WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's mailing address for dispute requests is : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$500.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
I 've tried to reach Equifax to find out if I was part of the breach, https : //trustedidpremier.com/XXXX to no avail. Additionally I went to annual credit report dot com for the federal law approved report too, it 's locked and not taking requests currently.
I contacted FedLoans Servicing this morning to deal with an issue of being locked out of my online account and was treated incredibly rudely by the representative. I use XXXX for my banking, and XXXX in the past has offered a service wherein it connected with FedLoans as a non-XXXX account to list my overall student loan debt on my banking page so that I could accurately view all assets and liabilities together. To accommodate this, I executed ( online ) a limited power of attorney giving XXXX access to my account. When I told the representative this, he told me that my authorizing XXXX to access this information constituted a security breach and that he should report me to the Department of Education, but that he was not going to in this particular instance. Whether the arrangement that FedLoans and XXXX worked out was proper or not, it certainly was not anything that my loan servicer should have blamed me for. When I finally was able to speak to another representative and supervisor, each proceeded to only tell me about the security issues and did not address my outstanding questions because I could not get a word in edgewise. They were demeaning and accusatory and were not helpful at all. When I was finally transferred to a supervisor at the end of the call, that supervisor was not receptive to my complaints with customer service. I wish that I could change loan servicers and am considering refinancing my loans through a private institution so as not to have to deal with FedLoans in the future.
I fell behind on my mortgage around XX/XX/2017 due to slow work and less money.I am also taking care of a XXXX grandchild. I am really struggling in life. I tried my best to keep up, but the money just keeps accumulating. I became so desperate and stressed out. On XX/XX/XXXX I applied for mortgage assistance with my lender Vanderbilt Mortgage. I then received a letter dated XX/XX/XXXX offering me {$500.00} to vacate my home by XX/XX/XXXX. I received the letter after XX/XX/XXXX. So, they basically gave me a week to vacate for {$500.00}? How dare they? {$500.00}?? What am I going to do with {$500.00}? Then a letter dated XX/XX/XXXX arrives asking for {$2100.00} and then they'd bring me back to current and denied my application because it was their " belief '' that I can afford the payments with the current terms. So first {$500.00} to basically go homeless and then just magically pay them {$2100.00}? Are they crazy. They are really a nasty bunch. My interest rate is 12.72 %!!! And, I am not by any means wealthy. I just want some payment relief so I don't get into this situation again. These guys are a real bad bunch. I need help. Please.
I have filed disputes with all XXXX credit bureaus. The last time I disputed the results were sold to XXXX. 
XXXX accounts with XXXX with the acct. number XXXX XXXX account with OK STUDENT LOAN AUTHORITY w/account number XXXX as a paid collection which is also reporting incorrectly.
I RECEIVED A CALL FROM MY RECEPTIONIST. UPON ANSWERING THE CALL, THE CALLER IDENTIFIED THEMSELVES AS PORTFOLIO RECOVERY AND THAT THEY WERE ATTEMPTING TO COLLECT A DEBT REGARDING A XXXX XXXX ACCOUNT. I INSTRUCTED THE CALLER THAT THEY WOULD HAVE TO CONTACT ME WHEN I AM NOT AT WORK.
In order to make our next mortgage payment on XXXX/XXXX/16 ... .. 
we need to get a 'hardship loan ' from my wife 's corporate XXXX account. 
Management of the XXXX account have agreed our emergency 'hardship loan ' can be paid immediately supporting documentation is received from our mortgage company, which is Wells Fargo Mortgage.The XXXX management tells us " XXXX rules require some kind of statement that if payment is not received by such and such date foreclosure proceedings will begin. 
Can be a simple letter in company letterhead from a loan officer, but need that to release funds. '' We will be in foreclosure if we do not make the payment on XXXX XXXX, but the only people stopping us from making the payment on time is Wells Fargo. Despite asking them on the phone for written confirmation, as required above, and holding for conversations with XXXX departments, they all refused to send us the required notice which represents the true state of the loan. 
So Wells will not cooperate to send us a timely notice to enable us to pay the mortgage, and will then claim we did not pay the mortgage and try to foreclose and take our home. 
This is unfair at best, entrapment if this is not immediately taken care by overnight mail to our home of XXXX years.At XXXX years old and after very serious illness, we expect better from Wells Fargo bank.
Discover Payment Protection service fees were added to my account without my consent. There is no evidence or record of me agreeing to this service that they have been charging to my account since XXXX. A total of {$890.00} of this specific Payment Protection fee has been collected by Discover from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I called today ( XXXX/XXXX/XXXX ) at XXXX PST and spoke to a representative in XXXX XXXX XXXX XXXX UT who cancelled this service per my request, but she claimed I had signed up for Payment Protection but did not provide proof of enrollment.
I started the loan process but I did not finalize it. Then later I find out they sent the money to my bank account {$400.00} and are taking {$140.00} out three times so far. I had bank stop the transactions but informed me that it is very hard to stop the transactions. This is Big Picture Loans ( formerly known as Castle Payday ) is a short-term loan company offering installment, or personal, loans. This is one of several loan companies operated by the XXXX, a federally-recognized American Indian Tribe. ( In 2014, a US District Judge ruled that the FTC has authority to regulate certain arms of Indian Tribes, including payday loan companies operating under Tribal Law. If you feel that you have fallen victim to a predatory lender, even one claiming Indian tribal affiliation, we advise you file a complaint with the Consumer Financial Protection Bureau ) So that is what I am doing right now, filing a complaint to get this stopped.
MY ISSUE IS WITH FIFTH THIRD BANK. AND HAVE TWO ISSUES. THE FIRST IS, THAT MY ACCOUNT IS OVERDRAWN FROM A PURCHASE OF {$150.00}. I WAS IN A BAD CAR ACCIDENT AND CANT PAY THIS BILL NOW TO THE BANK, AND I TOLD THEM TO CLOSE THE ACCOUNT OUT AND THAT I WILL MAKE MONTHLY PAYMENTS TO THEM. THEY SAID THEY WILL NEVER CLOSE THE ACCOUNT OUT AND WILL KEEP ACCRUING CHARGES AND I WILL HAVE TO CONTINUE TO PAY A MONTHLY CHECKING ACCT FEE OF {$11.00} PER MONTH. THIS HAPENED IN XXXX AND THEY CHARGED ME WITH A {$34.00}. XXXX OVER DRAFT FEE, AND {$11.00} MONTHLY BANKING FEE, SINCE I WONT HAVE MY XXXX XXXX CHECK IN THEIR ACCOUNT ANYMORE, AND I REFUSE TO EVER BANK WITH THEM, REGARDING ISSUES A FEW MONTHS A GO, WHERE THEY PAID A PAYMENT FOR ME, WITHOUT MY PERMISSION. SO, I WAS CHARGED A TOTAL OF {$190.00}. I THEN GOT A LETTER, XXXX XXXX FOR A BILL OF {$190.00}, AND THEN, XXXX XXXX FOR {$190.00}. AND THEN XXXX XXXX THE BILL IS NOW {$200.00}, AND THEY KEEP ADDING FEES AND CHARGES. I WANT THEM TO STOP ADDING CHARGES AND TO CLOSE MY ACCOUNT IMMEDIATELY AS I HAD ASKED THEM IN XXXX WHEN THIS ORIGINALLY ALL HAPPENED. I HAD A SIMILAR ISSUE WITH A DIFFERENT BANK AT XXXX, DUE TO OVERDRAFT FEES A FEW YEARS A GO, DUE TO MY VET NOT HOLDING A CHECK I WROTE TO THEM UNTIL I GOT MY XXXX CHECK, AND IT BOUNCED MANY CHECKS, ACCRUING TO {$300.00}, YET, XXXX BANK, CLOSED THE ACCOUNT IMMEDIATELY, AND TURNED IT OVER TO THE, CREDIT BUREAU. I FEEL LIKE THIS IS THE BEST SOLUTION FOR THIS MATTER, AND INSTEAD OF MAKING AN, {$11.00} MONTHLY FEE FOR A CHECKING ACCOUNT WITH NO MONEY IN IT, IS TO CLOSE IT, AND I CAN PAY THEM THAT {$11.00} A MONTH TOWARDS THE BILL, AS THATS THE MOST I CAN AFFORD, IF THEY DONT, THEN THEIR BILL WILL NEVER BE PAID TO THEM RE, THE {$150.00} AND OVER DRAFT FEE, SINCE I GET {$690.00} PER MONTH TO LIVE ON FROM, XXXX XXXX WHICH IS HARD, AND NOW I GOT WRECKED INTO, MY CAR WAS TOTALED, AND MY CAR IS ONLY WORTH, {$1200.00}, SO I WILL BE USING A TAXI, WHICH IS EXPENSIVE, AND I CANT BUY A CAR NOW FOR {$1200.00}, SO I HAVE MAJOR MONEY PROBLEMS AND HEALTH ISSUES AND INJURIES FROM THIS CAR ACCIDENT. PLEASE HELP ME WITH THIS MATTER, AND HAVE THEM CLOSE OUT MY ACCOUNT, SO I CAN START PAYING THEM {$11.00} PER MONTH TO PAY THIS OFF, INSTEAD OF THEM CHARGING ME EVERY MONTH FOR AN EMPTY ACCOUNT, WHICH I HAVE HAD TOO MANY UNETHICAL THINGS DONE TO ME VIA FIFTH THIRD BANK, AND IT HAS BEEN FRUSTRATING. THANKS
I have had a credit card with CitiBank since XX/XX/XXXX. Unfortunately, I missed the first payment because I was not accustomed to having another payment, and they raised the interest to the penalty rate 29.99 %. From that point XX/XX/XXXX, I have had on time payments. They have only reduced my interest rate to 28.74 %. When I questioned them, they said it was their prerogative when to lower it. 
I thought after 6 months of consecutive on time payments they had to return it back to the pre penalty interest rate? They refuse to talk to me, and only direct me to " send it in writing '' to a generic PO Box address.
Debt originated from an XXXX made via my prior employers credit card & while operating under my prior employers insurance plan. Rental was under my name. Insurance company rejected claim ( which was under the deductible. ) I repeatedly told callers this, and they ignored my attempts to explain that I was not the person who was responsible for the claim. 

After 2 months of continued and almost daily calls I arranged payment via my former employers & confirmed that the debt originating from the XXXX was paid by my former employer directly to XXXX. Calls have continued despite my confirmation that this debt has been closed in XXXX books. I am in the process of procuring a letter from XXXX confirming this fact ( awaiting arrival electronically. ) An attempt was made to say that I would be on an XXXX " do not rent '' list and that I would suffer personal consequences from this as a result of my supposed failure to pay. This was a lie doubly as my debt had been paid, & if such a list existed I would most certainly not be on it.
Wells Fargo has every right to impose a monthly service fee on their customers however, that fee is really only applied to their poorer customers who ca n't meet certain financial requirements and are told to pay the fee or forced to jump over many obstacles in order to avoid the fee. By legal definition that is considered class discrimination. ( All Wells Fargo accounts have monthly service fees but customers can avoid those fees if they meet certain financial requirements. However, if your become poor and fall short of the financial requirements then your account is charged a fee and if you want to avoid that fee you must jump over multiple obstacles ). So in other words Wells Fargo 's wealthier customers get to keep their money at Wells Fargo for free but the poorer customers must pay a fee. I have been dealing with this complaint for over 5 years and nothing has changed. I have written to and spoken with over XXXX employees about my concerns. From supervisors to managers to their executive office but instead of Wells Fargo understanding my concern and helping me they instead bully me and have ignored me. This needs to stop because Wells Fargo has become to big and thinks they no longer have to adhere to our laws.
I am a victim of identity theft and I have hard inquiries on my Equifax credit report that are fraudulent, unauthorized and not mine. The following hard inquiries arent mine : XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, Equifax Consumer Affairs, XXXX/XXXX/XXXX, Furthermore, the following address dont belong to me : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX.
My home is in foreclosure and in order to get help I need a statement from my finance company in which I've been unable to get and my finance company say they are unable to provide. I haven't received a statement since XX/XX/2018. And I need this to get help with the foreclosure.
In XX/XX/2018, I had applied for and was approved for the Citi ThankYou Premier credit card. The sign-up bonus offer at the time was 50,000 ThankYou points after {$4000.00} spend in 3 months. I was well aware of the Citi bonus offer language which stated the following : " Bonus ThankYou points are not available if you have had a ThankYou Preferred, ThankYou Premier, or Citi Prestige card OPENED or CLOSED in the  past 24 months. '' I was aware of this because when I went to close my Citi Prestige Card after one year ( opened XX/XX/XXXX ), the Account Manager informed that if I closed the account, my 24 month clock would reset, BUT if i merely downgraded to the Citi ThankYou Preferred card ( No annual fee ), then that clock would not reset and I would only have to wait 1 more year ( instead of 2 ) to sign up for any other ThankYou cards and be eligible for the applicable sign-up bonus. 

Therefore, I did what the Account Manager recommended and downgraded to the ThankYou Preferred. After 1 year passed, I contacted Citi via the online chat and verified my eligibility TWICE, both times receiving confirmation that my 24 month window had passed and I could apply for the ThankYou Premier and be eligible for the bonus. 

After meeting the minimum spend requirement, a couple billing cycles passed and still had not received the 50K bonus points. Upon contacting Citi about this, I was passed around to multiple agents/representatives who all had different takes on what the ruling was. Finally I spoke to someone who first claimed that ( 1 ) " downgrading/any activity is the same as closure or opening of an account ', ( 2 ) " it is against federal law to award me the points even if I was told something in error by a prior representative '', and ( 3 ) " if I was aware of the bonus language, then I should be smart enough not to apply for the card. '' After speaking with the incredibly rude individual, I called back and asked to speak with a supervisor. I requested that the online chat transcripts AND the original phone conversation recording ( from when I downgraded the Citi Prestige ) be pulled for investigation into this matter. I was told I would hear back in 7-10 business days, but it has been over 3 weeks with no response. 

At the end of the day, the account downgrade/product change was NOT an opening or closure of an account. Citi representatives continue to misstate the offer as " any activity on the account in the past 24 months '' but the terms of my application do not clearly say that, AND I was told my a Citi representative that a downgrade does not reset the 24 month clock.
I am a XXXX in XXXX, Ca. representing a client who is selling XXXX XXXX XXXX XXXX, CA. XXXX. The sellers accepted an offer from a buyer on XX/XX/XXXX. The lender handling the financing for the buyers purchase was Caliber homes loans, the loan officer was XXXX XXXX ( XXXX ) XXXX. The buyers conducted an appraisal on the property and then immediately had to cancel due to their inability to qualify for the loan. Caliber home loans was provided a case number from FHA and also submitted the appraisal in the FHA system. After I placed the home back on the market for my client and we received another offer from a buyer who is also utilizing FHA financing for their purchase. The new lender XXXX XXXX at ( XXXX ) XXXX made a formal request on approximately XX/XX/XXXX. Caliber home loans transferred the case number but not the appraisal attached to the case number. Without the appraisal the new lender is unable to move forward with the buyers loan. I spoke with XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX and asked her to transfer the appraisal as requested and was told we had to pay for the appraisal to be transferred. I do n't understand how they can ask for my client to pay for an appraisal to the lender that was already paid for by the previous buyer. The are holding the appraisal hostage to the transaction they are no longer a part of. I spoke with the branch manager XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX and he informed me that they would transfer the appraisal but needed a formal request from the subsequent lender. That formal request was already made and they are refusing to cooperate. My seller now is unable to close escrow on the sale of their home because of the lender who is no longer a part of the new transaction. Everyone is on hold because they are refusing to cooperate. Please contact me as soon as possible. XXXX XXXX XXXX XXXX with XXXX XXXX.
US Bank has place a report on my name to XXXX back in 2011. Went to the bank to try to find out what was going on when they input my info. nothing came back. They suggested I apply to have it removed
I 've had an American Express XXXX XXXX XXXX account for about a year now. I rarely use it. Only to store funds in. Recently I linked an external account to the american express account for withdrawals in and out of the bank since this account does not come with a card. I initiated a withdrawal from the account and I 'm thinking it went fine until a week later I check my account. My funds were never transferred they were reversed for some odd reason.I called the bank 3 times back to back. The first time I was telling the CSR my account information, then suddenly I got hung up on. The 2nd time CSR put me on hold to be transferred to a different department ... got hung up on again. The 3rd time I was speaking to a CSR after being told that I would get a call back, I got hung up on for a 3rd time.  So I 'm highly furious with their customer service. They 're holding {$380.00} XXXX and will NOT give me a reason why. My account is n't frozen or anything that I know of. I have n't received any emails stating there 's an issue with my account. I have contacted the Federal Reserve because this is highly unacceptable. I even tried closing the account and requesting a withdrawal. They 're refusing to close my account or allow me to have access to my money. I attempted to close it twice already and my request keeps being denied.
i have a mobile home loan with  Greentree finance who sold loan to Ditech it was paid off about 15 to 18 yrs ago but never got lien released thru SC dept of motor services. we went to get title from them they said it still had a lien on it and said to contact Greentree when we did we found out it was sold to Ditech. we contacted then they said it would take 10 to get a letter of release we waited about 2 weeks did not get anything in mail we called back they said it could take up to 30 days still nothing. we have made no less than 10 calls everytime we get a differe nt answer. last week we were told to fax a request in and ask them to contact us about this again no acaa back now they tell us we need to email info to  XXXX  XXXX  XXXX . they mobile home has been sold and the new person ca n't get permit to have it setup without a clear title.