WillisBack/dataset-financial-user-claim huggingface dataset:
I left my home because of a job transfer in XXXX. I attempted to sale my home ( Loan # XXXX ) in XXXX but CitiMortgage took so long to approved it, the buyer pulled out. During that time the housing market started to deteriorated and I found myself upside down on my loan. I could not afford to pay for XXXX homes and I defaulted on my loan with CitiMortgage. I attempted a deed in lieu of foreclosure, but CitiMortgage denied it, alleging the title was not clear due to an erroneous entry for the satisfaction of a second mortgage by the previous owner. CitiMortgage have continued to charge fees on this loan for the past 7 1/2 years to the point the fees owed are more than the actual mortgage balance. I was notified twice by CitiMortgage the property would be foreclose on, but never did. Today, XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX and I requested another deed in lieu of foreclosure, but she told me because is an active foreclosure, no date set for auction, they could not do it. She said I could try a short sale. CitiMortgage never offer me any other help or recommended any solutions this situation. 
CitiMortgage continues to force me to carry this bad debt and I have not been able to purchase another home for my family.
On XXXX/XXXX/15 at approximated XXXX ET, I attempted to receive my free annual credit report from TransUnion via XXXX. After accessing TransUnion 's site and verifying my identity, I was presented with a copy of my current credit report. I immediately clicked on the link to save a copy of my report as a PDF and was redirected to a page notifying me of an error. When I attempted to return to my report via the back button, I was told that the information was no longer available, and I was redirected back to XXXX. I then tried to re-access my TransUnion through XXXX, but was told that I was inelgible to do so since I had already " accessed '' my annual report. 

Clearly my access and ability to view and confirm the validity of the report was extremely limited based on an error with TransUnion 's site or backend systems, and I feel that I have not truly been provided with a report in accordance with FCRA.
We paid off our loan on XX/XX/XXXX. Our final payment was over in the amount of {$2900.00}. 
We were told funds would be released after ten days. 
On XX/XX/XXXX, we had not received the refund of funds so called to check on refund. We learned they had been sent to our physical address where we do not receive postal service mail. We were told a new check would be issued and sent to our P.O. Box. 
We called on XX/XX/XXXX to check on status of check, as it had not yet been received. We were told ( by customer service rep XXXX ) that a check had been mailed to our P.O. Box on XX/XX/XXXX, and we should continue to wait to receive it. 
We called back on XX/XX/XXXX to check status, and were told by supervisor XXXX that a check had been mailed on XX/XX/XXXX to our physical address, and they saw no evidence of any other checks having been sent. XXXX issued a case number, and said a new check would be overnighted for receipt by XX/XX/XXXX.

On XX/XX/XXXX when check was not received, we called and spoke with manager XXXX who said that a check had been sent, but in no way expedited, and we should wait 7-10 business days to receive that check. 
The banks phone system called us back about 30 minutes later, so we ended up speaking with customer service rep XXXX, who told us a check had been mailed to our P.O. Box on XX/XX/XXXX. When we asked her about the XX/XX/XXXX check she transferred us to supervisor XXXX. XXXX iterated that a check had been sent on XX/XX/XXXX, was not able to be expedited, so we should wait 7-10 business days for that check to arrive. 
At every turn, received different and conflicting information from each representative at 5/3 Bank, and were repeatedly asked to just keep waiting to receive the refund of our money. At no point were they willing or able to provide a more constructive or traceable solution to these many checks supposedly sent, but never received by us. In the mean time they have been in possession of nearly {$3000.00} of our money for a month, they the holidays and the turn of a new fiscal year.
I opened a BarclayCard on XXXX XXXX to help rebuild my credit, after not having credit cards for a decade. During the first few weeks I signed up to their online system, and waited to receive information about my first payment. I charged some school expenses and I was ready to pay off 30 % in the first month. I never received my due date in the documentation or online. 

Finally, after calling several times ; my first payment was to be due on XXXX XXXX. I logged onto the website, entered my bank details and made my first payment. I received an email confirming the payment. A week later, I received a letter, not an email, ( the day my payment was due ) that my payment did n't go through and I needed to make a payment. I rushed to the computer and phone, and managed to make a payment over the phone minutes before it was due. I called again to confirm it was received, which it was. I received a payment confirmation. 

About a week later I received another letter ( not an email, although I had been receiving advertising emails from them ) that my payment did n't go through. I immediately logged on and called. From the website it said my account was not active. The person on the phone took my bank details, made a payment and said everything was fine, and that my next due date was XXXX XXXX. 

The next day I received a letter from Barclaycard saying after reviewing my credit report and because of my delinquency ( I assume with my first payment ) that my account was cancelled and to destroy my cards. And just today I received an {$5.00} starbucks card in the mail as a thank you. 

This company has a faulty online system that confirms payments even though they do n't go through, and their communications are confusing if not illegal. If I receive an email stating my payment was received, should n't I also receive an email saying they were not able to process it? Instead of a letter, which in the second instance took 8 days to show up. One might assume they are purposely making the process confusing as to incur more penalty payments from consumers. Notwithstanding the entire time I was receiving promotional emails from them. 

p.s. each time my payment was made there was plenty of funds in the bank account. The first time might have been a routing number issues on my part ( I have XXXX routing numbers, XXXX for wires and XXXX for checks ). However, the second payment I made on the phone to a representative. Both were confirmed with confirmation numbers on the top of the letters I 'm attaching.
I have a total of 8 paid/closed loans with XXXX. I also have a consolidated loan with XXXX ( used to consolidate the 8 loans ) 4 subsidized and 4 unsubsidized. My open loans are not the issue. The problem I am having is correcting my paid loans. Each one of the 8 loans are reported twice on my credit reports. Instead of having 8 paid XXXX  loans listed on my report I have 8 paid loans and 8 loans ( all XXXX  ) with the identical stats as the other 8 loans but these loans are listed as " unknown '' for the status. The other difference between the two lists of loans is the payment history. The " unknown loans have late payments reported up until XXXX and then the history stops. The paid loans picks up with a payment history reporting in XXXX until the XXXX when it was closed. There is a comment saying that the loan was transferred to another office but the only loan servicer is XXXX. Because these loans are listed multiple times on my Experian credit report it says that I have 20 accounts with negative indicators. Also, XXXX has not been able to provide me verification of the late payments they have listed on my report under the " unknown '' accts. I have requested verification and validation of all of this information multiple times from XXXX and Experian and no one has been able to provide me answers. I am attaching the my loan history for the ALL the loans that I have with XXXX. It clearly shows the correct number of loans unlike what is reported on my credit report. The attach documents also shows the transaction history of ALL my loans and it omits payment information before XXXX. There is no late payment information from the time the loans were opened until XXXX yet there are reports of late payments on my credit report before the payments listed in my account history.
Companies Involved : FirstBank of Colorado XXXX XXXX I am writing you in regards to the XXXX Account Updater program. Now my card was compromised a week back and my bank issued me a new card. I had the card in the mail along with a letter from my bank informing me to update important account information. Now I checked my bank statement the other day and saw that XXXX charged my account for about {$10.00}. I specifically know in my mind that I did not give out my new card to XXXX. I called my bank and explained the issue and they informed me that it is an automatic payment that updates my accounts. I did not authorize my new card number to be charged but it was anyway. My problem is not the amount but the fact that XXXX got my private card information from my bank. I am writing to you on Tuesday XXXX XXXX, 2017 as I just got off the phone with my bank FirstBank of Colorado. I asked for them to opt me out of this program but I doubt they will. This is important and big, and is something that people should know about as companies should n't be able to charge your card without you knowing or without your consent.
The first call I wastold about owing the debit. I questioned the debit and requested an invoice. The collection agency then gave me a number to call to find out more about the debt. The number was to an over seas call center who informed me they could not send me an invoice because the invoice would be marked as paid. I then call the vendor ( XXXX XXXX ) who indicated that I did not owe anything to them and they did not send it to collectiona. The vendor called debt collection and took care of the matter. A month later I received another call from this collection agency on the same debt. I indicated I did not owe this, the vendor does not think I owe them, and to stop calling me. I was then told that they would decide the matter for me. When this collection agency calls it is a robo call and even if you answer the phone they just give a recorded message to call back.
My identity was stolen back in XXXX 2008 when my purse was stolen from my person. I have the police report with the statement of theft. Today, I received a phone call at my place of work regarding a collection of debt. The company is Performant Financial Corporation and the caller was XXXX XXXX. I explained to XXXX that I am a victim of identity theft and her calling me at work was illegal under section 806 ( 5 ) of the Collection Practices Act.
XXXX charged me for services that they said were free if I cancelled within 30 days. I cancelled inside the allotted time and now they are still trying to charge me.
The debt owner is XXXX XXXX XXXX XXXX. They have been attempting to collect on debt that was discharged in a Chapter XXXX bankruptcy. I have informed numerous 3rd party collectors of this but XXXX just sends a new collector later. The last one closed their case and said they would inform XXXX after you contacted them Now XXXX is using Resurgent Capital Services in another attempt to collect on a debt they have been informed is no longer owed. 























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Discover is overstating my current balance by {$130.00} and they should give me a refund. Please contact me via email with any questions.
On XX/XX/2018 Equifax received notification from XXXX XXXX to remove the Fraudulently opened account. I have sent Police report stating I am a victim of Identity Theft and still no help. This XXXX Account along with a collection account XXXX in the amount of XXXX should have been removed back in XX/XX/2018
While looking at my credit report under the 3 major reporting companies, for example XXXX XXXX, I noticed they all had reported me as being under a Chapter XXXX on one account or another. I was under a Chapter XXXX from XX/XX/XXXX until this year when it was discharged on XXXX. I had my attorney write a letter to them but it's still shows up as a Chapter XXXX on some of the account reports. My XXXX XXXX filed a Chapter XXXX in XXXX of this year just before the Chapter XXXX was discharged but that had nothing to do with me or my Chapter XXXX per my attorney and the bankruptcy trustee since the Chapter XXXX was separated between us.
First of all, Asset Acceptance , LLC is trying to make me pay an account that I do n't remember. Their collector told me this debt started in XX/XX/XXXX with another company. This date makes the debt beyond Florida statute and the seven-year credit history. The collector also said her company had this account since XX/XX/XXXX. From XX/XX/XXXX-XX/XX/XXXX, no one has shown me the contract but this company had time to call my family asking about me after I mail a letter asking them not to call. They also refuse to show me the contract. The collector wants to tell me what on the contract in her words. I want to see it myself because she is the same collector that said she does n't know Florida 's time limit law. These are my disputes.
A check was deposited into my account that I was not aware of I previously warned my bank about a phone call I received about a week prior to the check being deposited. My bank at the time when I called them only change my account number but they still allowed items to come in and out of my account. Now I am being punished for this. The security department will not speak with me. They are making me pay for the check without even doing any type of investigation. If I didn't continue to call them about the issue they would have never gave me the option to enter in a clam. I also change my online banking password.
In XX/XX/2018, I became a victim of identity theft. Several accounts were fraudulently opened in my name. I immediately disputed the the accounts and after investigations by the credit agencies, the accounts were declared fraudulent and removed from my credit reports. In addition to the dispute, I also submitted affidavits, a police report and other documents as requested. 
However, one of the fraudulent accounts, a XXXX XXXX XXXX XXXX Account, was not deleted from my Experian credit report, although it was deleted from my XXXX XXXX as well as my XXXX reports. 
I have called XXXX XXXX XXXX XXXX and Experian numerous times and have been told from representatives from both companies that they are aware the account was not opened by me and I am not responsible for the charges yet XXXX XXXX XXXX XXXX continues to bill me for a {$20000.00} and Experian continues to show the account on my credit report. 
It's difficult for me to know who to contact to have these fraudulent charges removed, and now I'm asking for your help. 
I have all of my documentation which I can send upon request. 

Thank you, XXXX XXXX
This has been going on for about over a year and a half now. XXXX  still has not resolved the identity theft. This started when my wallet was stolen. My identity was used to open numerous accounts, XXXX  was notified of the identity theft. I have attached Police Reports and Identity Theft Affidavits to the numerous Consumer Financial Protection bureau complaints. XXXX  refuses to read the Law enforcement documentation provided in my CFPB Complaints. When I call up they Force me to verify fraud on my XXXX report as if it were my accounts or they won't speak to me. These are not my accounts. I am going to list off the things XXXX refuses to block even though they were notified and provided the proper law enforcement documentation clearly describing the crime that took place. XXXX  refuses to resolve this ongoing fraud situation. In addition to that XXXX  still has my wrong address after being notified over 15x. First thing is I have never opened any accounts with XXXX. This account is fraudulent, not authorized and I never received the card. Secondly, The XXXX XXXX XXXX XXXX account which is a credit card account shows as XXXX limit. This account is fraudulent, The limit is incorrect also I spoke to this institution which advised me the limit was supposed to have been {$15000.00} when I advised them of the fraud they say they resolved this and sent info to the credit bureaus to delete this however XXXX  refuses to delete it. Third. XXXX XXXX XXXX XXXX. I have not authorized any accounts with XXXX XXXX XXXX XXXX, In fact the last payment made was made from a person named XXXX XXXX, and Their banking institution told me that that credit card ended up being fraudulent too. Obviously I am not receiving anything from this company this is clearly fraud wasn't even opened in my name. Please Block this account. I did not authorize it. Lastly there is accounts from XXXX XXXX, and XXXX these are fraudulent accounts. I did not authorize any auto loans with XXXX XXXX, I did not authorize membership with XXXX XXXX I never signed anything for XXXX XXXX, never received any documentation from XXXX XXXX and never authorized any accounts to be opened with their institution. The line of credit, and Auto loan you show are fraudulent. In addition to that there are two Installment loans showing for a XXXX. I did not authorize these to be opened. I do not have membership to XXXX it requires you to be part of the military or in a military family. Which I am not. So clearly I couldn't obtain membership there because I wouldn't be able to qualify. I did not open these accounts these are again the result of identity theft. All of these accounts were opened after my wallet was stolen and my identification was stolen. XXXX   refuses to block these fraudulent accounts. Also XXXX  is reporting an address I don't live at. XXXX XXXX XXXX XXXX  XXXX XXXX, Tx XXXX this is not my address. In addition to this XXXX  supplies this information to LexisNexis, Which is reporting this fraudulent information as well and has not worked with me to resolve this crime.
My complaint is in regards to us bank home mortgage. I receive calls daily about my account being past due. Although I have never hit the 30 day late mark in the life of my mortgage. Representitives will call and refuse to identify themselves and hang up when questioned. Then call back later. I have spoken to 2 reps in the last 2 days and explained that I feel harrassed and there is no need to call me on my cell phone during my work hours because it jeprodises my job and my sanity and incurrs charges from my cell phone carrier. They will only say " you can submitt your request in writing and wont go past that. I have requested to speak to a manager to no avail and they do not take complaints on their own employees. Furthermore the reason I am perpetually late on my payments is because they are unwilling to adapt my payment due date and insist there is nothing that they can do. So on a monthly basis my credit is damaged although my payments are made no more that 30 days apart and allways have been. In semation I explained that these calls and their nature made me feel harrassed. I offered a valid time for communication between us bank and myself which is on sunday between XXXX amd XXXX. I offered in good faith to set up automatic withdrawals if they will stop damaging my credit and they refused. The reps are rude, then after sent my account immidiatly to loss mitigation in my view as a further insult to me. In no way have the calls been in compliance with the fdcpa or even moral value. The most recent calls were XX/XX/XXXX and XXXX 2017
Last XXXX, I used my ( rarely used ) Macy 's CC to make a purchase for {$270.00}. I never received a XXXX statement ( did not realize they no longer mail them out ), which led to account being overdue in XXXX. In a phone call we ( my boyfriend and I ) had with a Macy 's credit services supervisor on XXXX XXXX, XXXX, after discussing the circumstance of my case, we agreed I would pay {$280.00} ( the {$270.00} plus {$5.00} in interest ) and Macy 's would reverse the {$25.00} late fee they had charged my account. I further requested my account be closed. 
In fact, Macys did not close my account and only reversed {$12.00} of the late fee, leaving a balance of {$13.00}, then proceeded to charge my account monthly with more fees and interest which unknown to me grew to {$66.00} by XXXX/XXXX/XXXX when they called me seeking payment. After we spent an hour on the phone on XXXX with another supervisor at Macy 's Credit Scvs, explaining the situation, they agreed to reverse all of the {$66.00} in fees and interest. I again requested they close my account. 
In fact, on XXXX Macy 's only reversed {$30.00} of the {$66.00} balance, again did not close my account, then proceeded again to charge my account monthly with more fees and interest which grew to {$140.00} by early XXXX, XXXX when they again called me seeking payment. 
We spent more than another hour on the phone on XXXX XXXX, XXXX with yet another supervisor at Macys Credit Svcs. At the end of this conversation we agreed that I would pay Macys {$15.00} ( the original {$13.00} of late fee from XXXX plus {$2.00} in interest ) and Macys would reverse the remaining fees and interest and finally close my account. 
In fact, on XXXX Macy 's credited my account with just a {$15.00} payment, reversed nothing, leaving a remaining balance of {$120.00}. While they now show my account closed, they have since contacted me several times seeking payment of the remaining balance. 
I wish to formally file a complaint about their pattern of unethical behavior, of promising XXXX thing and doing a another on repeated occasions over the past 7 months. I want them to reverse all remaining fees and interest and stop their harassing phone calls. I am seeking your assistance n reaching a final resolution to this never ending cycle of them charging fees and interest on other fees and interest long after my bill was actually paid off in the amount they agreed to.
I contacted the company today regarding the loan. I have been paying XXXX twice a month since XX/XX/XXXX. I attempted to log on to my account to check the balance and review my contract. I am aware of the high interest rate of the loan but felt I had payed too much for the loan. When I tried to logon to my account access was denied. I emailed the company regarding this matter today and was advised I owed 2 more payments due on XX/XX/XXXX. One for a missed payment which I was unaware of any missed payments. I was told account information was not available at this time online. I was advised by email when I opened the account that I would have access at all times to this information. I requested a copy of my contract today Im the email and no response was given to this request. If they can not provide me a copy of my contract or interest I have been charged then how can this be a legal contract. I realize part is my fault for being desperate and dumb at the time. I printed a copy of the contact at the time but have moved since then and had misplaced it. They identify themselves on their website as a tribal lender in Montana. I am not sure exactly how much the loan was for again at the time I was desperate. I feel that withholding documents is not legal and I should be reimbursed the interest I have paid them at the very least. Now I am not even sure this was a legal lender.