WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage company sold my loan to PNC mortgage in XX/XX/XXXX. My original contract which was signed when I purchased my home states I will agree to carry flood insurance to cover the outstanding balance of my loan for the life of my loan. When my mortgage was sold to PNC Mortgage they told me this was not sufficient and I would need to increase my coverage to include the replacement value of my property or they would purchase it for me. I feel PNC mortgage has changed the original agreement of my loan after purchasing it from United Wholesale Mortgage. I sent them a letter explaining the situation but they continue to send me responses that I need to increase my flood insurance coverage. At one point PNC mortgage 's insurance department insisted I had only {$60000.00} worth of coverage and would need {$180000.00} worth of coverage when my insurance company sent them several documents reporting my coverage at {$110000.00} which is the amount which I have always had for coverage since the purchase of the property in XX/XX/XXXX. I feel this may be due to a kickback situation.
I had a bank account charged off with XXXX XXXX. Transworld Systems Inc. did not report to XXXX that I had paid in full/and or the complete disclosure of dates and/or amounts paid by me. It has been three years since I settled this matter and it is damaged my check reporting agency score all this time.
I paid off my mortgage the beginning of last XXXX. I can not get them to respond with my request for copies of the loan paid documents nor have the deed transferred to my name.
On XX/XX/XXXX my father tried to send me money through Western Union in the amount of XXXX dollars. It was on hold ... then it was available. I went to XXXX 's in XXXX after XXXX XXXX CST ... to pick it up and Western Union reneged and put the transfer back on hold ... 

Today..My father went to go and get his refund ... the cashier at the XXXX XXXX in XXXX where he lives and they say there's no information ... meaning they are holding his cash! 

Western Union does not answer calls on their XXXX number ... they are of no help! 

My father has a XXXX XXXX and this whole ordeal is making him sick!
Vehicle was repossessed on XX/XX/2018, two weeks after a partial payment was made and applied to the account. There was also a full payment made and pending on the account the same day the vehicle was repossessed. I never received a letter with instructions on how to how to send remaining payment, as required per state law, but the account was brought back current on XX/XX/2018, via the payment method I always use and released the same day after a very lengthy 45 minute call ( which included calling my bank to verify all of the funds submitted were not in the process of being canceled ). 

On XX/XX/2018 and XX/XX/2018, XXXX reported to all of the major credit bureaus that this account was last updated with a payment made on XX/XX/2018, the account status is Involuntary Repossession and they closed the account. The account is in fact current and the due date effective XX/XX/2018 and XX/XX/2018 is XX/XX/2018. Also, I am showing that for the entire term of the loan ALL payments have applied soley to interest only.
I applied for the Citi AAdvantage Executive Mastercard on XXXX XXXX. My application went to pending status so on XXXX XXXX I called in to provide some additional information and shifted my credit lines to open the new account. On this call I confirmed with the Citi representative that I was eligible and and would receive the offer of XXXX AAdvantage miles after spending {$5000.00} on my new card. The Citi representative confirmed this and approved my application. 
On XXXX XXXX I called Citi to inquire about why I had not received the bonus miles. They stated that since I had the card in the past I was ineligible to receive the bonus. When I told Citi that a representative confirmed that I would receive the bonus offer I was told " The application department should n't have told you that ''. I spent over the {$5000.00} necessary and paid the {$450.00} annual fee and feel that my obligations to receive the bonus have been met. I was provided with false information from Citi and they are now withholding the bonus that I applied for, was approved for and was confirmed to me over the phone by a Citi employee.
Under the new Law effective XX/XX/2017 any public record data must include the Name, Address, SSN and DOB to legally appear on the credit file. The Credit Bureau has failed to update my credit report in accordance to the law. My credit report does not contain the information required by law to be reported as such, I am requesting the immediate removal of all and any records including the fictitious reporting of the bankruptcy. The US courts further confirmed this debt was never validated.
I bought a pickup from a person in Kansas. He had a loan on it, so i gave him the money on XX/XX/2018. The check was cashed on that day. He gave me a XXXX XXXX XXXX. 
I have called him three times since and he said he called Wells Fargo and they would not give him any answers. He gave me his account no. and i called and I got the same answer. 
Why can't they tell me if they have the title or what? Am i getting ripped off? 
The county that i am from will give me a fine if it is not in by 30 days. Who is going to pay the fine?
To Whom It May Concern : Please be advised that I have received your correspondence dated  XX/XX/2017    This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid.  See   FTC.gov staff  attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity.   I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you.   Awaiting your reply in a timely manner.   Sincerely,  XXXX   XXXX   XXXX
My rush card been inactive status over 11 week please help My cell is XXXX XXXX XXXX XXXX La XXXX XXXX XXXX XXXX XXXX please I have XXXX babies if my lights go off the state gone take my children and possible eviction
On XX/XX/XXXX my credit report is showing inquiries from CREDIT PLUS company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of company - CREDIT PLUS Date of Inquiry Type of business XX/XX/XXXX CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX
In XX/XX/XXXX I tried to cancel a gym membership at XXXX in XXXX XXXX because I moved out of state in XX/XX/XXXX. I followed all the instructions to cancel my membership, paid I paid a {$50.00} cancellation fee, a check for {$100.00} and {$79.00} for membership dues outstanding. All of these checks were cashed by XXXX XXXX, the financial company for XXXX XXXX. I also mailed a copy of my XXXX ID and a letter expressing my wish to cancel by certified mail as they requested. XXXX XXXX continued to send letters saying my account was past due. When I called to find out if they received my cancellation letter, they said my XXXX ID was not readable, and therefore they could not cancel my membership! In XX/XX/XXXX, I received a notice from a collection agency called First Credit Services, saying that I owed XXXX {$1400.00}. I ignored this notice, not realizing that this would turn up on my credit report and ruin my credit rating. This company is very disreputable and I made every effort to cancel my membership. I do not know what to do at this point but strongly dispute the claim that I owe them any money at all.
Gold Star Mortgage rejected my application to refinance of my home and would not return my appraisal fee, after i requested them to do so. They stated that I have a foreclosure on my credit report, to a house that I do not own. The foreclosure pertains to my mothers house not mine. Gold Star was the first to ever inform me of a foreclosure. A demand letter was sent on XX/XX/2017, to either provide to me legal documents that bind that foreclosure with my name on them or return my appraisal fee by XX/XX/2017. 
Basically, Gold Star informed me that I have to prove my innocence of the foreclosure by providing a copy of my mothers Family Living Trust, which I do not have. 
I informed Gold Star that they basically needed to provide proof that I am guilty of a foreclosure or return my appraisal fee.
FOCUS RECEIVABLES MANAGEMENT has been calling and harassing me about a bill owed to XXXX. 
I haved contacted XXXX XXXX and the company states they have no record of me evering having there service or owing a bill with there company. 
I have told Focus Receivables Management on numerous phone calls this information and have asked for proof from there company showing I owe this debt. 
Now this company are reporting a collection account with all three credit bureaus listed under my name, which is ruining my credit standing. 
I asked for them to delete this false information from my credit reports without any luck.
On or about XXXX Borrower sent NationStar a QWR requesting an accounting of the roughly {$19000.00} missing upon transfer to NationStar. NationStar did not respond adequately. Instead, a representative from corporate incorrectly asserted borrower as in arrears a total of XXXX payments and owed the sum provided. -the matter remains unresolved. 
On or about XXXX a Qualified Written request requesting the same clarification with an additional request to resume normal mortgage servicing upon voluntary dismissal of the bankruptcy was not acknowledged. QWR followed again in XX/XX/XXXX. No acknowledgment. 
On or about XXXX correspondence was received. The correspondence received verified the error as it listed payment due dates from XXXX to XXXX ( accurate ) adding up to {$12000.00}. 
Correspondence dated XXXX also listed a total due of {$31000.00}. This amount subtracted by {$12000.00} is roughly. {$19000.00}! -- the missing payments. 
The advantage of filing Chapter XXXX, although presently voluntarily dismissed, is court supervised and accounting of all payments are undisputed. Factually speaking, a total of {$100.00} of payments were disbursed to the investor on the note. What happened to all these payments? 
Next, upon filing of petition, borrower was not behind. Bankruptcy was filed for reasons other than cram down. Cram down was incident to other matters and therefore, motivation for filing was not because borrower was behind but incident to other financial matters requiring restructuring. Petition clearly demonstrates that borrower was not behind Another QWR followed in XX/XX/XXXX. A letter was previously received in XX/XX/XXXX. Another letter was received in XX/XX/XXXX requesting extension on QWR. 
On or about XX/XX/XXXX a letter was received which states and I quote, " NationStar Mortgage LLC is in receipt of your verbal complaint of XX/XX/XXXX regarding the mortgage loan described above ... The complaint was not verbal, in fact it was made expressly in writing in the format required by the Federal Government and CFPB. An express complaint was also submitted to the CFPB and no acknowledgment of this has been provided by NationStar to date. 
Correspondence dated XXXX further states, " We have conducted an investigation and it was determined the error you asserted did not occur on the account. '' ... " You are XXXX payments delinquent. '' Well if that 's the case then what happened to the money XXXX payments unaccounted for upon transfer to NationStar Mortgage? 
Next, the letter dated XXXX demonstrates sloppy research. The letter references the original petition in bankruptcy and it provided a copy of the same. The original petition in bankruptcy is not the final legally enforceable terms of the modified payment in bankruptcy -- the confirmation plan is. I 've attached the same to this formal dispute.
My concern is regarding the continous charge off accounts that continually show up on my consumer report with Chex Systems. I have forwarded a FTC Affidavit to them regarding removing the reported items. An item from XXXX XXXX XXXX XXXX and an item from XXXX XXXX XXXX XXXX. I called and spoke to a representative yesterday and they told me that they are n't going to remove the disputed ID fraud items at all. And stated that he can send me an updated report. I have furnished Chexsystems with an FTC Affidavit and the XXXX entries need to be removed within 4 business days
I submitted a complaint  XXXX  against Chexsystems on     XXXX  17     Regarding an issue with  XXXX  being reported on my Chexsystems report. Chexsystems came back and said the issue was investigated and found to be factual.  <P/> I also have a complaint into   XXXX   XXXX   Regarding this matter also submitted on     XXXX    XXXX   XXXX  says they need more time and still ca n't pull up the information being reported to Chexsystems and need more time as of today   XX/XX/ 17   . I have Phoned   XXXX   XXXX    Directly How is it  that   XXXX   XXXX   Can not confirm this information to CFPB and me as of today 's date, however, Chexsystems has it all confirmed. and  XXXX  was able to give them the full information regarding my issue?  <P/> I believe Chexsystems is in Violation of the law and did not investigate the issue and just spit out an answer.
This weekend I got a master card from Netspend, XXXX XXXX XXXX, XXXX, TX XXXX. I did not request this card nor do I want it. When I tried to call the phone number on the back of the card, the phone system would not let me talk with anyone unless I entered the card number. When I did this, the system started to activate the card. I hung up to try to stop the process. When I went to their web site, the only phone number given was the one on the back of the card. When I tried to use the a link to send customer service a complain email, the wed site blocked it. I did send an email using my email app to the customer service and the president of the company. This company provided NO option to contact a person to get the card I don't want cancelled and removed from my record. They should be investigated for unfair or illegal practices.
rush card has failed to load a direct deposit loan from my XXXX. 
Issue has been ongoing about a week now.
To Whom it may concern, Dear Sir/Madam, I am sending the this complaint for Citibank not honoring the Citigold promotion offer on which Citibank would post XXXX XXXX miles to applicant 's account after finishing the related requirements. 
I opened Citigold checking package around XXXX XXXX and fulfilled all the requirements around XXXX XXXX. The online chat customer service at that time confirmed I had finished all the requirements and would receive the bonus miles after 90 days as terms required. 
On XX/XX/XXXX, I sent a security message since I did n't receive the miles on time. The reply from the message is shown below : " I can confirm the AAdvantage miles have been processed to your account. However, be advised it may take an additional 30 days for the miles to post to your AAdvantage member account. '' Please find the attachment for details. 
Then I had been patient and waited another 2 months until XX/XX/XXXX since I trusted Citibank would honor the terms and what the customer service promised. 
On XX/XX/XXXX, I sent another security message to check my bonus miles status since it had been such a long time and it is not posted yet. Then the security message customer service this time stated that I was not targeted and would not receive the promotion miles. Later on XX/XX/XXXX, Citibank stated they would file an investigation while I do n't receive any response until now.
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX PROFESSIONAL DEBT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PROFESSIONAL DEBT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Good Morning These people have been calling my mom and even my ex-husband whom I haven't spoken to in eight years. I was divorced in 2011 and just recently got a call from him saying, " these people keep calling my phone asking for you. '' " How did they get my number? '' I told him I haven't taken out any payday loans in a while, and if I did, I'd never list him as a reference. I have not personally received any call from these people, which is even more strange. I checked the number online, and it said they were scammers. I am reporting this due to the harassing phone calls my mom has received, as well as my ex-husband who told me he just got a new number and has no idea how they got it. 
Here is another number they've called my mom and ex-husband from XXXX. Thank you for resolving this matter.
Recently, I applied for a mortgage through XXXX XXXX XXXX. On XX/XX/2018, the bank was able to pull my credit report from XXXX and XXXX  but they were unable to pull a report from Equifax. I called Equifax and they told me there was no record of my account existing. I explained to them that the same bank was able to pull a credit report on or around XX/XX/2018. They tried searching my account by my maiden name as well as my married name but they were still unable to locate my file. I also explained that I had previously been approved for a mortgage back in XX/XX/2018. A supervisor at Equifax said that I would have to type a letter and fax it along with a copy of my Driver ID and a copy of my Social Security card and the issue would be looked into within 48 hrs. When I  relayed this information back to XXXX XXXX, they told me that I should not fax them my social security card due to the security risks that may lead to.
I was out of the country during the XXXX and upon returning in XXXX I received a letter from XXXX XXXX, on behalf of XXXX XXXX attempting to collect an unknown debt. Their letter was dated XX/XX/2018. However, due to delayed mail and my absence I did not have 30 days to dispute said debt. I called them immediately and requested for a delete for payment. They were not accommodating. They advised me to call XXXX XXXX. I called XXXX XXXX because I was never even aware of the debt to begin with. It was a final bill from the sale of a home in FL. I live in XXXX. I never received any bill from XXXX XXXX ( my previous bills were e-pay, but upon closing account I lost access ) and XXXX confirmed that they had an erroneous mailing address. I had no idea this bill was even owed and should have been given the opportunity to pay it in full. XXXX neglected to mail it to the correct address and closed my online account so I had no access. 
XXXX XXXX failed to give me 30 days to dispute this debt. I mailed XXXX XXXX on XXXX XXXX a written request to delete this from my credit and give me the opportunity to pay, but I have not heard any response from them. This is the only derogatory mark on my credit and I was never given an opportunity to pay.
Because of the XXXX Data Breach, I attempted to add a credit freeze to a paid credit monitoring service with Experian. I have been unable to log into my account for two days, and when I contacted Experian today ( XXXX XXXX, 2017 ), I was told that all of the servers were down due to inclement weather in Florida. I am troubled that Experian is n't required to have a redundant system, or hot site, to continue to conduct business similar to the requirements for banks. 

I am unable to place a freeze on my credit reports to safeguard against the XXXX data breach, and I find it unacceptable that Experian is not able to monitor and report changes in my credit as they agreed to in the " Triple Alert '' monitoring service.
Since 2011 I have held a XXXX XXXX XXXXXXXX XXXX Credit Card with CitiBank. I had loads of positive credit on my 3 credit files. The account is open, active and all positive credit. Last year I checked my credit file and the account was missing. I made MANY calls to customer service and each time I was told that they could not help. One time a lady ( XXXX ) said to not worry that she would sort it out. I still do not see any of my past credit. I want that all put back on all 3 credit bureaus. I can not get anyone to agree that this could have happened AND how to fix.