WillisBack/dataset-financial-user-claim huggingface dataset:
We received XXXX insurance settlement checks in XXXX this year for a claim from storm damage. XXXX check issued for {$10000.00} to XXXX XXXX and Bank of America as payment towards the estimated loss of {$24000.00} for water damage to our basement. A XXXX check was jointly issued to XXXX XXXX and Bank of America for XXXX for the storm roof damage. After several attempts to work with the bank, they are refusing to release the funds unless we have a general contractor fill out a XXXX and received payment for both checks. Bank of America wants to issue XXXX check to XXXX XXXX and a general contractor for {$18000.00}. 
Since the insurance settlement payment was much less than the total loss, we did most of the contracting ourselves and hired individual contractors to do the work. 
The problem being that no one wants to be on the XXXX check as they will be charged taxes on the entire amount even though they are only completing a small portion of the work. 
At this point we are at an impasse with the bank and now the bank is encouraging us to get a construction loan and to forgo the insurance settlement.
On XX/XX/XXXX, I discovered that my personally identifiable information may have been disclosed without authorization due to a data breach. On XX/XX/XXXX, I mailed a Free Annual Credit Report form to the Free Annual Credit Report service, asking for a free copy of my credit report from TransUnion, if it existed. On XX/XX/XXXX, I received a response from TransUnion stating that they did not find a credit report based on the limited details I provided, but that they could perform a more thorough investigation if I asked.

On XX/XX/XXXX, I sent a reply to TransUnion, asking for a reinvestigation. I included copies of my official identification documents that TransUnion desired to have in order to perform their search. I asked them to conclusively inform me whether or not a credit report existed in my name, and if so, to provide a copy of it. On XX/XX/XXXX, I received a response from TransUnion, which again stated that no credit report could be found based on the information I sent to them, but did not conclusively state that no credit report for me existed within their database, as I requested in my letter.

On XX/XX/XXXX, I sent a second reply to TransUnion, again asking for a reinvestigation, and emphasizing that I desired a response in clear and unambiguous language that I either did or did not have a credit report in their database. With this letter, I again sent copies of the official identity documents that TransUnion requested in order to perform their reinvestigation. On XX/XX/XXXX, I received a response from TransUnion identical to the one I had identified as being insufficient.

In spite of my two clear and reasonable letters, TransUnion has failed to answer with an acceptable level of specificity whether or not I have a credit report.
XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I didn't authorize this inquiries on my report. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$770.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$340.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$280.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$180.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$72.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$2200.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
XXXX XXXX  who is owned by XXXX XXXX XXXX XXXX, XXXX contacted me by text message on my cell phone after I asked them not to communicate that way. This is a violation of TCPA and FDCPA. I have asked XXXX XXXX XXXX to communicate with my authorized Representative, but have not gotten a response, which is why XXXX XXXX XXXX XXXX needs to now handle this. Please contact XXXX XXXX regarding this matter XXXX ASAP.
I was never notified from ruoff my lender that my loan had been sold to XXXX. My payments were returned after I received a letter my mortgage payment was late with a new company I 've never heard of. I 'm furious they also ca n't etc up biweekly payments for another eek or so
I have a PayPal Cashback MasterCard credit card issued by XXXX XXXX. 
On XX/XX/2018, I tried to use my card for an online purchase costing {$0.00}. 
During checkout, MasterCard SecureCode failed to send the One-Time Passcode ( OTP ) to the email address I provided for the  transaction. 
Since it failed to send the OTP thrice, I had to cancel the transaction and use another credit card for the purchase. 

When I called XXXX XXXX Customer Service, they said I should call MasterCard Customer Service since MasterCard ( not XXXX XXXX ) failed to send the OTP. 
When I called MasterCard Customer Service, they said XXXX XXXX does not participate in the MasterCard SecureCode program.

In other words, they said I could not use the XXXX XXXX credit card for online purchases which required an OTP from MasterCard
SecureCode. 

So, I called XXXX XXXX Customer Service a second time for help with the issue. 
During the second call, the Customer Service representative : 1. first successfully verified the details I provided to prove my identity ( first & last name, last 4 digits of SSN, phone # on file, mother 's maiden  name, etc. ). 
2. then : a. refused to send a verification code by text message to the phone # on file. 
b. refused to send a verification code by text message to the phone # I was calling from. 
c. refused to send a verification code by email to the email address on file. 
d. mentioned he could send a verification code by postal mail but did not confirm if he sent it. 
3. transferred my call to a woman who said my account was blocked and would remain blocked until I proved my identity by : a. uploading a 5-second video of my face and the front and back photo of my Driver 's License at a verification web site. 

When I explained to her I had called to seek help with a failed transaction, she curtly said since I was talking to her over the phone there was no proof I was the account holder of the credit card! 
All this for a transaction involving {$0.00}!
1 ) On XX/XX/XXXX, {$420.00}, I submitted a Debt Verification Request Letter to the company 2 ) I received a response from the company which included a billing statement which is not proof that the debt belongs to me.

3 ) XX/XX/XXXX, I submitted another request for verification of the debt to the company 4 ) XX/XX/XXXX, once again, I received a duplicate billing statement but nothing with my signature or proof that the debt belongs to me.

5 ) XX/XX/XXXX, I submitted a request to all three credit bureaus to remove this debt from my credit report, due to the lack of response to my request for debt verification.
The aforementioned credit collection agency representing The XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Midwest Recovery Systems does not have any documentation, they need to retract this from my credit file immediately.
XXXX with National Credit Adjusters has called my work harrassing my employer and asking improper questions about me. I am a XXXX and absolutely can not get ANY personal calls at work. We do not have a designated work phone. I have never given NCA permission to call me at work.
I received a call from lender trying to set up a payment for me to pay my private loan that went into default. When they told me the balance i asked about the interest rate and the interest was sky high. I borrowed XXXX and at this time its currently XXXX. Its amost impossible for me to repay this loan back soley because of the interest that accumulated. I tried to get more specifics on the loan and was unable to get them to give me clear answers or any information for that matter. I asked about getting a lower interest rate and the only options they gave me where to do a payoff or settlement. I cant see this loan ever been payed off and I need help.
I am filing this compliant this because Equifax has ignored my request to provide me the documents that thier company has on file that was used to verify theses accounts, Being that they have gone past the 30 day mark and can not verify these accounts. under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which not can not be verified that have disputed. Please reslove this matter as soon as possible. Thank you
This company took {$300.00} out of my checking account without my permission starting on XXXX XXXX, 2016 XXXX web id XXXX
On X/XX/17, I purchased a property from XXXX. Shortly, thereafter, I was called by a representative from Kondaur Capital Corp. stating they held a senior loan on the property ( taken out by XXXX XXXX, deceased ) that I purchased and demanded I complete a payoff to prevent foreclosure of his mortgage. ( Neither me or my corporation have any contractual obligation for those debts. ) During our email conversation, I instructed both both the representative, XXXX XXXX, and the main office that I only wished to be contacted in writing to the address listed on the state of Florida 's Division of Corporation for my corporation. However, they continue to email me to threaten me with foreclosure and to pressure me into accepting their offer for {$3000.00} in exchange for my deed in lieu of foreclosure for a property that I have over {$70000.00} invested in. Because I have consistently declined that offer and have stated that there would never be an acceptance of such an offer, continued emails to make such an offer are harassment, which is illegal. The most recent email came in yesterday at approximately XXXX XXXX. I want this activity to stop and for KCC to be held accountable to the fullest extent of the law for their unlawful debt collection practices.
The hospital    XXXX   XXXX   XXXX   XXXX   erro neously billed me for procedure in the amount of {$1200.00} My son   XXXX   XXXX   XXXX   and  one  of the many doctors who saw him  in ER w as not an  XXXX  provider ... we had no idea about this at the time ... after several attempts to clarify with  XXXX  i then worked with  XXXX .  XXXX  reissued the explanation of benefits. In the interim,  XXXX  sent the bill to collection attorney  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . I contacted them and informed them of the error and they made note in the file. I then received a notice in the mail from  XXXX  County New Jersey  Court  case #  XXXX  saying I needed to be in court. I was very worried and set up a conference call between the collection attorney and  XXXX .     A few weeks later i received revised explanation of benefits from  XXXX  saying the amount i actually owed was {$700.00}. Then i received another letter from collection attorney saying there was a " one time '' incentive program with the hospital and I owed {$370.00} which i immediately paid. However, my credit took a huge hit and it is still saying on reports that the claim is still open. How do i correct this misinformation? thanks you
A student loan issuer negligently processed three loans fraudulently identifying me as a co-borrower without my knowledge. The first loan date was in XX/XX/XXXX for {$7200.00}. The second loan date was in XX/XX/XXXX for {$15000.00}. The third loan date was in XX/XX/XXXX for {$12000.00}. Through the entire processing of the three loans, the student loan issuer did not contact me nor did I participate in anyway in the application process and had no knowledge of the loans until I was harassed years later with collection related phone calls and letters from the student loan issuer when the student who applied defaulted on the loans. The adverse information reported to the credit bureaus by the student loan issuer is inaccurate. The student loan issuers gross negligence in processing and approving these loans without verifying my supposed role as a co-borrower has put my credit history at great risk and has caused me a great deal of XXXX.
Carrington Mortgage has advised I had an escrow shortage of {$700.00} which raised my monthly payment from {$810.00} to XXXX, they have advised again within 90 days that my escrow was short by {$700.00} and raised my monthly payment again from {$890.00} to {$910.00} within 90 days. 

This is absurd. I have never in the entire time I have had my loan had this happen while I was with XXXX XXXX XXXX.
50 days ago, I sent a letter to Equifax. In my letter, I identified information that was reporting on eight separate accounts. I asked Equifax to conduct an investigation on the inaccuracies and respond back to me as soon as possible. As I understand it, they are supposed to respond within 30 days. But like I said, its been 50 days and they have not responded yet.
Navient is the private loan servicer. I am the cosigner for my son. Originally these ( XXXX loans ) were XXXX XXXX loans. I have been paying on the loans since XXXX. Loan XXXX was disbursed in the amount of {$21000.00}. To date I have paid over {$17000.00} on this loan. The outstanding balance is {$17000.00}. XXXX was disbursed in the amount of {$31000.00}. To date I have paid almost {$20000.00} on this loan. The outstanding balance is {$24000.00}. I submit that the fees and interest on these loans are predatory and unethical. Consequently, I have retained counsel to help me navigate a course of action. Repeatedly Navient has refused to help me over the years with a reasonable payment plan and reduction of interest and fees. Finally in XXXX of XXXX I discontinued my payments to Navient after receiving a bill for XXXX that indicated that my most recent payment of {$130.00} only lowered the balance by {$46.00}. Although I have retained counsel, CFPB needs to be aware of the predatory practices of Navient. I have retained counsel for 6 months and to date, although we have offered a reasonable amount for a monthly payment, Navient has refused to cooperate.
I was contacted by this law firm today XXXX17 in regards to an auto accident i was in they were attempting to collect a debt due for the damages to the other person, when i returned the call to the lady XXXX she asked how i was going to pay i advised XXXX that i could not pay that amount and i would need an extensive payment plan, XXXX then stated that i need to pay her 50 % which would be XXXX then 5 % which is {$1000.00}, i advised her that i can not afford to pay that upfront but i would be happy to pay her what i can afford until the balance is settled in full, she refused to accept anything lower and then attempted to bully me over the phone and threaten me to have my license revoked into scaring me into paying money i do n't have, i then called back and requested a manager and another lady answered the phone who also became abrasive and a bully and refused to let me speak to a manager I will not be bullied by a debt collector or threatened into paying a debt.
XXXX XXXX called from Ashton & Weinberg claiming they were attorneys and collecting on behalf of XXXX XXXX in XXXX. MA. Although I was polite and professional and explained as I did to XXXX XXXX that we were going through a difficult time and had all intentions to pay The {$1000.00} dollars that couldn't at this time. XXXX then went on to call me scumb bag and low life when I told him I was uncomfortable giving him my debt card number. I told him I didn't appreciate his attitude he continued to call me scumb bag I told him I would be calling XXXX XXXX and that I couldn't believe that they would hire a firm like his. He said go ahead call them and I will see you in court. I have recordings of Voice mail threatening legal action and further unprofessional demeanor and harassment from him. Three week ago my business account and personal checking account were hacked and cleaned out the case is being investigated by XXXX XXXX Fraud Department. New accounts have been issued and we are very careful of giving account info out over the phone at this time. The issue with regard to amount owed will be dealt with XXXX XXXX directly and we will not communicate with this firm.
I have been in the process of trying to do a deed in lieu with CitiMortgage officially since XX/XX/XXXX when I vacated the my home. I have had several different negotiators and they are have just been stone walling me. I have a second mortgage which I had to get approval from them to accept the settlement offer that Citimortgage as offering to them. XXXX XXXX finally accepted their offer but now My negotiator keeps stating that she is not receiving the documents that have been sent over to them. I had to get an extension from XXXX XXXX because of CitiMortgage. We obtained the extension which was until XX/XX/XXXX because Citi needed a 30 day time span. XXXX XXXX sent them the extension on XX/XX/XXXX and I sent it to them on or around XX/XX/XXXX. <P/>My Citi negotiator does not respond to any of my questions and now I am again receiving a request for the extension along with the XXXX forms all of these items have been sent to Citi on 3 or 4 occasions. <P/>I emailed a compliant recently to Citimortgage and am waiting on a response. However I emailed a complaint to Citimortgage in XX/XX/XXXXand the only thing that happened was I received a letter from XXXX XXXX in response actually trying to blame me for the reason it is taking so long for my deed of lieu to complete. <P/>I need help with Citimortgage. My negotiator does not read my emails and I want this issue to come to a conclusion. The longer it take my negotiator to do her job the worse my credit gets. unfortunately I lost my job and was unable to keep up with the payments on my mortgage. Citimortgage was suppose to help me and make this issue go smoothly. Their own paperwork stated that the process should take only 2 months. I lost my job on XX/XX/XXXX. In XX/XX/XXXX I advise Citimortgage that I would not be able to make payments, I put my home on the market and because of where we lived I was unable to sell my home. <P/>I know that Citimortgage does not care if this process goes through or not but there is a system set up for them to help me to complete this deed in lieu and they are to doing their jobs. <P/>Citimortgage has turned this process into an absolute nightmare and I need help from someone that can make them do their job so that I can begin my life over again. Any help you can give me will be greatly appreciated. Thank you.
Company called has added a note on my credit report and calls more than 3 times. 
They say they are doing this on behalf of a leasing office which claims I owe them money whereas they actually did n't pay for the damage my property suffered because of the lack of maintenance their contract has to provide. My loss was for {$3100.00}, they claim I owe them over {$2100.00}. They actually have a debt with me as they also kept my deposit of {$400.00} which accrues everything up to almost {$3500.00} without considering fees and interest.
This complaint is regarding Home Depot Credit Services who has billed me {$1900.00} in interest charges on a 24 month no interest promotion. In those 24 months, I made payments in the amount of {$4800.00} of which only {$190.00} was applied by Home Depot Credit Services to the promotional balance. When I inquired, they said it was my fault for not calling monthly to tell them where to apply my payments whereas my payment should have been applied to the promotion first ( which does n't account for the {$190.00} credit that I never called them about either ). I would like to know if I have any worthwhile case against Home Depot to remove this interest fee based on my making above-the-minimum-payment each month as was required of me. Home Depot presses that it is my fault for not calling them monthly and for not reading my statement each month, which in the years XX/XX/XXXX-XX/XX/XXXX Home Depot is well aware that online banking exists rampantly and the consumer should feel safe in making regular payments through his bank without reading the " fine lines '' of every billing statement. They count on this for their bottom line as opposed to any concern for the consumer. If even just the payment amount over the minumum payment is applied to the promotional balance, in the last 12 months ( not 24, which the promotional period is for, but for which I do not have statements currently ), then I have paid {$1300.00}, with ( 1 ) shows only one of the two years of payments in the period ; ( 2 ) shows my intent at purposely paying more than the minimum to ensure against incurring an interest fee on the promotion and ( 3 ) ; still begs the question how only {$190.00} was applied to the promotion. While I do n't have the remaining statements showing what I paid above the minimum payment, I have made the request for the archived statements through Home Depot to prove that I should not have incurred the interest on the promotion, based on my having paid Home Depot approximately {$1500.00} more over the past 24 months than the initial promotional balance.