WillisBack/dataset-financial-user-claim huggingface dataset:
Recently I went to  XXXX    XXXX   to open an account. I was denied b y Early Warning.  I requested a copy of the consumer report, where to my dismay, I found several inaccuracies.     Please note that I was a victim of identity theft, and attached is a copy of the corresponding police report. Moreover, I also recently filed bankruptcy and some of the accounts were included in the bankruptcy.  See Bankruptcy Notice of Filing and Discharge.      I have also included a copy of my most recent   XXXX   report which will substantiate this information for you as well.
I tried to take {$500.00} out of the atm on XX/XX/2018 but when I tried the atm said that it couldnt disburse that amount and I needed to enter a lower amount, so I tried again with {$300.00} and it said the same thing. At this point I gave up and canceled and took my card and left. Later that night I checked my online banking account and say the {$500.00} on my statement it said it was disbursed when it never came out. So I called and filed a dispute and they just informed me it was denied and they are basically stealing my money and Im very upset. Please help me
Upon review of my credit report on XX/XX/XXXX, I found a listing for Account Resolution Services. It is reported as a emergency service related debt, and the company being the debt collector.
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I have no history of emergency services need, and have never utilized emergency services. Upon request of validation of this debt, none was sent to me by the company. Reportedly, this was also validated by XXXX XX/XX/XXXX, when I made a request through XXXX after asking them to have the company produce validation. Again, I have not received any documents showing how this account was validated or copies of my signature. I am concerned that this was placed on all three of my credit reports in haste, and I am being charged and penalized for an account I never owned, nor received services for. Not only have I never received services for any emergencies, I have no minor children, and would not be billed for any child I have under the age of XXXX.
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Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in your file at the time of this request concerning the accounts that they are reporting in my credit reports. I have asked that they dont respond to my request by saying that these accounts have been verified, as they did with XXXX. I have asked for validation, not verification. I would like copies of the documents that you have in their files related to services they are demanding payment for.
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XXXX XXXX Law Dictionary, 6th Edition XX/XX/XXXX defines " Verification '' as, " Confirmation or correctness, truth or authenticity, by affidavit, oath or deposition in averments or statements of party. '' What this means is that their company must be willing and able to produce a document that provides the account ( s ) in dispute belong to me, and the information being reported is accurate and they must be able to do this in a court of law. Their failure to provide me with verifiable proof required to post the account is evidence that the account never existed and therefore is proof that they can not properly " verify '' the account.
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If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they need to be deleted immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing theses inaccurate and unverified items on my credit reports which are distributed to 3rd parties they are damaging my reputation and credit worthiness.
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Under the FCRA 15 U.S.C. 1681 ( i ), all unverified accounts must be promptly deleted. Therefore, if you they unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below within 30 days of receipt of then they must have their account removed from my credit reports. It has already been 30 days, and they are already in violation.
America 's Servicing Company ( ASC ) is refusing the borrower 's legal representation to speak on the borrower 's behalf and is also refusing the borrower 's right to obtain information on the the borrower 's own account. ASC was sent Notice of Representation on XX/XX/XXXX ; hereto attached. ASC did not send acknowledgement of his representation until XX/XX/XXXX, hereto attached. The XXXX XXXX XXXX XXXX XXXX XXXX has continued to represent the borrower to date. All correspondence relative to this account is mailed to the address of the XXXX XXXX XXXX XXXX XXXX XXXX. ASC Correspondence began to reflect an associate attorney XXXX XXXX XXXX XXXX the XXXX XXXX XXXX XXXX XXXX XXXX as the authorized representative without instruction from the borrower or The XXXX XXXX XXXX XXXX XXXX XXXX and is no longer allowing the borrower or the borrower 's legal representative to obtain any information on the mortgage. The borrower has a sale date approaching on XX/XX/XXXX. The first authorization took a turn around time of over 2 weeks for ASC to process the authorization. If ASC takes 2 weeks again to process the Notice of Representation as being requested again it will surpass the borrower 's sale date. This is truly a misjustice to the borrower as well as many other Homeowner 's faced with these unethical practices. On XXXX we attempted XXXX phone calls to speak on behalf of the client and were given XXXX different responses each time we called ; At the end neither the borrower nor the attorney were able to obtain mortgage information due to the borrower being represented by legal counsel. We are requesting an immediate escalation to this matter due to the pending sale date. We are requesting for ASC to reflect the correct represenation as prescribed in the Notice of representation as The XXXX XXXX XXXX XXXX XXXX XXXX. Attorney XXXX XXXX also reflects his name misspelled in all correspondence received from ASC. The authorization should not list an associate attorney of the Law Firm as the authorized representative but should reflect The XXXX XXXX XXXX XXXX XXXX XXXX. ASC continue to stated the XXXX XXXX XXXX XXXX XXXX XXXX is not longer authorized but continues to send all correspondence to said Law Office 's address.
I was misinformed the entire time of my loan approval process and lost {$2000.00}. I was told I was approved for the house more than a month ago. 2 days before the option period I was told unfortunate news that it was there was so confusion and I would need more money to close.. I then asked if that was all that was needed along with paying off requested accounts and I was told yes.. After the option period I was told interest jumped on me. I accepted and we moved on agreeing that I would have to sell a truck on my name. Then a week before closing I was told a mistake was made with entering my yearly income and was told could not close till I got yet another account cleared. I was completely told the wrong information the entire time along with mistakes made that weren't mine. Outcome - We did not close and I lost {$2000.00}.
On XX/XX/XXXX, I signed an agreement with a private party that was renting their home as a vacation rental. That party requested a deposit via PayPal to secure the booking. I sent the funds as instructed via PayPal. Something didn't sit right with me when I saw that the funds that I was sending via PayPal to a person that supposedly lived in Arizona ( next door to the rental home ) were sent to the recipient as XXXX dollars. So, I researched the home and saw that it had sold in XXXX. I confirmed with the realtor that the person who booked the reservation with me was not the owner. I then emailed the party that I sent the funds to via PayPal and immediately cancelled the agreement ( on XX/XX/XXXX ) and per the agreement was entitled to a full refund. I also filed a complaint with PayPal regarding the fraudulent transaction. The party that was fraudulently renting the home replied to me and said he had processed the refund through PayPal and requested that I not file a dispute with PayPal since he was refunding me in full that day. Since then, obviously, I have not been refunded, nor have I been able to get a hold of the man. Also, PayPal denied my dispute request ( twice ), with the following explanation : " Unfortunately, this payment was sent as a Friends and Family payment, rather than a payment for Goods or Services. Friends and Family payments are not eligible for PayPal Buyer Protection. Going forward, to protect yourself, please send payments for Goods or Services when a shipment or service is expected. Friends and Family payments are intended to send money to friends or family, with no expectation of receiving merchandise or services. PayPal is not able to enforce a refund on a Friends and Family payment. 

We have completed our investigation of your case and are denying it. After careful review, we have found the transaction was processed correctly and in accordance with the disclosures provided to you. The disclosures provided to you indicated {$1000.00} CAD would be transferred to XXXX no later than XX/XX/XXXX. According to our records, {$1000.00} CAD was delivered to XXXX on XX/XX/XXXX. Because the transaction completed correctly as disclosed, no error occurred. '' This is a significant amount of money stolen from me via PayPal and they aren't providing any assistance in recovering it or preventing this person from continuing to do so to others. Hopefully, there is some way of getting my money back and finding/stopping the person who is behind this PayPal account.
Midland Funding LLC keeps reporting on a debt thats 8 yrs old and threatens to take me to court to sue me for that debt. The statue of limitations has passed, I 've disputed the debt, it was removed and then they reported it again and now it 's back on my credit reports.
I have received a collection notice from Linebarger Goggan Blair & Sampson for {$18.00} for License # XXXX. Their office confirmed that this is for tolls incurred in XXXX via Florida 's XXXX XXXX. In the time I have owned this vehicle and had this license plate, it has never been near XXXX. The office is uncooperative and unwilling to adjust the debt.
On  XXXX   XXXX ,  XXXX  I brought a  XXXX   XXXX   XXXX  from  XXXX   XXXX   XXXX  in   XXXX     XXXX , I had just joined the  XXXX  and was heading to  XXXX   XXXX , California to be stationed. Within the first week of having the car, I had to take it back to dealership five time to get work done on it. I got tired of doing that I contacted their big man in charge, he informed me that they were not suppose to sell the car because it was n't ready to be sold, on top of that, the Lady who sold the car to me which later I found out fired, told me that I had GAP insurance and come to find out I didnt, the reason she got fired was because she did alot of lying. I currently still have the car.     I have tried to do numerous times to get them to work with me and they never would.     In  XXXX  of  XXXX , I got stationed in  XXXX ,  XXXX , I have my mother Power of Attroney for my car after I tried to turn the car back in after having some many issues with it and I was told I can not turn it in, and they would contact my   XXXX   XXXX   XXXX   XXXX   XXXX   if i did. So while in  XXXX  my mother had POA because we would be on  XXXX  alot and communication is not the easiest, they did not want to talk to my mother so they wasnt receiving payments because they did not want my mother doing it and they wanted to talk to me which was impossible.     While on  XXXX  about a year,  XXXX   XXXX   XXXX  decided to set up a court date and we turned in all paperwork stating I was on  XXXX  and that I could not come to court for missed payments, so they garnished my wages and currently is still garnishing my wages for the full amount of the car not just the past due which totally incorrect. From my knowledge, if someone is on  XXXX  and can not make it to court they can not do that and that if my wages are being garnished they are responsible for providing me with a monthly statement of how what my balance is and I have yet to receiv e one in  the year that they have been garnishing my wages. Everyone I have spoke to about this company talks about how unprofessional they are how they just try to get over on service members. Please help me, they are ruining my life.
The bank has committed a gross violation of it 's fiduciary responsibilities by not allowing the withdrawal of funds for well over a month when MORE than sufficient documentation has been submitted.
I have made an international money transfer through a major Financial services company.After 1 week I received an email saying transaction was cancelled and i will get refund soon. Almost daily i am calling the customer care for the refund. Its been XXXX weeks i am waiting for the refund. I am suffering a lot XXXX because of this issue. Please Help me.
I submitted an application to Citimortgage on or about XX/XX/2018 for a loan modification on my mortgage which converted from an interest only loan to an amortized loan with a 20 year amortization in effect more than doubling the payment. The home is underwater as well but would like to keep it as we have lived in the home for more than 16 years and have children in school. I have been submitting any and all requested documents on a timely basis and have kept in constant contact with Citimortgage and thought things were moving along when on XX/XX/18 I received a letter from a law firm representing Citimortgage demanding full payment of the mortgage plus penalties and interest and says in paragraph 6 of the letter that the law firm can file a foreclosure immediately and does not have to wait 30 days for a reply. I have additional correspondence from CItimortgage stating that we do in fact have an ongoing application for modification relief at this exact time period. I also received a phone call from a Citimortgage collection account employee on XX/XX/2018 at XXXX CST who identified himself as " XXXX '' - he said his purpose of the call was to see if we were going to pay off the balance of what's due ( he quoted a number ) and then when I said I had a modification in review right now he paused and said we were in foreclosure and said he could transfer this call to " litigation '' if I wanted to speak to them. I did and he tried to transfer but I was disconnected. Today XX/XX/2018 at XXXX CST I received a call from " XXXX '' at Citimortgage employee ID number XXXX who also said I was in foreclosure and asked what my intentions were- I said I was in a modification review and she placed me on hold for a long period of time and came back on and asked me to keep holding - I couldn't because I was at work. It seems like a case of " dual tracking '' and that's my complaint.
My Mortgage loan is serviced by Flagstar. When I fell behind I began working with XXXX and was also assigned a Single Point of Contact ( XXXX XXXX ) at Flagstar. I have several recordings with Flagstar trying to get in contact with my XXXX XXXX XXXX yet after numerous calls, request for a direct email, or a direct contact number I have been told that anyone in customer service could help with my loan. I had filled out Loan Modification Documents and mailed them back to the specified address yet the documents were never received. I would have Flagstar customer service then mail out new modification documents and remain them only to have the same outcome. Now I am facing foreclosure in 2 weeks and I speak with a customer service rep. that tells me I can simply upload my Modification documents thru my online loan account. I immediately go online to access my account in which I find I am LOCKED OUT OF! I call flagstar customer service and tell them the issue and have them reset my account. I upload the modification documents as well as my XXXX documents and Point of Contact with XXXX. With only 2 weeks away from foreclosure I just received a letter from Flagstar stating my NEW SINGLE POINT OF CONTACT WILL BE XXXX XXXX!!!!! With only XXXX weeks to foreclosure I am terrified I will not have enough time to finalize either my loan Modification or HomeSafe Approval.
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) placed {$4200.00} in collections without notifying me about the debt, attempting to take the debt from my bank account, etc. I learned about it because my XXXX  credit card closed due to a " serious delinquency ''. My Transunion credit report shows that my XXXX account is in collections. My credit score has fallen more than 100 points because of this error.
I have previously filed a complaint with your company. This is the reference number XXXX. My home equity account with Bank of America is XXXX. I missed your email notifying me of Bank of America 's response so I missed the opportunity to dispute its response. I did however begin working with XXXX XXXX, the person who sent the response and was assigned to be my case manager. I resubmitted all of the documentation to B of A, for at least the third time. In XXXX, he contacted me that underwriting was requesting information ( because I listed my wife as a partner on my company, they wanted her profit and loss statement, even though I had already given a profit and loss statement for the company showing no income to her, and had also given a statement to B of A about her total income for that year. ) I gave XXXX XXXX that info over the phone and he said he would check with underwriting. In late XXXX I was again knocked out of the program for not providing documents, in spite of my previous conversation with XXXX XXXX -- ( important note : the information underwriting requested could easily be ascertained from other documentation already in its possession. This unnecessary request fits B of A 's well documented bad behavior that resulted in the DOJ settlement ). I again contacted XXXX XXXX, he told me to send specific information, which I did within 24 hours ( I have to drive XXXX miles round trip to the nearest B of A or pay to fax from my computer -- something I have had to do numerous times in this process ). I have not had any more contact from B of A. I have contacted XXXX XXXX several times requesting an update and he has not returned my calls. 

I also want to again complain about not being included in the DOJ settlement. In the B of A response, they said that I was not eligible, yet they have refused to reveal what criteria they used to determine my eligibility. They simply say that if I had been eligible, I would have been contacted. What is certain is that I owed more than my house was worth when they began notifying homeowners about the DOJ settlement. 

I will also add that B of A 's actions have created a great hardship to me. My monthly payment is more than half of my income. I have been advised by lawyers to simply quit making payments, but I do not want to risk losing my home because I fell victim to B of A 's predatory loan practices.
XXXX XXXX XXXX XXXX XXXX XXXX Group is calling me saying I have not paid on a payday loan from 2008 saying if I do not pay them I will go to court. I said I want proof sent to my house of this loan default and they said they will not send anything to my house until I give them my credit card information and set up a payment I did that and fell for it and they got XXXX payment of XXXX dollars and then I stopped it. Its been three months since then and noting is sent to my house I now know this is a scam looking up this number on XXXX and the HUNDREDS of complaints about them and this phone number.. I never took out a loan and it never showed up on my credit report ever. So they got XXXX bucks from me and I closed out my debit card. I told them to take me to court then. So they called and said they sent all my information to the county I live in and consider myself served if I dont pay the rest. OVER THE PHONE ON A RECORDING too boot.. So now I know for sure that its a scam. Now they got a hold of my sisters phone number after I have blocked them and probably will be calling my work soon. Please get them to quit calling me they will not give me any information about themselves except the phone number and the name she also said they are located in XXXX New York probably a lie. I know I lost that XXXX dollars that 's not the issue. Just want the calls to stop and a miracle these people go to jail. 

Thanks
On XXXX, I learned from my friend about a Checking account promotion CITI bank is running ( XXXX XXXX points after meeting requirements within 90 days ). I contacted CITI bank on XXXX/XXXX/XXXX via their Online Chat and asked the representative XXXX to check my eligibility for the promotion. CITI representative asked me " Do I have a Credit Card with CITI ''. I replied " I have XXXX. XXXX of them are XXXX card ''. After learning that, CITI representative informed me " promotional offer is for all existing credit card client who does n't have any deposit account with CITI ''. I told her I do n't have any checking or saving accounts with CITI. CITI representative offered me the promotional offer code XXXX to use when opening the account. ( I have the Chat copy that i can provide ) I opened Gold Checking account by end of XXXX and completed all requirements by XXXX. On XXXX/XXXX/XXXX, I contacted CITI bank again by online Chat and asked CITI representative XXXX to verify that I completed all the requirements for the promotion. She took some time to verify but came back and confirmed all requirements are complete and I should receive my promotional points shortly. ( I have a copy of the chat ) After waiting few months and not seeing any points posted, I asked CITI representative the status of the promotional offer. They created a ticket for me and told me to wait for a response. I recently got the response from CITI bank saying " Promotion was invite only and I was n't Invited. '' When I replied back telling them about the conversation I already had with different CITI representative before and after opening the account, CITI stopped responding to my request.
THEY ARE A FRAUD.. 

THEY TAKE INFO > > NEVER GIVE YOU YOUR REPORT. 


I filled out all my information with my SS number,, because you said XXXX was safe and federally covered.. 

it stops,,, after all information, then says click on next,, ( to get those FREE REPORTS ) there is no NEXT BUTTON I believe they are a hoax and have stolen my identity.