WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX a representative with XXXX XXXX XXXX called and asked for a {$75.00} payment for XXXX XXXX XXXX. The bill with the hospital was from a car accident. I advised that the hospital received the check for {$75.00} payment XX/XX/XXXX and they deposited the check. The gentleman asked for proof so he could file a dispute. I sent in the copy of the check from the attorneys office. On XX/XX/XXXX the same gentleman called again stating I owed the money. He said the hospital rejected the dispute. He tried to tell me the account number on the top of the copy of the check I sent was not the correct account number. I told him he was mistaken that the account number he gave me ( XXXX ) was in fact the bank account number for the attorneys bank account. I asked him to hold on while I answered another call. He hung up. I called back and spoke with a female and she tried to tell me the same thing about the account number. I told her if they would look at the back of the check it proves that the check was cashed by the hospital. I became upset and told her if they were too incompetent to look at the proof they can just shove it up their XXXX. I have sent a letter with the copy of the check and requested they take the information off my credit and report paid in full but they refuse to do so.
I opened my Citigold checking account and there was some block on my account. I received the e-mail from Relationship manager on XXXX/XXXX/2016 that account is active and I will receive new debit card. 
Second debit card was blocked too, I was never able to register my account online nor I can withdraw money from ATM machine. I went to branch office on XX/XX/XXXX, they issued my new temporary debit card and promised that on XX/XX/XXXX, I will have access to my funds. 

It 's been 3+ months and I do n't have access to my funds I ca n't close it, I ca n't query the balance. Citibank has taken my money and then put the block on it.
Midland Corp keeps calling my brother 's home and sharing my information with him and who ever answer 's the phone, this happens numerous times and is not right
Mortgage Servicer : Stonegate Mortgage ( per website, now XXXX XXXX XXXX ) I am an XXXX at XXXX XXXX XXXX XXXX XXXX. I represent a XXXX-speaking borrower who is currently divorcing from her abusive husband and co-borrower. The separation triggered loss of income and nonpayments of the monthly mortgage. 

I contacted XXXX XXXX XXXX and submitted a hardship application on behalf of my client on XXXX XXXX, XXXX. A Third Party Authorization signed by my client was included in the application. I supplemented the application with the husband 's information on XXXX XXXX, XXXX. Between XXXX XXXX and XXXX XXXX, I was able to talk to the servicer 's representatives without any problem. I was informed that a pending foreclosure had been postponed and that a new auction date had been set for XXXX XXXX, XXXX. 

Unbeknownst to me, on XXXX XXXX, XXXX XXXX XXXX representatives realized that they were not authorized to provide me any additional information because the my client 's husband and co-borrower had not provided a signed third party authorization. I was then cut off from all communications. 

Without my knowledge, XXXX XXXX representatives called my client and sent her subsequent letters requesting more information to process her application. My client, whose XXXX is limited, did not communicate with me to address XXXX XXXX 's request. 

On XXXX XXXX, XXXX, I called XXXX XXXX to check on the status of the application. The servicer 's representative informed me that they did not have a third party authorization on file and could not provide any information. 

I obtained the husband/co-borrower 's electronic signature on a Third Party Authorization form and faxed it to XXXX XXXX on XXXX XXXX. On XXXX XXXX, I was told that the the form had not been processed and that it could take up to 48 hours to have it on file. I resubmitted the forms on XXXX XXXX, XXXX via fax. I called on XXXX XXXX and was told that the authorization had not been processed. I called again on XXXX XXXX, and learned that the authorization had not been processed yet. 

On XXXX XXXX, XXXX I asked to speak to a manager. I was transferred to a Collections Manager who asked me to email the signed authorization to his business email. After receiving the forms, he informed me that the Third Party Authorization form needed to include a physical signature. This was the first  time that a representative looked at the form I submitted. 

I obtained a physical signature on XXXX XXXX, XXXX. I faxed it to the servicer and emailed it to the Collections Manager. The form was not processed until XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I was finally able to speak to a representative who informed me that the hardship application had been withdrawn for failure to provide requested documentation. 

The house is currently in the active foreclosure docket, and it is set for auction on XXXX XXXX, XXXX.
I recently disputed an error in my credit report under the public records section and have since contacted ALL 3 MAJOR credit bureaus and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well which deems me financially irresponsible so the automated letters I receive tell me. It even does n't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I 've written numerous CERTIFIED letters to the Bureaus AS WELL as the creditor themselves. In return the creditor only responded to my letter with a letter of verification stating they do n't even report to the credit bureaus. I have that burden of proof to support my claim as well. These public records do n't contain any large sum amount or an amount at all to my knowledge it is just a negative and bad reflecting mark on me as a consumer and person which is definitely Defamation of Character, which I am certainly not. I Placed a Security Freeze on my file and Opted out of Services Provided by XXXX XXXX. I have also proceeded with filing a small claims suit against these Bureaus for the Defamation of Character as well as my rights protected under the FCRA AND Injury to myself & my credit report seeking no less than {$1000.00} per violation under the FCRA Sections 604 ( A ) ( 3 ), 623, 611 also US Court of Appeals, XXXX XXXX, XXXX XXXX. ( XXXX vs. XXXX XXXX ) To avoid these proceedings and drop the lawsuit I figured give one more dispute a try I 'm just looking to have this matter cleared up. 

Best Regards
XX/XX/XXXX- I contacted XXXX Citi and asked for a credit increase. I specifically stated I did not want hard pull done. I did not want the increase a hard Pull had to be done. They told me would not be a hard pull. It would be a internal pull. I was denied. I then requested to speak with a supervisor as to why I was denied the supervisor told me she would look into it and inquire. I told her that was ok as long as it did not result in any form of a inquiry on my credit report. The supervisor told me there was a exception for HURRICANE IRMA relief victims and because I was in Florida she could submit a request for me and that it would not be a hard pull/ inquiry on my credit report. I was a IRMA hurricane victim and needed assistance so I said yes. 
The Supervisor completely assured me that it would not be a hard pull. She advised me to call back the following day at XXXX to see if the additional {$500.00} Hurricane relief was provided to me. I checked my credit report today and there is a hard pull dated XXXX on all 3 bureas and it has lowered my credit score. 

This hard pull credit check was done completely WITHOUT my consent or authorization. 
These calls are recorded and I want the recordings reviewed if necessary. 
I contacted CITI BANK XXXX and spoke with a supervisor about this matter and requested the call be removed and the hard inquiry removed from all 3 credit bureaus.
The school I attended and ultimately graduated from ( XXXX of XXXX XXXX ) was found to have been providing false employment stats to its prospective and current students. Ref : https : XXXX The regulation, also known as the borrower defense rule, relieves the borrower of the obligation to repay all or part of the loan and associated costs and fees. 
The regulation further provides : If the borrowers defense against repayment is successful, the Secretary notifies the borrower that the borrower is relieved of the obligation to repay all or part of the loan and associated costs and fees that the borrower would otherwise be obligated to pay. The Secretary affords the borrower such further relief as the Secretary determines is appropriate under the circumstances. Further relief may include, but is not limited to, the following : ( i ) Reimbursing the borrower for amounts paid toward the loan voluntarily or through enforced collection ; ( ii ) Determining that the borrower is not in default on the loan and is eligible to receive assistance under title IV of the Act.

( iii ) Updating reports to consumer reporting agencies to which the Secretary previously made adverse credit reports with regard to the borrowers Direct Loan. 

This private loan through Navient should fall under the same classification for loan forgiveness as the federal loan has already been reviewed. Upon approval I am also seeking compensation for funds previously paid to this institution and the damages associated to my credit and my co-signers credit corrected / repaired as job placement was not available to support the student loan financial demands..
In XXXX 2016 I responded to a message from Wells Fargo regarding a graduate student loan that would come due in XXXX 2016. I requested re-consideration of the rate of payment or some kind of concession based on my extreme change of circumstance. I recently lost my husband, who was the sole income provider for myself, and my daughter, a XXXX. 

Wells Fargo suggested a loan modification. I began the process shortly thereafter filling out many forms, documents and sending endless faxes, which was not only demanding at this difficult time in my life, but full of contradictions at all levels of communication. Little in the process was ever transparent. 

Finally they contacted the co-signer, without my knowledge, well aware that he was a mature man just recovering from a XXXX, I did not wish to burden him. They disregarded this and astoundingly invented a statement they claim he made. Based on this the modification application was denied. I still do not fully understand or accept the reasons behind this decision. The facts so obviously attribute to the need to apply in the first place. 

The outcome and handling of the process was not only de-moralizing but the result was disturbing. I not only feel that the effort made over many months offered no resolution or compromise and looking back it has been victimising, from the initial hard sell to the onset of re-payment. 

I was concerned about adverse credit reports regarding the loan and constantly phoned in to discuss this. The advise the modification team gave was that " it would not help my case if I was seen to be making payments '', Based on this, I decided to wait for the written result about the modification application, which I have not yet received. 

The disregard for my personal situation continues. I now get endless phone calls from the collection department insistencing that the loan is two months over due. It is not. Over the past two weeks I have had about 15 phone calls-today alone 5 calls. Sometimes there are recorded messages asking me to hold the line up to 15 minutes. Often no-one answers. 

In all of this I only asked for consideration for a lowered monthly payment of $ XXXX-XXXX to help me get through this trying period of financial hardship. I am not sure where to go forward from here or where to turn for help.
I had XXXX accounts with Capital One XXXX, XXXX XXXX XXXX XXXX. Both of my accounts were closed without any warning. I made large monthly payments and I thought both of my accounts were in good standing. When I learned that my accounts were closed, they reassured me that it was not permanently closed, but on restriction for a short period of time. No reason as to why on restriction. I asked could I reapply to open my accounts and I was told that I could re-open them. When I tried, I was denied.
today they called my husbands cell phone number and hes not on my credit card information, nor they canr explain how they got the number. After that they called my sister in law for whom i dont even know her number. I have o contact with my sister in law. The only number they are allowed to call me on is my house number. I '' am aware of the money I owe and they treanted me on the phone.
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to several accounts that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have accounts that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity theft report XXXX, I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are being reported : XXXX XXXX XXXX account XXXX and account XXXX. I have even sent copies from XXXX & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect
I have just finished my XXXX degree and according to the US Department of Educafip. Exit loan interview, a six month deferment should be granted. NAVIENT is not following the guidsXXXX establish by the USDOE and had my first payments due XX/XX/XXXX. They sent me no documentation and I found out about having to pay when they called me stating I was past due. I have attached a screen shot showing my next payment due is XX/XX/2017.
American Express is XXXX of several credit cards that I pay automatically from my XXXX Bill Pay account. Bills are received automatically and paid on the due date. I have received XXXX bills today, both were due on the XXXX of the month. Per XXXX, the XXXX payment was delivered on the XXXX and the XXXX payment was delivered on the XXXX. In both cases, the payment was posted on the XXXX and a late fee applied. I contacted American Express and they insisted the payment was received on the XXXX. They did agree to correct XXXX of the late charges but no the other.
My VA mortgage with USAA was paid in full through refinancing with XXXX XXXX on XXXX/XXXX/16. There was an escrow account in the amount of {$3300.00} to be refunded and mail to me at the address they had on file. To this date XXXX/XXXX/16 I still have not received the escrow refund. I feel this is an abusive amount of time specially in the digital age we live in.
I called Fortiva XX/XX/2017 XXXX to settle a debt ; I spoke to XXXX regarding ( patient ID XXXX ) he advised me that the account was sold to XXXX XXXX -- -I called XXXX and was advised this account was sold back to Fortiva -- I then called Fortiva again and was told that it was not with them but sold to XXXX -- -I basically got the run around and there was no resolve to this debt showing on my credit report.
Purchase a ring from XXXX XXXX in XXXX XXXX XXXX XXXX, TX they used XXXX to finance. I paid XXXX XXXX {$45.00} biweekly automatic draft thought my XXXX XXXX XXXXXXXX account. I explained to XXXX XXXX XXXX that the account was paid on the 1st call and 2nd call the rep said he would mark as dispute. When I called today to get additional information this person was  rude/disrespectful etc. I ask XXXX XXXX XXXX for the copy of the contract and the original amount. The young lady said that they do not have the original amount or the contract to call XXXX XXXX XXXX XXXX XXXX. She offered me a {$800.00} settlement and I explained to her that I have already paid this account I did not receive a paid in full since they was a automatic draft. This is the ONLY account that I have had with XXXX. 

I Called XXXX XXXX XXXX XXXX XXXX he said that they no longer own the account and did not have a copy of the original contract or amount. He said that XXXX XXXX XXXX purchase the account to call them for the original documents and the amount. afterwards since I cant get anyone to help me I am filing a complaint.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, CFPB please remove the accounts asap XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX
XXXX XXXX XXXX ( XXXX ) continues to report inaccurate negative information to the three major credit bureaus. On XXXX XXXX, 2017, I requested that XXXX provide the following information to validate the debt allegedly owed : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. To date this information has not been provided to me.
Here comes C ITI Bank credit card for XXXX store accounts for customers only. 
My experience was if I had $ XXXX credit limit and I gassed up on a trip, the card shuts off at $ XXXX to pay now? If on a trip you ca n't buy more gas? 

Upon billing, if you are late until you get back home, THE FEE IS {$37.00} [ USUERY? ] plus a 10 % interest charge on top of FEES? 

I canceled my card with a $ XXXX credit balance which I have n't received a check for? 

C I TI BANK needs a grooming on credit cards which are not a Bank Loan?
Wells Fargo Branch in   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  XXXX  has misused my account by debiting an amount of {$2000.00} without my authorization.
I have made several attempts about a charged off account from Citizens one ( RBS ) bank. As this account has constantly been inaccurate, they are consistently destroying my credit report with unfair credit reporting. They have changed the information on the credit report XXXX different times in the past year alone, each time furnishing inaccurate and untrue information. I have disputed this multiple times with the credit bureaus. Further, they had a debt collector, XXXX, call my home an harass me at all hours of the night. Further they used inappropriate language telling me I am a " scumbag that does not pay my bills. '' They then threatened me that if I did not pay they were going to freeze my bank account and get me locked up in jail. The man I spoke to refused to give me his name and started to name all my family members insinuating that my family would be at risk if i do n't pay. 
XXXX XXXX 's address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NH XXXX according to XXXX. 
Further, I 've attempted to contact the company to remove this debt, but the only information I 've received from the credit bureaus is a phone number that is inaccurate. I 've been harassed and my credit worthiness has been hurt by this! I am including a snapshot of the phone number that they are reporting, which gives a disconnected line every time you attempt to call.
Purchased home in XX/XX/XXXX for $ XXXX. We put down approximately $ 47k,  leaving us with a loan of $ XXXX, {$2800.00} a month. In, XX/XX/XXXX I fell sick and was diagnosis with XXXX XXXX XXXX XXXXXXXX ( XXXX ), ( XXXX XXXX ). This cause me to go out on temporary State XXXX, which at time my income dropped sufficiently ( 65 % of my regular income ) ultimately causing me to fall behind on my mortgage. I support my wife & our XXXXY old son. After multiple attempts with Wells Fargo & Keep Your Home California both have continued to deny my attempts for mortgage assistance. In XX/XX/XXXX I was forced to return to work full-time in an attempt to avoid foreclosure, even though I still must maintain XXXX XXXX every other day ( 4-hour XXXX ). I am sending what I can afford when I can afford. I am XXXXY old  with XXXX & trying everything I can possibly do to keep our home, the approximate value of my home is $ XXXX, so I have equity however, due to my bills falling in arrears I can not qualify for a loan. Wells last response was I should consider a, " short sale ''. HuH!?! what exactly are these " programs '' out there to " help '' consumers avoid foreclosure? How does one qualify for assistance??
XXXX XXXX XXXX XXXX transferred and recorded a mortgage assignment using XXXX XXXX XXXX  Loan Number. 

In addition, XXXX XXXX XXXX XXXX did not utilize a Power of Attorney when conducting a real estate transaction. 

The XXXX XXXX XXXX XXXX indenture expired.