WillisBack/dataset-financial-user-claim huggingface dataset:
Home Financing Center, XXXX XXXX, Florida, is requiring I have Hazard Insurance on my condo in XXXX, Florida. The condo homeowners association already has property, crime, and general liability insurance on this property. The property is not in a flood zone. I have provided this documentation to HFC. I have written several letters to them requesting information concerning why Hazard insurance is required on this property. The last letter was addressed to XXXX XXXX, President and CEO. HFC claims I have been notified on two occasions explaining the circumstances surrounding the need to have Hazard insurance. To date I have not received a response explaining why Hazard insurance is required on this property. I have owned the property for many years and the only thing that has changed is that the property was refinanced from a 30 year mortgage to a 40 year mortgage. HFC appears to have purchased Hazard insurance for this condo unnecessarily last year and this year at a total cost of over XXXX dollars.
Upon Auditing my Thank You Rewards Credit Card with a Supervisor at Citi, we discovered a huge discrepancy that no one can find out why but had an idea and was going to investigate. It turned out that balance transfers are done manually and can human error. ( Balance transfers from cards closed due to security measures ). Initial Audit Dated XXXX XXXX show discrepancy of nearly $ XXXX. NOW, after dissecting this to a minutia year by year for XXXX and XXXX, I find out I am actually OWED money, just over $ XXXX. I have evidence generated by Citibank.com of spend activity that supports this. However, my monthly statements due not reflect the true activities online. I checked all my other Citi Cards, the online activities AND billing statements match dollar per dollar. It is just this account.
I took out a loan over a year ago that I could not pay. They have called and sent me emails threatening to have me arrested at work and to prosecute me for check fraud, among other things. They have shared my information with third parties as well.
I noticed a collection on my report and called the credit agency. I was told a company called National Recoveey Agency had put the collection on my report. I have never received any communication from this company, no dunning letter or opportunity to dispute. This is against debt collection laws. Moreover, the debt alleges that I had an account that went into collection with XXXX XXXX  in 2018. I did not have an account with XXXX XXXX in 2018 so the reporting is wrong as well. 
I was prejudiced by this lack of notice.
I am being " docked '' because there is no record of a XXXX mortgage. I do not have a mortgage and have not had one since XX/XX/XXXX. I own XXXX % of my co-operative apartment. 

Yes, I did once have a mortgage but it got paid off in just a few years after I purchased my apartment. I purchased the apartment in XX/XX/XXXX and the mortgage was paid off in or around XX/XX/XXXX.
Dear Sir/Madame : I am filing a complaint about HSBC for 4 specific things as below. I have all email communications as evidence and can provide all of them when needed. 1. When I tried to pay for Property Tax on XX/XX/XXXX on the payment website from the selected menu I chose to pay through my Savings Account but I accidentally entered my checking account #. Then HSBC paid through my checking account without checking with me.
2. Since there was not enough fund in my checking account ( fund was in savings account ), the payment was denied. I got notified on XX/XX/XXXX from the payment website. They informed me that my bank only notified them on XX/XX/XXXX. Since XX/XX/XXXX was the deadline for the payment, I was charged $ 1500+ fine. When I asked HSBC why it took them 10 days to inform insufficient fund status, there was no direct answers. I had to escalate to five different HSBC staff and it took me 1.5 months to finally get an answer. During the process, I sent dozens of emails to different HSBC staff for answers. After getting so frustrated, I asked for the contact information of their supervising authorities. At my 7th request, they finally gave me your name. This was a terrible customer service experience.
3. HSB
C has been using double standards to decide how to communicate with me. When I opened my account back in XX/XX/XXXX, I told them my sister will help manage my account since I am too busy and I fully trust my sister. Since then, my account manager has been in communication with my sister for all account services through emails, phone calls, etc. When I asked for investment options, HSBC staff also called my sister instead of me to discuss options. But when my sister followed up on above # 2 issue, HSBC staff said my sister can not handle this complaint since she has no power of attorney to represent me. I do not understand why my sister can handle my accounts in any way but when it comes to complaints, she can not?
4. HSBC downgraded my checking account level from premium to advance on XX/XX/XXXX without getting my approval. Again, I have all email communications to prove above. I am more than happy to provide any evidences to support my claims. Thank you for your time! XXXX XXXX
I tried to open the checking account with 1st Bank aka https : //www.efirstbank.com which was offering me {$200.00} for the new accounts after meeting certain conditions. I provided all the information and also the funding information ( from another account ) to fund this. Then i submit the application over internet. But next day i received the call that as per XXXX report - i am denied opening a new account. I was asked to check with them ( XXXX ). Why they are not letting me open the checking account at the fist place?
On XX/XX/XXXX I mailed Diversified Consulants in XXXX a certified Letter *copy attached* for debt validation, according to the USPS it was received in their offices on XX/XX/XXXX, I requested validation of a debt they are reporting on my credit report .After 33 days I have received nothing from this company.
I have medicaid at the time of this medical service and my medicaid was fully responsible for paying the medical bill. I had medicaid at the time for me and my XXXX kids as a single dad when I lost my job in 2012. The medical provider failed to file claimed with medicaid even after I provided my medicaid information at the time of service. This is wrongful collection attempt that has significantly affected my credit and I would ask that the collection be removed from my credit file.
My student loan payment history does not reflect the actual amount I paid. I called discover student loan services repeatedly and explained that the payments deducted from my bank account is not accurately reflected in the payment history. The account show less payment even though more payment is deducted from my bank account. I asked for a copy of my records, and waited to receive it for months but never received it.
This debt appeared on my credit report and I have no knowledge of this debt and no one has sent anything to verify this debt. I have seen several reviews about this company attempting to collect debt that has not been disputed. I have not received anything in writing about this debt and It has been falsely placed on my credit report. Under the FCRA a client is supposed to receive notice about what goes on their credit report and the credit bureau is supposed to thoroughly review and verify these items. According to the FCRA If a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. If collection activity continues, the consumer may file a lawsuit in state or federal court for violation of the FDCPA. This DEBT was listed as XX/XX/2018 and nothing has been received.
XXXX XXXX XXXX XXXX ( XXXX ) was collecting from XXXX Insurance and from me. XXXX paid everything except for the deductible amount which was {$1000.00}. XXXX explained that the fees and loss of rental income were requested as a standard practice but were not paid by the insurance or by me. When XXXX XXXX XXXX XXXX contacted me, the representative informed me that their client ( major US car rental agency ) received payment from XXXX but that my payment ( my insurance deductible ) was the only payment outstanding. We discussed the fees and loss of rental income and the XXXX XXXX XXXX XXXX representative explained the same as the XXXX rep ', those fees were not recoverable and their client was happy to let them go. I paid the {$1000.00} ( XX/XX/XXXX ) Today XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXX, the representative said there was bad news and asked for {$620.00}. The rep ' said that amount was outstanding and that I owed. I reminded the rep ' that my situation was handled by insurance and that any outstanding balance other than deductible, was paid by my insurance. The XXXX rep ' got agitated and loud with me, eventually after shouting for a while, he hung up on me. I called XXXX and they confirmed that everything was paid. They even called XXXX and were told that the account was closed. I believe they are trying to scam me.
XXXX XXXX IS CERTIFYING A DEBT THAT DOES NOT BELONG TO ME. 
I SENT COPIES OF MY POLICE REPORT TO THE COMPANY AND TO THE CREDIT BUREAUS AND XXXX XXXX KEEPS CERTIFYING WITH THE REPORTING AGENCIES THAT THIS MY DEBT.
IC Systems XXXX, MN XXXX Receiving calls from XXXX Letter sent states account # XXXX IC ref # XXXX They say I owe {$4200.00} collection on a XXXX phone bill I did not open or order the XXXX I phone XXXX phones, on XX/XX/2017. 

I am reporting this as fraud. 

Thank you, XXXX
On XXXX XXXX I sent out a certified letter it was received by TransUnion on XXXX/XXXX/XXXX The letter was sent to TransUnion in regards to inquiries that are showing up on my credit report that do NOT belong to me. Despite having a fraud alert on my account they still allowed for multiple inquiries to be made by someone else. They keep sending general letters saying these inquiries are factual. They responded on XXXX/XXXX/XXXX three days later to my initial dispute. But they are NOT factual because I did NOT make them. They would know that if the did an actual investigation. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order There was not a permissible cause for any of the following. I have reached out to the creditors that I could but each of them want me to give them my information and I am not comfortable with that especially since they already have ran my information without my permission. Transunion is the only credit bureau that has not followed the correct steps in the matter. Every other credit bureau has found out that these inquiries did not belong to me and have deleted them.I know that Transunion should investigate these inquiries but there is no way possible within 3 days they investigated any of my inquiries. I am a consumer and I have the right to have only correct information on my credit report. FCRA 623 ( b ) ( 2 ) and 611 ( a ) states that any information can be disputed and MUST be investigate and responded to. There is no way that a complete investigation has taken place in 3 days. There was a lack of investigation to my original disputes and due to these unfair practices my inquiries need to be deleted immediately. Transunion is in violation of the above FCRA rules. Creditor Name with some showing mutliple dates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 623 ( b ) ( 2 ) and 611 ( a ) states that any information can be disputed and MUST be investigate and responded to. There is no way that a complete investigation has taken place in 3 days. There was a lack of investigation to my original disputes and due to these unfair practices my inquiries need to be deleted immediately. Transunion is in violation of the above FCRA rules.
Myself and My husband mailed a debt validation request to XXXX XXXX XXXX via certified mail that was received by them on XX/XX/XXXX. We  submitted the request after reviewing our original contract and recieving a default letter on XX/XX/XXXX and seeing that XXXX XXXX XXXX was not the listed creditor on the original car loan contract and another creditor was listed. We also spoke with the original creditor listed on the contract XX/XX/XXXX and they had no record of XXXX being assigned to the loan and neither did the dealership the car was purchased from.After speaking with XXXX representatives on several occasions regarding my concerns XX/XX/XXXX. OnXX/XX/XXXX i offered to hold all funds in a trust or court account to prove I do have intentions in paying once validation is received. The offer was refused.XX/XX/XXXX we were notified by phone representative that XXXX will not be responding to our request and will " prove ourselves by repossession and we do n't have to send anything other than a bill ''. I then responded to the representative stating that if they do not respond with proper documentation by the XX/XX/XXXX deadline they will have to cease any collection attempts and credit reporting. The representative stated that they can just come get the car and they do n't have to prove anything. They will take a payment and I can wait out the XX/XX/XXXX deadline for response if I wish. I complied with a payment of XXXX only because I realized they were willing to go around my rights, but made it clear that I was not in agreement that this was a valid debt and I still wanted validation. This arrangement was made to put the account on hold in their records until XX/XX/XXXX. Without validation who is to say that another company ca n't come along and say I owe them instead and they too can repossess.
I recently got approved for $ XXXX with BBVA Compass. I was given a higher interest rate and the score used was a strategic move to manipulate the system. My fico is over over 750 I was given a 14 % plus rate. They claim my score was XXXX XXXX. I purchase a car about the same time and the dealership told my XXXX was XXXX and XXXX XXXX was XXXX. I call the corporate office and it rang a few time then hang up. When I made contact with the number on the application I was told I could reapply in 6 months.
I opened a CareCredit Card from XXXX XXXX back in XX/XX/XXXX. I made a charge of {$3600.00} on the card for my XXXX XXXX in XX/XX/XXXX. When I got my first bill it showed that I was charged {$3700.00} and I didn't think much about it because when I opened the card my doctor told me how there was going to be a fee for using the card. So after that, I made automatic payment to the credit card company every month. Until at the beginning of this year on XX/XX/XXXX I looked at the bill and it stated that I still owe over {$2100.00}. So I looked over all the bills and it showed that I was being charged a Card Security Fee that I have never sign-up for, that XXXX XXXX added to my account without agreement or my knowledge of it. 
On XX/XX/XXXX, I called XXXX XXXX about the Card Security that they have added to my account without my knowledge and how I wanted a refund on all the fees and interest that they have charged me without my knowledge, which at the time I thought it was {$640.00}. But when I did the math again today they have actually charged me over {$690.00}. When I called Synchrony they told me that the amount is too high and I have to call Card Security to as for the refund, and I told them that I called Card Security before them and it didn't go through because they ask for an account number which I don't have because I never opened an account with them. So the lady at XXXX XXXX decided to transfer me to Card Security. 
When I got through to Card Security and the guy about my problem he told that he can't find my account and that if I want my money bank I should call the bank and he can start a file for me so they can " check out my problem '' for me and they will get back to me. I told the guy ok, and afterward, I called the Synchrony again. 
When I got through to Synchrony again and told the lady about my problem, the lady tried to redirect me again back to Card Security, and that is when I got really frustrated told the lady that it is illegal for them to add a random service fee to my account without my acknowledgment. After that, the lady said she made a note to my account about my complaint and then hung up on me. Now two weeks after the call I have been charged interest for the Card Security fee again. 
I am not the only one who has gone through this because I have found online forums where people discussed how they have had the same thing happen to them without their knowledge.
This company, XXXX along with attorney XXXX XXXX XXXX has sued me and received a judgment ( XXXX XXXX XXXX county ND ) XX/XX/XXXX. I was never served and then XX/XX/XXXX they extended the judgement again without notice to me. The clerk told me that I was served at XXXX ND. I have never lived at that address. I have lived on the XXXX since XX/XX/XXXX. No due diligence was used to find my place of employment or current address. I have never received any notice of either action. I have no idea what this is concerning and my civil right to due process has been violated by this company and attorney.
2 Citicards. Did not receive XX/XX/XXXX or XX/XX/XXXX statement by email for 1 and when I rec 'd XX/XX/XXXX statement I saw interest and late fees. Did a search of spam etc for my gmail and there was no record of the statements being received. I have been their customer for 23 years and always pay my full balance on time. After arguing with several people who told me they would not remove the fees, I sent a letter. Then I received a phone call saying they would remove the fees. I made sure to change paperless billing to receive a bill in the mail for both of my citicard accts. 
So I was satisfied but suspicious. I could have deleted 1 email by mistake but not 2.

Today I received an email stating that my other citicard pmt was delinquent. Same story, only this time only 1 statement was n't received. And this acct had supposedly been changed to paper statement. I called and the fees and interest were removed. 
My concern is that they do n't make much money off people like me because I always pay in full and on time. So I think they are sending late notices when the consumer has n't received a statement, claiming the email was n't 'bounced back '' so I must have received it. I do n't see how this could have happened with 2 cards, me missing 3 emails. It 's just not possible. There is nothing more I 'm asking from Citicards but I want you to be aware in case you get any other complaints. In light of what XXXX XXXX pulled, I would n't put it past them. 
Thank you. XXXX XXXX
Car toal loss and Santader will not negotiate with me to repay to remaining balance of loan that was not covered by insurance. Santander has commited predatory lending by : 1. Risk based pricing - The price of the car was increased when Santander became the lender. I was told that the Santander would only finance if the loan was XXXX. 
2. Negative amortization - The car was purchased for a little over 20k but there is still over 17,000 that is left the pay on the loan. Most of the payment has been applied to interest. I also had a fee deferment when I was unemployed. I only requested one month but Sanrander told me that I had to have two which further increase the amount of payment that was applied to intertest. 
3. Loan packing - I was told that I needed to have the extended warranty on the car or they would not finance me. I was also told that gap insurance was included the car protection plan with the warranty, but it was not. 

I was also told that Santander has completed an interest modification, but the interest rate still remains the same and a smaller amount is applied to principal which allows interest to accrue and benefit Santander. 
Santander also has not sent me the contract which I requested two times two months ago. I requested a copy again on XX/XX/2018. 

I was very naive just out of XXXX school when I needed a car. Santander took advantage my ignorance and is holding me to an agreement that was made underpressure and false information. I
I have been trying to get access to my savings account to close it, since I need my money now for some medical bills. Since I could n't get access online I called the customer service number with absolutely no results. It looks to me like the bank is trying to keep me from getting acces to my money ; and I may need some help from the FDIC to close my account and get me my money. If that fails, I may have to try some  other method of recuping my funds ; and that would only benefit the attornies involved.
XXXX XXXX XXXX {$590.00} Account was settled with XXXX XXXX XXXX ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, 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. 
You can not collect a debt twice.
I reached out to, on XXXX from an email and phone call I got, for what I thought was a reputable loan finder and they set me up with a bank in NYXXXX called Investors Bank. I knew better, but I was desperate for the {$5000.00} loan they were offering. I paid some upfront for, what I now know is scam charges such as bank connection fee and so forth.I paid them around {$620.00} in fees to complete the loan. I was n't fully aware no bank would ever ask for fees up front. 

They claimed they were having trouble depositing my loan into my account so they did a " test deposit '' of {$1400.00} which I figured was legit and I was to pay it right back and I 'd get the full amount of the loan. What I did n't see was they disputed my XXXX XXXX XXXX charge ( basically called as if they were me to the dispute dept at XXXX ) and XXXX credited me the XXXX rent, vs them actually " depositing '' money. That 's why that {$1400.00} was in there. So I paid it back to them, and they promised I 'd have the loan amount in my bank this am. 

I contacted XXXX as I got an email about the dispute and put XXXX and XXXX together. To stop my apts basically getting an NSF for XXXX rent, I had to cancel that dispute. It will come out of my account tomorrow and I 'll be negative, big time. All in all I lost around {$2100.00} to these people and they are still asking for more money for the " transfer fee '' to complete the loan. I recorded the conversation and have reported them to the FTC and the XXXX XXXX. I also reported this to Investors Bank who said these men do not work for them and they reported it to their fraud dept.