WillisBack/dataset-financial-user-claim huggingface dataset:
Received phone call from Ability Recovery Services ( XXXX ) on XX/XX/XXXX. Also received calls on XX/XX/XXXX and XX/XX/XXXX. The company claims that I owe a debt to the XXXX XXXX XXXX for {$100.00} from XXXX. 

The first time I had any phone contact with this company was on XX/XX/XXXX. At that point, they made a claim that they had sent me multiple letters since XXXX attempting to collect this debt. I have received none of them. I told them I was able to make arrangements to settle the debt on XX/XX/XXXX. I did not give them any credit card information. 

On XX/XX/XXXX I called XXXX XXXX XXXX personally. The person I spoke with said according to their records my account did not show any outstanding balance and that my information was never forwarded to a debt collection agency. Also on XX/XX/XXXX, Ability Recovery Services attempted to contact me and left a voicemail because I was unable to answer the call. 

On XX/XX/XXXX, I received another phone call from this company ; this time with a very threatening tone. The woman I spoke to began by telling me that I owe this money and that I should " stop lying about not receiving any of their letters. '' She also threatened to add it to my credit report and refused my request for a certified letter. In addition, she made disparaging remarks about my financial situation and told me I " was a scam. '' She also refused multiple requests for information necessary to dispute said claim. 

Finally, on XX/XX/XXXX, I once again reached out personally to the XXXX XXXX XXXX. Once again, I was reassured that my account was up to date and no further action had been taken against me in regards to my account going into collections.
On XX/XX/XXXX I had over XXXX worth of XXXX on my AMEX account. On the same day AMEX took an unathorized payment of XXXX to pay off the fraud balance. This was withdrawn electronically from my bank account. I have been trying since XX/XX/XXXX to receive the money back. AMEX will not refund it via ACH since it is not XXXX XXXX. It is now XX/XX/XXXX and they still have not refunded teh money, continue to have my address wrong, I live in the XXXX, and have been Not find a solution. This was an unauthorized drafting of funds acknoweldge by them but they will not refund the money so I can get it.
My XXXX yr old mother, who lived in a gated community in XXXX was convinced to sign a reverse mortgage agreement with Wells Fargo Bank, in XX/XX/XXXX. She had to be moved to assisted living late XX/XX/XXXX & her house had to be sold, which it was, 7 year / 3 months later ( XX/XX/XXXX ). She received {$250.00} a month thru that time. That means that she received from Wells Fargo Reverse Mtg. $ XXXX At the Closing, Wells Fargo Took {$62000.00}, Leaving my mother with next to nothing, on a house that was PAID OFF, previous to starting the reverse Mtg. That 's nearly triple payback of what they paid to my mother. She 's now nearly destitute -- -Shamefull !!!
Continue to receive debt collection calls from Portfolio Recovery Service. I do not have any debts, nor have I ever. All times Central. 

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I was a care credit consumer which got a credit card for my dental work. I was misled about the terms and just found out that they may have tried to contact me to no avail for the lawsuit. I paid thousands.
I got the loan in XXXX XXXX for an emergency home repair. When I went to set up an account online to pay in XXXX, it was VERY user-unfriendly, and I ended up having to call their customer service, and was on the phone for quite some time. I thought I had gotten it all straightened out for this month, but I also had a lot of problems this month, and was unable to access my account. Consequently, I was locked out from paying the monthly installment. When I called Customer Service again to remedy the problem, I found out I was late paying ( how would I know? I was n't able to access my account! ) and assessed a {$26.00} late fee on a {$40.00} payment. The woman was very discourteous, and insisted it was not the problem of Wells Fargo, stating she was unable to remove the late fee. I explained that it was the problem of Wells Fargo, since I was n't able to access my account. She kept repeating " not Wells Fargo 's fault, '' so I asked to speak with her supervisor. I was on terminal hold, and ended up hanging up after about 12 minutes of waiting.
I have all my credit cards on Auto Pay. XXXX including a car payment. Citibank credit card na of South Dakota now processes Home Depot Credit. I have been getting late fees and put into collection because Citi transactions with the bank have failed. Money is in the bank but they seem not able to access it. I do n't no they ca n't access it on my Citi cardI have never had an auto pay fail, what is the point if you ca n't trust them. I 've explained this to Citi so many times but the reps just want to keep updating auto pay. 
I wrote them a letter. An never heard back. 
I must have gotten a call every Sunday for the last four months. 
I am now sending them a demand letter. ( copy attached ) A demand letter needs an address but my SState says I can give to a teller? What! 
Also, Citi should make the address for registered agent clearly available. If they do n't want to talk to you. You should at least have the right to serve them. Citibank na ( South Dakota ) The branch of Citi that manages credit cards. Do they have a registered agent? 

I want Citi to clean up my relation with Home DepotI want Citi to clean up the all late fees on Citi Card and Home DepotI want to compensation for my credit being damaged, calls which were so misinformed they talked about my old bank'I wanted to compensation for negligence and advertence of the issue so late charges would mount. 
Customer service having conflicting or no data about current information. 
Customer service armed with only half truths causing conflict. 
Citi to pay a fine.
I turned over my lease three months in a impeccable condition on XXXX, XXXX 2016. I got acknoledgement from dealer with odometer statement. I always paid my lease payment on time without even a single day being late for last three years. I returned car to dealer and leased another similar vehicle. The lease was with US Bank and made a call to them and understood the lease remaining four months {$850.00} to be paid. I paid to the dealer and dealer sent payment of {$1000.00} to the bank. Bank sent me a letter on XXXX/XXXX/2016 about additional money. The car was very clean and less mileage than contracted and kept the car with them for a month since I turned it over. They are still demanding additional {$200.00} to be paid. There was late payment of {$25.00} as additional where as I never missed a single payment even by one day. Its the bank that took almost two months to send me the ivoice after I turned the lease in with dealer on XXXX, XXXX 2016. This kind of untrusted and greed behaviour causing me lot of anxiety. We need some protection to make sure lease turning in should be as per process and within stipulated time. Not to wait after a month and half and sending additional extraction of money.
In both XX/XX/2018 and XX/XX/2018 a late payment was reported. It was an exceptionally busy time but the payment for this month was submitted a few days before the 30-day exception. ( See attached documentation ). As a small business owner, it is imperative that I maintain a flawless credit history as it could jeopardize my livelihood and more importantly the livelihood of my employees should I not be able to gain necessary funding for my business when the time arises due to a late payment destroying my credit rating. I fully respect the obligations I made to XXXX XXXX as with all the creditors who extend me financing opportunities and I have worked my entire adult life maintaining a great relationship with my creditors and I intend to maintain a great relationship with XXXX XXXX as I am in the market for a new car. A brief look at my account will reveal I have successfully made every payment up to and beyond the reported XXXX and XXXX timeframe which I can prove is in error ( See attached highlighted documents ). 
I understand that the monthly billing cycle is a 30 day billing cycle as described in/by the federal Fair Credit Reporting Act ( FCRA ) my loan is financed on such a cycle that runs from the XX/XX/XXXX to the XX/XX/XXXX of each month, with that being said my payments were made within the limit of the following due date before the XX/XX/XXXX of  the each of the reported late months as shown in the attached statements. Under the XXXX, a creditor must credit all payments to my account on the date they're received, unless no extra charges would result if they failed to do so. I understand that XXXX XXXX is permitted to set reasonable rules for making and reporting payments, like your rule that the deadline for payment should be received to be credited on the same date no later than XXXX XXXX on the due date. My payments were made on the day before and before the XXXX window. 
Again, the reported late in XXXX and XXXX payment are negatively affecting my chances of obtaining much needed lines of credit and business banking opportunities that are vital to the success of me as an individual and my company. As you know, my personal FICO score is used in the decision-making process of all business bankings go/ no go decisions to fund and my FICO score has drop over 45 points due to the late payment reported in XXXX and XXXX which pushes me out to tolerated range of lender preference. 
I am requesting that you please the reporting error and restore my credit rating by revising the late payment as reported on my three major credit bureau files ( XXXX, XXXX, and Equifax ). I sincerely hope XXXX XXXX XXXX believes in their customers and I humbly request the correction be made. I have reestablished automatic payments so there is no doubt in payment dates. I appreciate your time and look forward to receiving a favorable decision from your department soon.
On XX/XX/XXXXXXXX at XXXX XXXX I received a call from Ally Financial regarding my car payment, I informed that was n't able to make payment at that moment and would contact back at a later date. On the same exact date they contacted again at XXXX and left a message regarding the payment and again at XXXX. I know that they cant contact me again after a message has been left. When I informed the rep of my knowledge he explained to me that the automated dialer had called my number. I informed that there should have been some form of notation that a message was left. I also asked the rep to speak with a rep from the United States of America because there seemed to be a language barrier and the rep asked why, I then informed the rep of why and he continued to say that he was trying to help and basically was trying to force me to make the payment.
I was offered a  three mont h trial payment plan with bank of America. I made  all three pay ments on time per the agreement. Now bank of America has sent a letter stating that the loan modification has been denied because they can not verify my identity.??? I have to verify my identity each time I call them and I 've sent my identity information with all of the loan modification documents.     I 've owned my home since  XXXX     1999.
I have been trying to get this resolved with Navient and XXXX XXXX XXXX but no one is able to assist me. My credit report is reporting two derogatory items for the same exact loan and is a duplicate item. I have spoken to Navient who is sending me to The Department of Education, which is being handled by XXXX XXXX XXXX, and they are telling me they cant do anything I have to call Navient. When reaching out to Navient they are turning me to The Department of Education. Not to mention when I was trying to pay this debt off in 2017 I was told I had no other option but to pay a settled amount or not pay at all. I was only {$80.00} short of paying the full amount and was told I had to just settle for less or continue getting called every hour by the collection department.
I keep getting phone calls about debt that has been settled and or out of date, or that I was not even aware of having. These same people are calling my elderly mother and father inlaw too. 
I have checked my credit report and none of the businesses are on it. They are trying to get me to settle out of court. 
He says he is with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I can not find a business at this address.
THIS IS NOT THE FIRST COMPLAINT I MAKE AGAINST PENNYMAC. 
PENNYMAC DO NOT HAVE LEGAL STANDING, LEGAL CAPACITY OR LEGAL RIGTH TO CONTINUE ARRASMENT AGAINST ME AND MY ENTIRE FAMILY. 
THIS TIME THEY COMPLAINT WILL BE AGAINST PENNYMAC, XXXX XXXX, PHONE # XXXX, WHO ILLEGALY JOIN OR WAS HIRE BY PENNYMAC IN CONJUCTION WITH THE XXXX XXXX, BROKER NAME XXXX XXXX, LIC # XXXX XXXX WITH PHONE # XXXX. 
I ALREADY CONTACT MY CONGRESSMAN XXXX XXXX TO INVESTIGATE IN CONJUCTION WITH FCPB, TELEPHONE # XXXX, PERSON TO CONTACT XXXX XXXX DIRECTOR OF CONSTITUENT SERVICES. 
THE ISSUE IS NOT ONLY MY PROBLEM, IT 'S US D.O.J AKA. US DEPARTMENT OF JUSTICIE. THIS CONSTITUED STREAM FRAUD CONSTITUTE.
I am a victim of identity theft, I have filed a police report/Sworn affidavit and have submitted this information to the three major credit bureaus as part of my dispute to show that I am not responsible for the debt that is reflecting on my credit report and dispute after dispute the credit bureaus come back with the same findings, saying they have confirmed and verified the information.

For example, I have two public records showing on my credit record as belonging to me, I State Tax Lien for the XXXX Of XXXX. 

The first record/State Tax lien is for {$12000.00}, the Second Tax lien is for {$51000.00}, according to the credit reports these items were filed on XX/XX/XXXX and XX/XX/XXXX respectively. But again I have proof these items don't belong to me and have submitted proof and documentation. 

I need help in clearing this items from my record because they don't belong to me, I am not sure how the credit report bureaus are verifying this information.
Equifax refused to remove a bankruptcy from my report that is not following the new reporting laws set as of XX/XX/XXXX. I disputed with the BBB and the only step they took was to verify that it was me. Equifax out right lied saying that it is reported on my credit report with all the information required by law which it is not! I have attached a picture of how Equifax is reporting the bankruptcy on my credit report. With the new reporting law in place millions of misrepresented and ill reported information including bankruptcies, tax liens, and civil judgments are to be removed because of the credit bureaus poor reporting practices!
Transunion sent this letter dated XXXX XX/XX/2018 in response to the attached document by me stating THIS IS NOT A DISPUTE. I requested Transunion to provide, BY CERTIFIED MAIL, signed XXXX XX/XX/2018 the individuals contacted from XXXX XXXX   and the information that XXXX XXXX  is providing Transunion enabling Transunion to continue to verify this inaccurate credit card charge off on my credit report. This proves Transunion doesnt read the information provided on this portal. Transunion collects and submit through XXXX. This document was mailed two months ago to Transunion. No reply from Transunion no requested documents only unrequested reinvestigations. TRANSUNION IF YOU READ THESE COMPLAINTS PLEASE RESPOND TO THE ATTACHMENT SENT TO YOU OVER TWO MONTHS AGO and send the requested information.
On XXXX XXXX, I opened a letter from a TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX that had been delivered to my home address. The letter indicated that " THIS IS A DEMAND FOR PAYMENT '' and asserted that I had an outstanding balance with a Green Trust Cash in the amount of {$350.00} principal, {$200.00} interest, and {$120.00} in fees. However I have had no financial dealings with any such company. Over the summer, while I was out of town on vacation, I received an email from my employer informing me that representatives of a Green Trust Cash had called repeatedly attempting to verify my employment and were extremely rude. There were also a number of messages on my home answering machine from a variety of companies allegedly attempting to " verify the application I submitted online. '' However, I made have made no applications for any type of credit online ( or anywhere else for that matter ).
My wife died last year XXXX/XXXX/2015 She had a credit card with Bank of America. 
It is not and never was my account. ( I was an authorized user only ) I never gave permission to Bank of America for this account to be my responsibility. 
Bank of America put my name on this account with out my permission. 
When my wife passed away Bank of America took my wife 's name off the account. 
Bank of America then put my name on the account alone with out my permission. 
I sent certified mail from the time of discovery disputing this account to Bank of America. 
Bank of America refuses to prove I have any responsibility for this account. 
Bank of America is hurting my credit and demanding payment and collections.
They consolidated them without my consent as well as going from federal to private without my knowledge. They went back and forth between subsidized and unsubsidized a couple times according to my Navient account and it seems like every time it changed there was a new listing in my credit because there are several items reported on my credit by them some of which seem like duplicates.
Upon Gradutiong from XXXX XXXX XXXX University I had signed up with a program called " The Student Loan Relief Department '' and was under the impression that all of my loans would be consolidated by joining : in which I was 1st asked to make a payment of {$240.00} by XXXX/XXXX/2016, but in which was taken out of XXXX XXXX Account on XXXX/XXXX/2016 in which I did in a signed document in which I received several " fail to sender notifications '' & that it was signed incorrectly. and a later payment of {$240.00} as well all totaling up to XXXX. Afterwards I contacted my bank as stated and they tryed looking into where the {$240.00}. During the process in between the wait time of the 1st payment until now, I heard negative things about doing so, thus I contacted FAFSA, Navient and several Federal Govenment Aid programs asking about the whole process in which I was looking to get completed. Shortly after doing so I 'd realized that things just did n't quite match up and had serval hard times contacting the company & speaking with an Agent/Representative, at times I was able to do so, but not as often as I 'd like to secure become 100 % comfortable with my decision. It never seemed to be enough though, so I recently tryed backing out of the program or at least stop the process for a brief period of time until I could gather myself and get all of the information needed upon doing my research until that point, in which as stated I 'd done so ; sadly though I was told that program did n't offer a refund in regard to all the research they 'd supposedly do n't in locating my info to further the process. Overall thus is has occurred to this current date XXXX/XXXX/2016.
On XX/XX/XXXX I filled out an online application with Big Picture Loans. The loan was for XXXX with a total monthly payment of XXXX for 10 months.I agreed to those terms.The true payment is XXXX for 26 months or XXXX for an XXXX loan.Once the loan funded I was able to see my truth in lending document which shows an interest rate on 697.09 % on an XXXX loan. I called the company on XX/XX/XXXX and was told that since the documents was already signed and money deposited that there was nothing I could do. I was told that they do not operate under US law and that they operate under Tribal law. They are now calling me daily. I explained to the representative that I will gladly pay back the XXXX however was told that XXXX would only cover the interest. Im at a loss of what to do.
I called Transunion XX/XX/2017 at XXXX and spoke with XXXX XXXX # XXXX concerning a dispute I sent to Transunion concerning a dispute in regards to a Tax Lien on my report. I requested that Transunion verify the debt and provide me with the information regarding that debt as I am unaware of where it came from or why. XXXX advised me that Transunion does not verify debt and that it will remain on my credit report for the next 7 years. She advised me that there was no investigation completed to determine if the debt was indeed a valid debt and they would not be investigating the tax lien debt that is in question is indeed valid.
On XXXX I went into XXXX of XXXX, I wanted to trade in my XXXX that I purchased there almost XXXX years prior. I was having anxiety driving the SUV because it was too wide and I kept scratching it. I was always driving it to my medical appointments in XXXX and the parking garage was always a nightmare for me. 

I was diagnosed with a XXXX in XX/XX/XXXX and I found the SUV overwhelming. I had XXXX so I thought that a XXXX would be easier for me XXXX XXXX. Of course I know sales people are there to make money. And they did make plenty of money off of me. I was at the dealer for over XXXX hours. I was in a total state of XXXX, I could not even remember the terms or the pay off, and the downpayment amount they were contributing with via promotions kept changing. 
I just knew I could no XXXX XXXX the SUV and I had to get a smaller vehicle. I had no choice. I had to feel safe driving. 

I called and emailed them several times to let them know that the lease/loan that I received from them was causing me a great deal of anxiety and that I felt very confused about the lease. I had never leased a vehicle before. I continued to be confused and have major XXXX. So I called again to see if there was any way to purchase the vehicle because I did not want to pay {$830.00} a month for a vehicle I would not own. 

Since then my medical XXXX has become worst. I can only work 3 days a week. I was diagnosed with a XXXX and I also have a XXXX called XXXX It is when your body makes too much XXXX and it gets trapped in the XXXX and causes XXXX. The XXXX builds and affects every part of the XXXX. Major side effects are XXXX, XXXX, XXXX, XXXX. I feel this is a huge reason why I just did not understand the loan/lease situation. I just knew that I was so freaked out driving the SUV. So I was very very confused and overwhelmed and they kept me there for XXXX hours. It is documented that both my diagnosis affect judgment and can cause great XXXX. I have all the medical documentation as well as all the XXXX and XXXX and XXXX that I have had to endure. This diagnosis has created a lot of stress in my life. I tried to get help from XXXX but they ignored me. And I feel this is a very serious and unique situation. I am also on a medication the controls the XXXX fluid, however the side effects also cause XXXX and easily confused and overwhelmed.
I am submitting this claim because I had a Citibank AAdvantage Executive World Elite MasterCard and on the anniversary of my credit card account, Citibank very unethically charged me the {$450.00} annual fee and then closed my account a few days later without notice and without an explanation. 

The Annual Fee includes a host of benefits, including a 1 year membership into the XXXX XXXX XXXX XXXX. Therefore, having been charged the fee, I expect to receive the benefit. 

Counter to any intuition, Citibank canceled my card, canceled the XXXX 's XXXX membership, and refuses to refund the {$450.00}. Therefore, Citibank has been unjustly enriched since I was forced to pay for a benefit I never received. 

I called Citibank Customer Service and they wouldn't help me. So I wrote a letter to the Citibank Executive Response team and they ignored my request to refund the {$450.00}. 

This has prompted me to file this complaint.