transfer offer if I open a NEW credit card, but would have to close my older account which has a much longer, 9+ years, of established credit history. I told them this was unacceptable and was reporting this to the XXXX and Consumer Financial Protection Board.
ON XX/XX/XXXX WE VACATED A PROPERTY LOCATED AT XXXX XXXX XXXX XXXX IN XXXX XXXX NJ. ON THIS DATE IT WAS INSPECTED AND PHOTOGRAPHED AND MET WITH THE STANDARDS OF XXXX FOR A DEED IN LIEU. 
THE SERVICER WAS SETARUS AND THE RELOCATION AMOUNT WAS XXXX. 
THIS WAS THE AMOUNT OFFERED AS THE PROPERTY WAS LOCATED IN NJ AND WAS CONSIDERED A HARDEST HIT STATE. THE FINAL TRANSFER PAPERWORK WAS EXECUTED ON XX/XX/XXXX. WE WERE SUPPOSED TO RECEIVE THE XXXX CHECK WITHIN 30 DAYS. TODAY IS XX/XX/XXXX WE STILL HAVE NOT RECEIVED THE CHECK. I CALLED SETARUS TODAY AND WAS TOLD THEY MAILED A CHECK FOR XXXX YESTERDAY. WE WERE PROMISED XXXX NOT XXXX. I FEEL SETERUS DEFRAUDED US OUT OF XXXX.
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
I received a letter  from Sams Mastercard serviced by Synchrony Bank yesterday,   XXXX  /17 stating they will be closing my account.    This company first lowered my limit a few months ago and now they plan on closing it by months end, which is around the  XXXX  of the month.   I contacted them today on  XXXX / XXXX / 17  to explain to them to please look at my payment history as I 'm a good payor, have never defaulted or have been late. They did n't even care, they explained to me to reapply once account is closed. I 'm trying to prevent it from being closed.   I have  XXXX  other accounts wit h Synchrony and they are doing the same thing. They start lowering limits eventually leading to closure.
I have four hard inquiries on my credit report that should not be there. These inquiries are here due to inquiry issue! I would like them removed. 

XXXX, supposed inquiry date : XX/XX/XXXX XXXX : supposed inquiry date : XX/XX/XXXX XXXX XXXX XXXX supposed inquiry date : XX/XX/XXXX XXXX XXXX Supposed inquiry date : XX/XX/XXXX
XXXX XXXX Received notification from SouthwestCredit, XXXX XXXX XXXX, Suite XXXX, XXXX, TX XXXX for collection of an alleged debt {$93.00} from XXXX for an account number that is unknown to me. In XXXX XXXX received notification from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX for collection of an alleged debt in the amount of, you guessed it, {$93.00} from XXXX for a different account number that is unknown to me. In both cases, I have contacted XXXX XXXX and have been advised that all accounts associated with my name are in good standing and that they have not placed the debt for collection. I have sent letters disputing debt and citing violation of Fair Credit Reporting Act. I am fed up with this! I ca n't even count the number of telephone calls we have received from " debt collectors '' and " credit card services ''. I have complained, and complained, and complained!
Discover Financial Services has an 10 % Cashback Bonus when discover card is used to pay using XXXX for in-store purchases. When I tried to use the eligible card at an XXXX XXXX XXXX store, the charge got declined. When I called Discover customer service, they advised me to use physical card instead and then call customer service to get the 10 % Cashback bonus. I did just that! 
However, later when I called them they to refused to honor the promise and only offered XXXX points as a courtesy ( equivalent of {$10.00} ). The 10 % cashback bonus on that purchase would have been {$40.00} dollars.
I disputed 23 inquiries and a chapter XXXX from XXXX Alabama with XXXX. I have done my research and suggest XXXX do the same. Over half of these inquiries were done online and in Alabama. This is the letter XXXX  sent me. Let me share this i flew to Alabama to see a investigator in refrence to Fraudulent Activities on my credit report. As a result somebody in Alabama did this. At the time i was there i visited the court house in refrence to this matter. The clerk advised to call the reporting credit bureau .they didnt report. XXXX  see my cards from detective in Alabama .Please remove these inquuries and chapter XXXX immediately. I have Nevada id from XX/XX/2012 to present. Unless my name is XXXX. There is no earthly way i reside in 2 states and work a full time job in Nevada for over 5 years. Final attempt before i hire a attorney and file suit. For damaging my credit.
Flag star bank took over a year to give us a modification. It caused us to go from being only XXXX pmts behind to over XXXX pmts behind. Therefore the modification pmt they gave us is higher than our original payment was. Now since I had a XXXX and went on XXXX I lost almost all my income. How do you make a higher pmt with less income. In a years time we had to submit a whole package twice due to their Neglegance. They are not giving us a reasonable payment and it 's because of them taking over a year to give us a modification payment with higher principal balance because of them. I need someone to help us keep our home at lower payment. They also included late fees.
I have recently been informed that there is negative information reported by IC System in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I have three amounts owed of {$260.00}, {$280.00}, and {$100.00} as charged-off. The account is showing a balance along with the past due amounts of {$260.00}, {$280.00}, and {$100.00}. This is incorrect reporting. Please delete these accounts. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with IC System and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
In XXXX of 2015 we were offered an American Express Preferred Cash card which included an offer to give us a statement credit of {$150.00} if we spent more than {$1000.00} in the first three months. We spent well over that amount. We are now two months past the first three months and have not received the statement credit that was promised. We contacted American Express multiple times and have always been told that we will receive the credit the following month. This last time, we asked to talk to a supervisor who told us that they saw no evidence of us being offered the {$150.00} statement credit. They told us they would investigate it but it would take months for them to get back to us. 
American Express is clearly committing Fraud by offering a promotion to get consumers to pay {$75.00} upfront for a card, ( like we did ) and then not honoring the offer. We have filed a formal complaint with the XXXX and the Florida State 's Attorney General 's offic. 
We will never again do business with American Express and feel they should be investigated for fraudulent consumer practices.
Company was notified that debt was not mine, I requested debt validation and still no response. I never entered a contract with this company. In fact they have  XXXX  accounts linked with the same account number on my credit report. Its unauthorized
I was not allowed to link my account to an online exchange. The reason I was given was that the online business was not FDIC insured. I believe it should be my choice to link my account with whoever I wish because it is my money.
I have asked every month since XX/XX/2018 via letter for proof of a {$360.00} debt with XXXX XXXX XXXX and have not received one piece of documentation yet each credit reporting agency responds as debt validated. 
I have also requested since XX/XX/2018 via letter the original signed agreement for a {$230.00} XXXX XXXX debt that all three credit bureaus are reporting and have yet to receive it. They just send me a statement of account which doesnt prove the debt is mine. This XXXX  XXXX debt is a secured credit card. Per their customer agreement online, the security deposit should be forfeited to cover the debt which makes the amount they are reporting incorrect.
On the  XXXX   XXXX   2016,   XXXX  $ were debited on my account on a ATM with the code of my card in  XXXX   XXXX .   First of all, I had my card with me the before and the day it happened. I have never been to  XXXX   XXXX  and I do n't even have my driver licence and I ca n't rent a car.   I was at m y   XXXX    school this day, and I have a letter that certifies that I was in  XXXX   XXXX  this day.     After few reflexions, I think what happened was that I 've been to an AT M ( w here I 've been few times ) and this ATM copied my data ( the number of the card and the code ) and copied the card with the number and the code.     I had explain this many times to Bank of America, by phone call and letters and they always said that my case ca n't be refund because they have the number and the code of my debit card.
Predatory lending practices, deceitful, fraudulent. Interest designed to keep you in debt for life.
Barclays closed my Wyndham Rewards card out of the blue. I had paid the annual fee of {$69.00} 3 months before closure and now I can not reap the rewards of this annual-fee credit card.
Date : XX/XX/XXXX To Whom It May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. And correct my personal information As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been living here since XX/XX/XXXX Please update my personal number to my credit profile XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, HOMESTEAD, FL XXXX - REPORTED XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX this is an old address ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXXI have also please delete not my address included the following minimum XXXX proofs of my current mailing address Sincerely, Name : XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I am XXXX and actively seeking a mortgage to buy a house to lower my living expenses dramatically.
I recently discovered that I was being billed for credit monitoring with Trans Union and have paid for it at least twice but have never received any information as to what it is and how to access it. In fact I am unable to log into any kind of account with Trans Union and have attempted to call them but have gotten no response or help and it seems like they make it hard to get in touch with them to cancel. 
I am also upset because they are reporting an account incorrectly and are harming my credit scores greatly by erroneously reporting a current and active account as closed by the grantor ( XXXX ) This account is open with a zero balance and have verified that information several times and they have no idea why its being reported as such. My scores have dropped 50 points and am both angry and confused as to why they victimize consumers like me who are trying to survive by paying bills on time and expect it to be reported as such.
I wanted to payoff loan and showed balance of XXXX. I went to the local store to payoff and they were charging me over {$100.00} more than the balance owed. I called the following day to corporate office and still had to pay over {$100.00} to close the account but was still less than what the local office was charging and it was said to me if they wouldve closed it the day i had gone the local office the interest wouldve been even less to payoff. Ive been paying this loan for over 4 yrs and have been called to renew several times after I said no! Ive been getting calls to renew and take home {$1500.00} but as I looked back I would have to pay more than triple that amount. They make nearly impossible to payoff and close account.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
A representative of Evergreen Financial Services, who called herself XXXX XXXX, called my place of employment during business hours. Until this date, I had no prior knowledge of any outstanding balance. She was very aggressive and demanding that this issue be resolved. I told her if this was a valid balance owed, I would look into it and resolve the issue as soon as possible. She asked me questions like how much is my income, where is my current street address, which I do not give out to any stranger over the phone. She became agitated and kept repeating the same thing over and over, as if I were to resolve the debt immediately, meanwhile I am trying to conduct business at work. I have no problem clearing this debt, but with such unprofessional business practices, the last thing I want to do is send Evergreen Financial Services money.
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site  if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
I currently have a mortgage with Wells Fargo. The mortgage is currently 9 years old. I phoned the company and asked them to remove PMI due to time paying into the mortgage. They said I have to pay until XX/XX/2019. XXXX note with XXXX owed. 
Perfect payment history. Loan was absorbed from XXXX.
I have an account which was a medical debt with XXXX XXXX XXXX that 's completely paid off but has not been removed from my account.