WillisBack/dataset-financial-user-claim huggingface dataset:
Good day, We were in the process of refinancing our now mortgage, the closing Attorneys did a title search and found that we have a lien on our property from XXXX XXXX. In 2009, we filed XXXX, the XXXX  Lawyer didn't let us know, when we finished in court, that the bankruptcy didn't cover the mortgage. That was 9 years ago. I contacted the XXXX   Lawyer and he told me he doesn't have my file any more. I also, contacted the payoff department at XXXX XXXX, they couldn't find any mortgage amount with my name and social security number. Our closing Attorney sent a lien release request to a XXXX XXXX XXXX, who is the XXXX XXXX / XXXX with XXXX XXXX. They will not release the lien, even though we are not responsible to pay the mortgage?? We have not made one payment on the loan in 8 years?? No one has ever contacted us about paying the mortgage. So, that is where we are, as of today. We are just looking for a little help, on what to do about this lien. 
Thank you, XXXX.
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
A Wells Fargo account was opened in my name ( XXXX ) about 6 or 7 years ago ; I complained by phone and mail to Wells-Fargo 5-6 times recently to no avail.
I 'd like to dispute all of the credit inquiries on XXXX my Transunion report and my XXXX report. I have XXXX on Transunion and XXXX on XXXX. I can say that I have applied to some of the place but I ca n't understand why there are XXXX or XXXX checks from the same company some with in months or in the same year. My report also shows a number of things that are out dated and have not been remove by the company. At this time I do see collections/charge offs and other things that should n't reflect on my report. I do n't see an auto loan from XXXX XXXX that I had showing as credit history. I only show 8 months worth of credit history. This is obviously incorrect.
Freedom Mortgage is refusing to pay property tax I have an escrow account they have sent me a letter stating they will not pay it i sent them a copy of unpaid property tax and theyou continue to ignore my complaints
Experian, XXXX, XXXX XXXX XXXX and XXXX XXXX has continued to report fraudulent information on my credit file. I have filed several disputes throughout the years with these companies but there never is a positive outcome. They have continue to report this fraudulent information on my credit file even though Ive given them a police reports showing that Im a fraud victim.
On XXXX, I signed up for a double cashback promotion that Discover had offered to its existing cardmembers as well as new cardmembers. Yesterday, I chatted in to make sure it was still on my account. To my disbelief, the chat representative told me they did n't see anything about it on my account and that I had never called in to add the promotion to my account, which is false. I know for a fact I called in, but they oddly have no records of it. I chatted in a month or two ago to confirm ( but chat was a separate issue ) and they confirmed I 'd receive double cashback XX/XX/XXXX. I called in today and was told the same as yesterday. All I want is the promotion I was promised months ago.
Exeter Finance is reporting an account in the amount of XXXX to credit bureaus. The account was charged off in XX/XX/XXXX with a balance of {$13000.00}. The vehicle was sold for XXXX. The cost of repossession was approximately {$1100.00}. The company starting charging interest on the account after it was charged off and closed with out sending me any detailed statements about the interest. The company reported this account in XX/XX/XXXX with an amount of {$9100.00}. They kept charging interest until XX/XX/XXXX when the amount reached {$10000.00}.
Synchrony bank now owns all of my XXXX consumer credit card accounts! 
In recent months, they have lowered ALL my credit limits down to the current outstanding balance! This shows I have used all 100 % of my revolving credit causing a financial catastrophe for me in relation to my credit score not to mention my creditworthiness for future financial necessities as well as my credit history! I do not know how this company can get away with treating consumers in this manner! I am of XXXX descent. My oldest card I 've had since XXXX. On the majority of them I have been making my payments on time, managing my balances to not use more than 50 % of the credit. The times I may have been late is when I have been unemployed- Currently am. After the credit reforms in XXXX I noticed Old Navy raised my minimum payment from {$90.00} up to {$280.00}! So I discussed with them to work something out, but as usual, they demanded payment or reporting me to the credit bureau. I have worked super hard since my divorce in XXXX to developed my creditworthiness, lift my credit score and done the right things as an educated consumer, but still are loosing against the bureaucracy of these deceptive and advantageous creditors who seem to circumvent every legal consumer credit rule to squeeze every cent they can out of us. Like limiting submission of payments to post to their websites by XXXX on the actual due date or they assess a late charge?!
I was assigned my current home telephone number approximately XXXX months ago. Since the assignment I have received numerous unsolicited calls and XXXX put a stop on XXXX of them. However, Transworld Systems , Inc., a collection agency attempting to collect a debt has consistently continued to call me even after I have called them on XXXX different occasions giving my name and telling them they are calling the wrong number. Using their ID code XXXX they verified they are collecting on XXXX different people and my name is not among them. They promised to remove my number from their records again today XXXX/XXXX/16. I am sure I will continue to receive their calls since I have called them XXXX times before. Listing of calls : XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX. XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX. XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 It is illegal to call after XXXX XXXX but they did
I have disputed items on my credit report with Equifax. When I contacted them in referenced to the dispute, most of the information they had and what I requested was incorrect. While inspecting the disputes they dropped my credit score drastically and when I asked " why '' was told because they are investigating disputes. Asked how they can do this when the disputes have not been resolved and everything remains the same and all of my accounts are paid on time, no satisfactory answer. Even though I dispute items, they still remain on my credit report., i.e., one account I never opened, received in mail that I have a approved credit with this company which they then reported to the credit bureau. I never used this account, there are no monies on this account and asked to have this removed. Equifax refused to remove this from credit report and told me basically to call them and get it resolved even though it is obvious the account was never used. I requested my mortgage to be added to my credit report as I have never been late with mortgage payments and would help my credit score sufficiently, they refuse to do that as well. Which I should have the legal right to add positive items to my credit report, showing payments and etc., not just a statement. They are terrible to do business with and very difficult to understand. Bottom line, I disputed items, nothing basically has been done and my credit score went down!!!
I TRANSFERRED BITCOIN INTO MY COINBASE ACCOUNT ONXX/XX/XXXXIT USUALLY TAKES 6 CONFIRMATIONS AND MORE OR LESS AN HOUR TO HAVE IT AVAILABLE OVER 12 DAYS HAVE GONE BY AND OVER 2000 CONFIRMATIONS. MY CURRENCY IS WORTH XXXX USD AND I CAN NOT ACCESS IT!! 
THE TRANSACTION SHOWS PENDING!!!! 

I HAVE EXHAUSTED EVERY RESOURCE TO CONTACT THIS COMPANY CALLING EVERYDAY TO THEIR CUSTOMER SUPPORT AND EMAILING WITH NO RESPONSE!!! 

THIS IS A COMPLETE FRAUD!!! 

ALL I WANT IS MY MONEY!!!! 

PLEASE HELP
InXX/XX/2017 I signed up for what I initially believed would be a payday loan from XXXX XXXX for XXXX dollars. Just enough to pay my rent. When I initially agreed to the loan, it was presented in such a way that I was made to believe that I would make four large payments and the loan would be paid off. It appeared that I would pay around 200 dollars for a XXXX dollar advance, which I was okay with. However, after the four payments were made they kept taking payments out of my account in the amount of 150 - 250 dollars per check, with only 35 - 45 dollars going toward the principle. That is when I realized what it was that I had actually signed up for. At that point, my only option was to pay off the principle, something that was nearly impossible to do when they were taking XXXX dollars a month from my check before I even saw it. This loan has cost me around 2600 hundred dollars so far and has made me perpetually late on all of my other obligations, destroying my credit in the mean time. 

This has also kept me in a payday cycle that has made it nearly impossible to stay afloat.
Trinity Financial Services LN XXXX XXXX XXXX CA XXXX We have been calling Trinity for the last several days. It goes right to voicemail and no one will pick up the phone, nor will they return our phone calls. 

Have they closed down? Have they been seized by the Feds?
In XXXX XXXX I signed up for a Costco membership. To pay at Costco you had to sign up for an XXXX XXXX XXXX, which I did. In XXXX customers were notified that Costco had terminated it 's contract with XXXX XXXX and the XXXX XXXX card would not be valid at Costco anymore. Since I already had an XXXX XXXX for work, I did not renew the Costco XXXX card or my membership at Costco, my membership at Costco expired XXXX. In early XXXX I received a Costco CITI visa card and on the back was the picture I used when I signed up at Costco for the XXXX XXXX. I did not request Costco to issue this new Citi Visa card. I have kept the card but I have not used it or renewed my membership at Costco. I am writing to you so while you are looking at XXXX XXXX for opening unwanted accounts, you may also want to check into what XXXX and Costco are up to. Thank you for your services.
Hi, I remitted money through ach to my XXXX account. They give ref # XXXX and credit my account. So I transfer money from my account to other bank. After few days they called me your account balance in negative and send same amount again. I called them, they said your check has been bounce and they make reverse entry and more than XXXX as a penalties. I called so many times but they could not give solid answer.one said talk to your local bank.I went to my banker he said funds are sufficient and nobody demand for money.I again call today I said give me penalties amount back I will remitt money again.He said our supervisor will call you soon but nobody called me so far.I remitted money again.they gave me hard time.So I want penalties amount XXXX back that was not my fault.
I have a XXXX mortgage on my home. In XX/XX/XXXX Specialized Loan Servicing ( SLS ) became responsible for my loan servicing. I have had numerous errors with Specialized Loan Servicing with regard to the ACCURACY of my payments, escrow, and tax forms. As of the date of this complaint ( XX/XX/XXXX ), SLS has still not provided me with an accurate IRS XXXX form, despite multiple calls and written requests. The intention of this complaint is to formally demand that Specialized Loan Servicing provide me with an accurate XXXX form as well as to provide a root cause as to why there were errors.
On XX/XX/2019 I received a call from my employer of the HR department. During this call they informed me that they had received a notice to garnish my wages for a past debt. Along with the notice I was emailed a copy of the garnishment order. Within the request it stated I was informed of the possible garnishment and that they were sending a federal order to garnish. What I have a complaint on is the garnishment is not a result of a default judgement nor is it legal. The company responsible for this practice is Transworld Systems INC. After reading I gave them a call expecting to speak with a government official but was informed they are not the government. I then asked how to obtain a federal income tax garnishment. I was then told they could not help me nor could they protect me from a tax garnishment. From there I contacted XXXX to get some feedback. Upon contact I was told my account went to collections and to contact Transworld Systems INC. Here is where Im in complete awe. How does a debt collector send a federal order to garnish wages if it does not meet the criteria. Please help shed some light so my concerns may have some answers. Thank you.
I 'm not able to use my Macy 's Amex credit card. After each purchase my credit card gets blocked and there is no way to verify my identity online or by calling. It 's been over 2 weeks since I 'm unable to use it. CSR are telling me I should receive " something '' in mail, but my mailbox is empty!
I leased a car from the XXXX XXXX dealership and when my lease was up in XX/XX/XXXX, I was told by the dealership if I leased a new car that day ( XX/XX/XXXX ), they would waive the Wear and Tear fee on the vehicle I was turning in. I went home happy with a new XXXX XXXX lease and an intact credit score.

Months later, I received a letter from XXXX XXXX XXXX ( XXXX ) saying I owe a {$620.00} Wear and Tear fee. I promptly called the dealership ( XXXX ) and was assured they would be paying the fee to XXXX and I would have nothing to worry about and I would never hear from them again. 

Another few months pass ( now it is XXXX XXXX ) and I start receiving multiple calls from the same number and finally answer, it was the Collections Agency calling because the dealership never paid the {$620.00} that they had promised me they would and consequently, XXXX sent me to Collections over it. 

I then go to the XXXX dealership and the manager of the dealership writes a check for {$620.00} and sends it to the Collections Agency ( that they should have done months and months ago ). And everything was " settled ''. However, this caused MY credit score that I have worked so hard on, and I have never missed a payment EVER, to drop 70 points The manager of the dealership wrote a letter for me to send to XXXX stating I was not the responsible party for this payment and it should be removed from my credit report, which I sent to the XXXX Direct Dispute address as certified mail along with a copy of my credit report and a letter explaining the situation on XX/XX/XXXX. I have filed complaints with the 3 credit bureaus as well, but the information on my credit report remains the same.
I opened an account in Citibank with promotion code XXXX. 
The terms of this promotion is as follows : Make an eligible deposit of {$50000.00} or more in new-to-Citibank ( R ) funds into your new Checking or new or existing Citibank Savings Plus account within 30 days after account opening. Maintain a minimum of {$50000.00} for the next 30 days to receive your bonus. The cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. 
THE ACCOUNT WAS OPENED ON XX/XX/XXXX AND THE DEPOSIT OF {$50000.00} WAS COMPLETED ON XX/XX/XXXX. 
PER THE REQUIREMENT, THE BONUS AMOUNT SHOULD HAVE BEEN CREDITED IMMEDIATELY AFTER THE 90 DAY PERIOD WHICH WAS XX/XX/2016. 
I HAVE BEEN CALLING CITIBANK AND ALSO SPOKE TO A MANAGER AT THE CITIBANK XXXX XXXX BRANCH : PERSON : XXXX. AND THEY KEEP TELLING ME TO WAIT AS THEY ARE DOING AN INVESTIGATION ON THIS. 
I WOULD LIKE THE BUREAU TO INTERVENE AND GET ME MY MONEY ASAP. 
THANKS
Chase bank issued a loan modification to my former husband. Our legal separation document declares that the property is now his and he has to either refinance in his own name or sell the property. Instead he declared bankruptcy ( chap XXXX ) and as part of the plan modified the mortgage without my signature or consent. Before that the mortgage had nearly been in foreclosure. This was in the Fall of 2012. My ex husband has been paying the reduced mortgage payment since. The account is up to date. 
Chase will not update the information for credit reporting purposes saying that it because there is a bankruptcy in process. IT IS NOT MY BANKRUPTCY. My credit score is very low because of this and the near foreclosure. My interest rates are high and I can not get a mortgage of my own and I have to rent. Chase will not remove my name from this account even though it is no longer the mortgage that I initially agreed to.
I spoke to a rep over the phone and told her that I have disputed the XXXX account before and has come back verified. The rep stated she will submit a request and make sure to add that this account is not an unsecured account and the company will have to either update it to reflect wha the account really is or delete. I have previously sent in disputes as well disputing that I do not have an unsecured loan with XXXX XXXX XXXX. I sent in verfication from XXXX XXXX XXXX bwith documentation from the creditor that is not an unsecured loan. The results came back as paid and closed. No one is addressing that the account is reporting incorrectly. I do n't have an unsecured loan with XXXX XXXX XXXX. According to the Fair Credit Reporting Act that the credit reporting agencies provide you in the credit report that is sent out in the mail. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within XXXX days. However, a consumer reporting agency may continue to report information it has verified as accurate. XXXX XXXX XXXX did not verify that I have an unsecured loan with them. I called XXXX XXXX XXXX XXXX/XXXX/15 at XXXX ext XXXX, spoke to a representative that stated the reason the credit report is showing XXXX XXXX is because they do n't have any other options to choose. The explanation that I was given of this action that has taken place on credit report is not my fault and supposed to be removed for reporting false information.
I don't know how XXXX XXXX can live with its self the way you handle your business. For 17 months this bank has charged me finance charge of {$38.00} starting XX/XX/18 plus a late fee starting XX/XX/18 which is {$78.00} per month for now 10 months which is currently {$780.00} dollars of the balance {$1800.00}. I have contacted this XXXX   XXXX  to discuss the following ; Please remove these charges which I feel are not being considerate to the true balance {$1000.00}. which I can be prepared to pay truly. I discussed this in great detail online and over the phone and have been treated POORLY per my request to remove these absurd charges and be considerate to my plea. I am going to bring this information to The XXXX XXXX XXXX, The Attorney General and the local paper in XXXX XXXX Florida in the hopes some other individual will learn not to become prey to the likes of XXXX. Again, I have asked this absurd bank to remove these charges and work with me on the balance owed and the only offer was one late payment will be removed and the terms and considerations are mine.
I have repeatedly submitted disputes on items on my credit report beginning back as far as XX/XX/2018 to Experian, XXXX, XXXX  credit bureaus. Nothing has been removed as they only send back verified and nothing saying how they verified the accounts. I also have submitted police reports of fraudlent activities on the following accounts : XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX and others. I have not lived at the address associated with these accounts and I have documentation to prove this.
Trying to be brief : however this has been going on for a year and a half. I bought a product while in XXXX XXXX XXXX. I received a phone alert asking me to confirm or deny - I clicked do not pay, because I wanted to check the company out first. Next day I tried calling the merchants contact XXXX - XXXX contact said they had no idea who these people were. I tried contacting all merchant contact information, but got no responses. I Immediately contacted Chase credit card and the Chase representative asked me questions and said they should be no problem. Three weeks later I received confirmation from Chase and they removed the charge from my statement. About three months later I received a call from an XXXX office from Chase fraud department - they said they were changing departments from fraud to disputes. They gave me contact information for Chase - which turned out to be incorrect - and they also said this should be no problem, you wo n't have to pay. I have repeatedly written, faxed, called and emailed Chase - as well as visiting a local branch and speaking to many representatives as well as the branch manager. I can not get through - nor could any chase representative - to the department that makes the decisions to uphold a dispute or deny the dispute. Evidently, this is a back-office department and they can not be reached for questioning ; I simply want to know what information they have at hand and what criteria they are using to make their decision. They have sent a letter of denial, but there is no way for me to know the criteria they used and what information they are basing their denial of claim on. In light of the fact that the merchant can not be contacted by me or chase, I feel this must have been a mistake made by Chase Bank. I have done everything I could to protect Chase bank, but they are not doing their job. I have continued to write and speak with people for the past year, but still I am being charged - now for the interest on the account. 
I have probably over XXXX pages of notes of my letters/emails/phone calls and responses over the past year and a half. The responses are circuitous in nature and it looks like they are simply cut and pasted replies to my communications. I have yet to speak to anyone who can answer my simple questions : who can I speak with that is actually responsible for decision-making? What criteria is the decision-maker utilizing to deny this claim? And what information are they utilizing to make their decision? Why can I not get a response from the executive office or the person who made this decision?
I believe that someone has used my information to apply for credit at one or more banks, including the XXXX hard inquiry shown on my report. I did n't apply for this credit. I 've also received numerous " response '' emails and calls to applications and emails that I did n't write, to various insurance and financial service companies.