WillisBack/dataset-financial-user-claim huggingface dataset:
I am the spouse of an XXXX service member who has been XXXX. I have been aggressively working with Citimortgage in an attempt to get a loan modification which I was told had been exhausted. I then asked to proceed with a short sale and am in the process of submitting documents when a Trustee Sale Date is posted on my home. I have no less than XXXX investors wanting the property and they have n't given me the time to submit the documents ... .again. I received the packet Saturday and returned it today and i afraid they are going to sell this property while im working on the short sale solution
They company that I am filling this complaint is called XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. They seem to be a high risk loan company with very high interest rates. When I purchased the XXXX XXXX XXXX I knew my financial situation and at the time was making good money so I did n't have a vehicle at the time so I purchased this impulse but. My payment was {$420.00} a month now it 's fine up to {$480.00} a month, they are charging me insurance late fees plus a {$10.00} over the phone charge. This company will start calling since my 1st months payment on the day my payments due and will call 4 to 5 times a day. They tell me the 10 day grace period period under California law does n't apply to them and if I read the contract they said they can use any means to try and collect in the debt. I 've asked for proof of their insurance and they have refused to this day to provide me with any. My check engine light has been on since I bought the car, which it never would of passed smog with it on. They used, used catalytic converters to try and get the light off. To this, day the light is on and wo n't pass smog. They offer in their emails to help but only make a deal to get a payment. Their ruthless when they call and will call from over 20 different numbers. They 've left rude messages on my phone. " Like oh my god I almost told him it was veros credit '', not realizing she had n't hung up yet. I would also be interested in a class action against this company. Since all of this I went and bought a brand new XXXX XXXX XXXX about a month ago. I have no more intentions on paying on a vehicle that has no chance of paying smog without paying the out of pocket expense to get it legal to pass. I would appreciate any feedback or advice, or at least kept In the loop of any action taken against this company. I have plenty of proof with the amount of calls I have received from this company and just from the XX/XX/XXXX i have over 25. Thank you for your time. XXXX XXXX XXXXXXXXXXXX
XXXX XXXX OWES ME {$500.00} DOLLARS, SO MADE A STATEMENT I TOOK HIS MONEY TO BANK OF AMERICA SOTHEY ARE HOLDING UP MY ACCOUNT OF {$400.00} DOLLARS AT MY BANK AT XXXX BANK ACCOUNT # ENDING IN XXXX I WANT MY MONEY RELEASED BACK INTO MY ACCOUNT, BECAUSE I HAVE PROOF THAT XXXX XXXX MADE FRAUDLENT TRANACTION FROM ACCOUNT TO HIS ACCOUNT, SO THE MONEY HE CLAIMS I XXXX XXXX BELONGS TO ME BECAUSE HE STOLE MONEY FROM MY ACCOUNT I'AM ASKING THAT MY {$400.00} DOLLARS BE RELEASE IMMEDIMATE PLEASE, XXXX XXXX IS A SCAM ARTIST, A RIPP OFF, AND THIS BANK OF AMERICA BELIEVE HIM BANK OF AMERICA IS A RIPP OFF TOO, I XXXX XXXX WANT MY MONEY PUT BACK INTO MY ACCOUNT WHICH THEY ARE HOLDING, BANK OF AMERICA IS A RIPP OFF, DISHONEST BANK, NOT GETTING THE ACTUAL FACTS, FRAUDLENT TOOK MY MONEY OUT OF MY ACCOUNT ... BANK OF AMERICA, RIPP OFF SCAM MY MONEY OUT OF MY ACCOUNT, RELEASE MY MONEY.
Tried to freeze credit on their website as I have done in the past. Was directed to send sensitive documents in the mail that could only lead to ID theft. Calling is a waste of time, there menu XXXX will have you sitting on the phone for days. Why can't I freeze my credit online like I have done in past and my wife has done successfully yesterday?
On or about Tuesday, XX/XX/XXXX, a guy claiming to be from a company called Westwood threatened legal action against me if I did not pay a past due amount. They threatened arrest, jail and garnishment of wages if I did not agree to immediately pay something. 
Out of fear, I paid {$50.00} immediately and agreed to {$150.00} payments for the next 4 weeks even though I can't really afford that at this time. They have my debit card numbers and will withdraw the money on certain dates. 
I am concerned about the legality of this. I don't like strangers with my card numbers ; I have no idea who these people are and if they're legit. I was supposed to receive a receipt by email for the {$50.00} paid already and never did. 
Until I can verify that they are legit, I will be canceling my cards..I do not want to lose funds to this potential scam.
Dispute was submitted to XXXX was investigated and was removed from my credit report but is still being reported on my report by XXXX. Have contacted them with information showing XXXX removal but they are still showing it. This debt was satisfied. I was also included as XXXX of the class action suit individuals against them that was recently settled against them for phone calls to my cell phone in the past. Have n't received any settlement due to it but was advised I should after their appeal time ends. Old debt that was taken care of.
I made a wire transfer into my saving ( XXXX ) account, and checking ( XXXX ) account on XXXX/XXXX/XXXX. I recieved an inbox Alert that notified me the funds were recieved ( XXXX/XXXX/XXXX ), in both accounts.The transfer was from the ACH CENTER located in XXXX, WV. This transfer came from XXXX XXXX XXXX XXXX, which transfers are immediate and are irreversible once sent. My account was closed because of this transaction, and there was never any record on either account about transfer. I have a print out from USAA BANK on XXXX/XXXX/XXXX which states : That Funds Were on Hold Are now Available in both accounts. I would like an investigation into the Fraud Banking Activitys of this Banking Institution ( USAA ). I also request that the Secret Service be Alerted as well for a complete forensic audit. Thank each and everyone of you who diligently work tiredlessly for the true people of America, We the People! I truly appreciate the time you have taken to both read and respond to this request/complaint. Thanking you in Avance, Most Sincerely, Peaceful Inhabitant-Standing in the Light. May God Bless America, and His People ...
Bank of America. Not a good option for XXXX XXXX military. 

In XXXX XX/XX/XXXX XXXX on active duty. Just before XXXX I replaced my BankAmericard Cash Rewards Visa. I had automatic bill pay setup for the account, but it did not carry over to my new card. I was not warned against this when I changed my card. Due to the fact that I was XXXX I did not receive my statements in a timely fashion so I did not see that I had an outstanding bill of approximately {$95.00}. Unknowingly my account went into delinquency. 

I noticed this - not from BOFA - but when I checked my credit to find a delinquency. In XXXX I noticed my credit score dropped XXXX points because my BOFA account was past due. Note : BOFA took no steps to notify me, except mail a statement that did not reach me because I was XXXX. The last time I had spoken to BOFA I understood that I had recurring billing set up. I immediately paid the minimal balance and requested that BOFA remove the negative report since it was their fault due to recurring billing fault. I addressed the issue with Bank of America and they did nothing. When I returned from XXXX in XXXX XX/XX/XXXX I noticed I still had the negative report. Since the beginning of XXXX I have spent countless hours on the phone attempting to speak to someone to fix this. The failure of their automatic payment service is the reason why this payment was late. They did not email or call. This is terrible treatment for someone that has limited access to communication because of XXXX service. 

I strongly warn XXXX military to find other banking services.
On XX/XX/XXXX I received an email from the XXXX XXXX stating my account had been locked due to multiple failed attempts to access the account. I call as directed and confirmed it was not me trying to access my account. I have not made any charges on the account in over a year. It was confirmed that no charges had been made on the account. I was unable to locate my credit card at the time so the account was closed and another opened. I recently received a credit alert. So, I checked my credit report to find XXXX  and Equifax had dropped my credit score tremendously. Upon reviewing it I realized there were two incorrect reports. Both stated I had an increased balance on the military star card. Yet, both had a previous change of account reported by the XXXX XXXX. I contacted the XXXX XXXX. I was told they only reported a change of account. I then disputed the increased balance with XXXX  on XX/XX/XXXX stating there was an account change and the previous balance was transferred to the new account. I receive a response on XX/XX/XXXX stating the investigation was complete and the information was accurate and would remain on my credit report. There was no new charges my balance did not increase had they contacted the XXXX  it would have been confirmed. I was not able to submit a dispute with Equifax.
I have disputed this debt numerous times. I sent XXXX XXXX XXXX a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute XXXX XXXX XXXX has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to Credit Collection Services : I am writing this letter in response to the phone call/letter received from you on ( Date ).  In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.
My loan is through Navient. Coming out of college ( XXXX ) they wanted {$1200.00} a month, which was impossible. They offered me a reduced payment plan which turned out to be an interest only payment which caused my loans to go up instead of down. Which does n't make any sense because if I was paying interest why was the loan going up? They now require {$1400.00} a month and offer no help except interest only payments again ... which will only continue to put me into more debt for a longer amount of time and pay them more than XXXX of my lifetime earnings. I have already paid them almost {$86000.00}. At this rate it will take XXXX years to pay the debt and they will receive about {$460000.00} for what was originally {$160000.00}. The company has also told me I have defaulted on these loans. An untrue statement and I have printed all my bank acct statements to show a payment each and every month since loan payments were due. 
They have also continued to raise the interest on my loans. XXXX of these loans is 10 %! How is this student help? They were dishonest in offering repayment plans that are no help to me and also in information they have given me about my loan and payments.
I received an outdated lease after I requested validation of a debt. I also received a list of fees that we're out side of the dates of the lease. I believe the lease was altered as well because it stated four months in parentheses as the terms of the lease but it also showed stated the number 12 as in 12 months. An outdated lease can not be used to validate a debt.
I bought two currencies, one for XXXX, and one for XXXX from coin base, coinbase.com took the XXXX and XXXX dollar deposits from my bank, and also another for XXXX ( a double withdrawl) which overdrew my account right before I was paying rent. I complained to my bank XXXX, so they started a fraud examination, and returned the money to my account, but now my coinbase.com account is locked by a bot, and i have sent many many emails, and no response, just automated actions that have frozen my account. I have tried to pay the balance to restore my account , but each time I submit for payment, the balance goes to XXXX, and it does nothing.
I have been divorce for many years, took the steps after my divorce to get my life back together as it has been over 7 years, I had my credit pulled a couple months back and a debt from a company named One Main Financial was listed, this is my ex husbands debt. Several request via the phone and in writing have been sent to this company to validate this as I do not recall ever obtaining only my ex and this company has never once responded back providing me a signed initial contract with my signature. I have disputed this account also with the XXXX major credit agencies which they have all stated they verified which how are these companies able to verify when I can not. I am lost for words as I can not move on with my life with this old debt which I do not believe I am responsible for is listed that I owe. Does n't a company have to have proof/validation of a signed initial contract and prove that it is within the statue of limitations? I do not know where to go from here I am asking your agency to help me as your company helps consumers.
Re :  XXXX   XXXX  finance loan Opened on  XXXX   XXXX ,   XXXX   Talked to the lender many times and have sent a copy of my grandmothers death certificate because the loan is in HER name and still, they have not removed the debt from my report or stopped trying to collect on it.
Equifax was reporting an incorrect XXXX XXXX tradeline, which I disputed. They deleted the tradeline. Subsequently, they reinserted the incorrect tradeline with no notification.
In  XX/XX/XXXX  I signed up for the student loan forgiveness repayment program as I 'm a   XXXX   XXXX  , working for a   XXXX   XXXX  . I was told in ten years my federal loans would be dismissed. In   XX/XX/XXXX  I  noticed I was no longer in the repayment forgiveness program. I calle d Navient and they said I would have had to renew this each year. I told them I was unaware of that and I never received anything in the mail to notify me to renew. Navient stated that it 's only a courtesy to send out renewal paperwork but they do n't necessary do it. They did not help me. Basically I lost five ye ars of payments toward loan forgiveness. They deceived. And they did n't care.
I have disputed the XXXX XXXX XXXX account as well as the 10 year old XXXX account. I have attached an statement provided by XXXX XXXX XXXX to fill out because of the fraud on my account, I also made state with the internet crimes department. So this should not be on report. 
The XXXX account should have been deleted due to age. Also I have provided payoff letter provided by XXXX. Not sure how they state last payment made in XXXX, when it cleary states account was paid off in XXXX. They also sent me a document to see if I would pay XXXX % of the bill to clear matter. So clearly they have some type of issues knowing what to do quoth account. i have also filed complaint with the XXXX of Mn about this.
Hello, I contacted XXXX many times to remove this false information from my credit report. XXXX XXXX XXXX XXXX XXXX gave this company my credit information. My husband took my XXXX daughter to this hospital for treatment. My information was in their system, as I have been a prior patient. Somehow this collection agency reported this bill to my credit, when my husband was the primary holder on his health insurance, and this was not reported on my husband 's credit, when he was the parent that signed for my daughter at the hospital. I did not authorize XXXX to release my credit to a third party agency.
For the past year or so, every time I have tried to pay extra on my one loan, it only advanced the due date of my payment with Naviant. I have even called to have the issue fixed but it was not fixed. Each time my due date was pushed.
Bank of America refused to communicate with my attorney ( who I was forced to hire because they also refused to communicate with me ) for over a year to negotiate a mutually beneficial and reasonable settlement on the balance I owed them on their credit card. BoA has incorrectly reported delinquency dates and balances to all three credit bureaus for the past XXXX years even though I closed out the account in XX/XX/XXXX. This malicious reporting needs to be removed from my credit report immediately as it is preventing me from qualifying for a mortgage.
Equifax, XXXX and XXXX continue to report these inaccurate items on my credit report.
XXXX : The amount of the loan is incorrect, the date started loan is incorrect, the late payments are incorrect, the monthly balance is incorrect, the loan terms is incorrect.
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XXXX XXXX : Past due amount is wrong, late payments are wrong, status is incorrect.
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XXXX XXXX XXXX : The amount past due is wrong, the initial amount is wrong, status is wrong.
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XXXX XXXX : The last date report is wrong, late payments are wrong, the balance is wrong, the status is wrong.
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I have contacted all of these companies personally and they continue to state these items are verified and no change has been made. I have disputed these items with all three credit bureaus multiple times and I 've received reports stating these items are valid and no change. I am looking to purchase a home and these accounts are affecting my chances of getting approved. Please Validate these accounts or delete these items off my credit report. Thank you.
Chase sent me an unsolicited credit card for Amazon.com. They sent a separate unsolicited credit card for Amazon.com to my wife.
I have always had my student loan on automatic payment via ACS/  XXXX   XXXX   XXXX   .  I have never missed a payment. They failed to do the automatic withdrawal in   XXXX    2016 and     XXXX    2016. I attem pted to log into my account and it said " this account does n't exist ''. When I called to make them aware they were no assistance and did not fix the problem. I ended up having to call again and make a payment over the phone. My credit report shows no 30 day late y et one 60 day late. That is not even possible to be 60 days late without being 30. They were quick to charge me late fees and tell me they would be correct my account and still have not.
We have filed claim number XXXX on or about XX/XX/2016 never receiving email containing claim number, details and or affidavit. Requesting refunds of Charges to XXXX for deceptive, abusive, hostile - unsafe conditions including XXXX attack and lock out. 

The attacks were experienced at the XXXX location were actually fueled by Chase 's unfair and discriminate practices of over drawing from my account. Clear violations of Fair Debt Collection Practices Act and liable for willful noncompliance of banking regulations. 
Once the charge was made from XXXX the funds were withdrawn from my account as an authorization. The host would complain within XXXX hours stating she receives her payment from caucasian customers overnight and ours take XXXX days or more ... .. '' Why is that?! '' XXXX days or so later Chase would reconcile our account by moving around deposits and payments and charge our account again for the XXXX reservation. 

This went on for awhile until the host lost it and threw our property outside in the rain and locked us out of the unit due to so-called non payment while charges had been withdrawn from my account. The host retaliated further by keeping our expensive property and groceries. We were forced to call the police to regain access to our possessions. During this hellacious event we suffered damages/loss over several XXXX dollars. Including being attacked personally and professionally on social media to the point that we can not use XXXX platform anymore. 
We filed a complaint with XXXX, to no avail .... they were actually on the phone with us as we called the police. We have filed claim with Chase requesting refunds. The first claim was refunded and then reversed without notice. Each time we contact them to complete the claim Chase gives us another stall tactic claiming the claim is incomplete ... .missing notes from the first claim. They would of called but my phone number was n't listed on the second claim that has the same claim number. 
When we ask for the notes of both claims to compare and identify what is missing Chase stalls and denies us access stating, " its internal information only. '' We believe Chase is acting in bad faith knowingly and intentionally stonewalling our request for credits and closure in this matter. We are currently over {$2000.00} XXXX XXXX XXXX ) overdrawn and out of over {$800.00} XXXX XXXX XXXX ) in wages, causing a financial hardship.
wells fargo charged me over roughly XXXX dollars in charges. They also held a check up for {$890.00}. Then they closed an account without explanation so I can never recover my monies.
Summary : Citi closed my account without my permission. All bills are paid on-time. I called on 3 separate occasions after the Citi CSRs break their commitment and failed to follow up and call-back. Day-by-day details below : Friday - XX/XX/XXXX - I called to inquire about my Citi Prestige annual fee, and asked if Citi has any retention offers or willing to waive the annual fee. The CSR responded by saying no such offer is available. I thanked her and mentioned I would like to use up/redeem my Citi Thank You Points online prior to deciding to close the card, and if I decide to close the card, I would call back. 

Sunday - XX/XX/XXXX - I logged in to citi.com, realized my credit card has been closed, and I no longer have access/ability to redeem my Thank You points. I called the 1800 number, however the CSR told me that she would have to pull the call history to prove that the agent had closed my account without my approval. The CSR mentioned she would call me back on XX/XX/XXXX at XXXX XXXX XXXX. 

Wednesday - XX/XX/XXXX - The CSR never called me back, and I called the 1800 number again. I was informed that the call still had not been pulled, and the CSR would call me back on XX/XX/XXXX at XXXX XXXX   XXXX. 

Thursday - XX/XX/XXXX - no call back from the CSR, I called Citi again, was on hold for a good 20 minutes, and again, same explanation as the other CSRs - they need to pull the call record, and they have not been able to do that. This CSR told me the process to pull a call record takes up to 10 business days. I have also asked if there is a way to escalate this issue, and was advised no such option is available.