WillisBack/dataset-financial-user-claim huggingface dataset:
About XX/XX/XXXX, my loan was " sold '' to Selene Finance by XXXX XXXX XXXX. At the time I began working with Selene to obtain a needed modification as I was unemployed and then return to work making less than before. Selene offered me a forbearance agreement that would result in a loan mod. The terms were a six-month trial payment plan which I agreed to along with their requirement for me to make my first payment via money order and the rest by ATF draft. The ATF draft form was sent to me along with the agreement package, pre-filled with my name, address, draft amount, etc. All I had to do was fill in my bank information, sign it and send it back with the other papers. Selene received the package and cashed the money order, but never started drafting the money out of my account. When they finally contacted me about my payments, they claimed the ATF form was not received. Then after further conversations and me submitting a copy of the signed form, they admitted that the form was in my file, however, the form was invalid because based on my particular agreement I never should have received an ATF form in the first place. I asked how was I supposed to know that since they sent me the form pre-filled. I argued I should n't be penalized for something that clearly was not my mistake, but to Selene it did n't matter and that I was now in default of the agreement. I sought help through a mortgage counselor who witnessed the difficulty and inconsistency in Selene 's communications. The counselor referred me on to an attorney. My only goal was to have Selene honor the original agreement as I feel they had no right to put me in default over their mismanagement. Now in XX/XX/XXXX, after all the attorneys and the back and forth, Selene offered me another forbearance agreement that was clearly a set-up for failure. The terms are vague with no guarantee of resolution to a modified mortgage. If I had signed, it would have been a no-win situation. I would have been at the mercy of Selene and still with the threat of foreclosure over my head which they made very clear was still on the table. So after several years of fighting this, this is where I am with seemingly very little recourse. Lastly, I learned through all this that Selene is a mortgage servicer. Another entity actually owns my mortgage.
We were issued a Costco Citi card ( XX/XX/XXXX ) without our authorization when Costco ended its contract with XXXX. We did not want a Citi card and chose not to activate it until we needed to retrieve a credit from an earlier return. On XX/XX/XXXX we activated the card, and instead of finding a credit for {$30.00} we found one for XXXX! And had no idea what that was for or from. I called Citi to find out- was told it was just part of the transition from XXXX and the balance was correct. I called again the next day or so and this time pointed out in detail what my records showed- and that it was NOT a {$990.00} credit. Again I was led to believe it was all a legitimate transaction. We began using the card on XX/XX/XXXX for 1 charges, and not until XXXX for other charges. The figures continued to bug me and I call a 3rd time around XX/XX/XXXX or so, and asked the rep to walk me through that credit and where it was from. The response was pretty much the same : all part of the switch. We decided to spend down that credit then close the account. On XX/XX/XXXX we got a check from Citi for the balance of the credit. This struck me as odd, we did n't ask for it, or expect it. We deposited it in the bank and used it to pay the Citi bill that month. And on XX/XX/XXXX we get a notice from Citi saying the bank had made a mistake, the credit was an error and that we would be expected to pay it back- that charge would show up on the billing for XX/XX/XXXX. We called immediately and over several days have talked with 4 customer service reps - 2 of whom were supervisors. The regular reps can do nothing and really did n't understand the situation. When I explained the mis-leading and false info given to me during several phone call, and ask that the bank take responsibility for what were in fact 4 errors ( the initial deposit, the assurance of the correctness of the statements, the ignoring my insistence on the actual credit, and finally the sending of check for a credit as late as the end of XXXX ) and erase the charge from our current bill, I was told there was no way that could be done. The supervisor today denied that I had made any phone calls until XX/XX/XXXX when apparently I said the XXXX account was closed ... and said their records showed NO phone calls from me except the XXXX one and the one on XX/XX/XXXX. My records do show I called when I said I did, and there is no record that I called on XX/XX/XXXX to tell them something that was not true -the Costco XXXX card expired on XX/XX/2016. 
I feel as if we are being scape-goated, and that I was lied to about phone calls that possibly were deleted from their records. We are in our XXXX and on a fixed income- I ca n't help but wonder if we are n't the perfect demographic for a scam! We have closed the Citi account and returned the cut-up cards to them. Once the Citi cards were issued in XXXX our credit score- excellent for 55 years, dropped several points. We are most distressed with Citi bank.
I am XXXX XXXX XXXX, a XXXX XXXX with XXXX serviceconnected XXXX. Chase bank for over a year drafted my Checkingaccount {$170.00} for my Condo Association fee. I was notified XXXX that for the last three months the bank has not paid as orderedon the first of the month, the bank changed the draft date ( withoutmy authorization ) to the XXXX, of the month, on that date there is notfunds in my account to cover the expense. The bank refuses to pay and Iincur an over draft fee of {$35.00}. I recently received notice from myCondo Association that I now have a lean on my property for $ XXXX. The bank refuses to correct THEIR MISTAKE and rectify thethe bounce check charge, the lean on my property and other nowchecks due to Chase Bank mistake.
XXXX : The following is the over view of my issue with AMEX debit cards. This issue has occurred nearly a dozen times. The issue is AMEX making an error in processing a payment/ return. The amount of time to have wrongly removed monies from the account runs nearly 8 business days which is nearly 2 weeks of a consumer not having access to their own money. Although VP 's contacted me, the error was not corrected. 

I am contacting you concerning the recent scandal involving the XXXX XXXX. Due to a similar issue with AMEX, I will be addressing the issue in the same manner as I and my partners addressed the issue below concerning XXXX. The case is now part of the XXXX case to break up XXXX and fine the corporation {$6.00} XXXX http : XXXX. 

We are taking the XXXX approach to addressing the massive and industry wide scam of stealing from consumers and inconveniencing them in a very harmful way. For example AMEX and most of these cards encourage the working class and poor to have Social Security, XXXX, their paychecks, etc. directly deposited to debit cards. As in the XXXX XXXX situation those funds are made unavailable through errors, and other unethical practices to increase revenue for the card companies. We will be calling on the federal and state governments to take action that bars swipe fees, any wait time for consumers to have access to their monies due to error or profit gouging by card companies. The movement will involve reaching the public and legislators through press releases, press conferences, taking legal action, and boycotting companies that are in the consumer exploitation business. 

If your organization would like to participate please let me know how we can help. 

XXXX XXXX XXXX XXXX : XXXX https : //www.google.com/ # XXXX & XXXX , % XXXX , % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX XXXX XXXX XXXX
In XX/XX/XXXX I filed a dispute with equifax stating 2 items were being reported incorrectly. One I tem was XXXX XXXX XXXX in which they never investigated and I continued to send in requesting new investigations and still nothing they totally ignnore. at the end of the year XXXX I get item investigated.and remains. Thats 360 days it took to investigate this item has 30 days but they kept ignoring. Now they say was investigating but no information is available on this account buy account holder so how investigation was done is beyond me. Equifax violated federal law as it has 30 days to respond not one year and is and should be fine. I sent them a new letter in which they signed for on XX/XX/XXXX telling them od the fraud they have committed and to remove the account its now XX/XX/XXXX and they have ignored and have not responded back. This item goes why beyond fed limits and they should be fined which is my next step as it has cause great distress. Next at the same time account XXXX XXXX XXXX was also received on XX/XX/XXXX by Equifax. This item was previously removed in XX/XX/XXXX then put back on after removed and disputed for a year not 30 days then they after a one year investigation which is illegal come back and add time on to a loan that was paid off XX/XX/XXXX and show it being paid all the way though XXXX and marked status 120 late. Now they ignored my request that they received on XX/XX/XXXX to remove and havent responded and its now XX/XX/XXXX. This is also a serious violation of federal law. How can a loan paid off in XX/XX/XXXX show late 120 days a year after account was closed.. They flat out ignored both my requests not only in XXXX but now XXXX. This has cost much damages to my credit score as well as taken much of my time to write letters to try and correct and only to be ignored. Such failure of federal law should entitle me to 1000s of dollars..This is total neglect of their responsiblities. I dont wish for a new investigation as they have botched up and ignored 1 plus years of request. I want these items totally removed as well as some kind of compensation for there neglect of duty.
I have received a wire transfer and unclear why the bank reserves 1 ) 5 days to give access to funds even though the money is available within hours as the transmitting bank has confirmed the direct receipt 2 ) Unable to confirm receipt of funds at all for the 5 day period, even though the transmitting bank is able to confirm it was sent 3 ) Can then also justify a {$25.00} fee which they are unable to substantiate the precise " cost '' to them and when they are able to make money off the funds for 5 days alone and demonstrate no actual " cost ''
On XX/XX/XXXX, I received notification that my 2017 taxes were deposited in my bank. I contacted the company knowing I had requested a amex serve card but had not received information or a card. They informed me it was the amex serve card and to contact them. Since that day, I have spent 15 hours attempting to resolve the issue. I have been lied to by 22 agents and hung up on 6 times. While my funds are on this card I still do not have access to them not do I have a comfortable answer as to when these funds will be provided. As I fill this form out, I am on hold for the 6th time today ; current hold with no contact with an agent is 47 minutes. I have been blamed, hung up on, completely misinformed, they have made promises and I am still without funds or any idea as to when I will be sent them. I have been charged twice now as well.
Subject : Acct XXXX I had a XXXX XXXX acct # XXXX on recurring payment for this account and never missed a payment and when I turned this car in XX/XX/XXXX for my new XXXX ( acct XXXX ) it turned into a complete nightmare. i had 7 months of payment left and was told i would have a final bill that would tell me how much i owed XXXX. I contacted XXXX in XX/XX/XXXX and was told that there is a process involved where they have to sell the car in an auction and that the final payment would not be available immediately and I would be sent a bill when it was. From XX/XX/XXXXuntil i moved into my new apartment in XXXX I never received a bill but instead I received an alert from XXXX XXXX in XX/XX/XXXX that I was reported to collections, when I spoke to a representative they explained to me that there were several accounting errors done on this file and that it required a supervisors attention. When i spoke to supervisor they initially told me it showed that this car was turned in late XXXX and when i told them it was wrong that i turned my car in for the new XXXX and gave them the account they did not under stand why it took this long to get a final pay off amount. Finally, on XX/XX/XXXX a supervisor was able to fix the errors and produce the final billing amount which included a customer credit for the errors and inconvenience, I made a payment in full the same day for {$2400.00}, the supervisor also tells me that this collections account should be removed off my account but required I reach out to someone in the Credit department. I am currently in the final stages of the home buying process but just got denied due too instead of XXXX retracting this collections account from my credit report, XXXX apparently updated the account status and closing date. When I called XXXX on XX/XX/XXXX regarding this matter I was told my account was still not closed because I still owe XXXX money. After I spoke to multiple representatives I finally got a supervisor who again apologized for another accounting error and that my account is indeed closed in good standing and left notes to have this collections account removed from my credit report. This is very important Ive been and continue to be a loyal customer to XXXX, I have always paid all my XXXX bills on time and still to this date have my account on recurring payments to insure that i don't miss a payment. i need this retracted from my credit report ASAP.
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX  which they received on XX/XX/XXXX asking for validation of a debt that XXXX stated I owed. XXXX XXXX XXXX  was unable to provide that information because so they stated they would give the account back to XXXX XXXX ... Shortly after I seen that I now had a XXXX XXXX debr on my XXXX report through a company called RGS in the amount of {$1.00}, XXXX in which I was never notified by RGS via mail in reference to this debt, lastly I received a bill from a company by the name of XXXX for XXXX XXXX with a debt amount of XXXX ... These companies has failed to provide any proof that this is my debt and XXXX XXXX keep selling my account to multiple people without any contractual obligation from me ... I asked that this account be removed from my report by RGS, I ask that my information be taking from XXXX XXXX  and not to be sold or transfered to any other company because they have failed to provide me with the audit trail of the said account ....
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX My employer is : XXXX XXXX XXXX XXXX  My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mine please delete : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
I received a bill from collections saying we owed a past due bill which we never got statements for after the first few months. Paying this was NEVER the proble. The problem was, they put our address on the bill incorrectly which I have proof of. This is a clear violation FDCPA. If we would have got a bill of what our final balance was, it would've been paid. The collections company and the hospital BOTH agreed we had the wrong address on file, and refused to fix the negative 30 day mark received from this. If an error occurs by the hospital or the provider, this must be fixed and my credit bureaus updated. They have me living in XXXX XXXX MO and I live in XXXX XXXX MO. Please see the address at the bottom of the collections bill that I have uploaded as proof.
I submitted a request for payment review and assessment of my PSLF on XX/XX/XXXX. My original request went through employee # XXXX. I was told it would be up to 90 days to recieve my detailed payment tracker/count letter. I followed up XX/XX/XXXX and employee # XXXX told me that my request was in process but they were not through with the review. On XX/XX/XXXX I spoke with employee # XXXX who said that she was sending a request to expedite my account to her supervisors and that if I didnt hear something within 10-15 days to call back. I called back XXXX XXXX, XXXX .... 

Today was rough. 

I spoke to employee # XXXX who said she was simply with payments and would transfer me to extension # XXXX. There I spoke to employee # XXXX who had no real information and passed me to their supervisor employee # XXXX. This person told me that my account would be assessed within 120 days from the original request and was in a pending status. I reminded them that I was well past that 120 mark already ... they didnt have an answer so They passed me on to their supervisor, employee # XXXX who went by XXXX. Im told they are a lead customer service agent. They told me that since I was over the 120 days that they would send an email to expedite my request ... I said that I was actually following up with an expedited request that had not happened yet. Then they SAID ... I see, that email last time was sent by an agent on a lower floor, those arent effective and are rarely seen. The thing Im going to do different is, because I know people over there, is Im going to actually walk over there in a little while and talk to someone for you. I was floored ... I couldnt believe their claim that I and the last agent I spoke with were wasting our time and energies. I said, couldnt you speak to someone on my behalf now? They said they werent in the same building and would talk to whoever they knew over there in a few hours. I asked, at the water cooler? They said, yeah, basically. THIS IS THE BEST THAT YOURE GOING TO GET, XXXX. I CAN PROMISE YOU THAT. I was floored again. And asked to be transferred to their supervisor. 

I spoke to XXXX, who did not give an employee number but claimed to be a customer service supervisor. He told me we shouldnt be doing this in the first place ( speaking to doing expedited requests ) because it put me at an unfair advantage to the many people ahead of me who had been waiting 6 months or more. I said, you have lots of people waiting longer than I have? He said yes. He also told me that he was my LAST STOP and that he would take over the expedited request sent in earlier in the conversation in hopes that maybe it would do something. We had a conversation about my lack of faith, trust, hope that anything had been accomplished today and how many people had wasted their time and energy. I also pointed out that i didnt want an unfair advantage over anyone, and that perhaps that was part of the problem!! Im so upset. 

I said thanks, and that my next stop would be to contact the CFPB.
I have a JC Penney store card ( not XXXX or XXXX ). I took advantage of a deferred 18 month no interest promotion which expires on XXXX. When I have current month activity they apply my payments to the promotion first so I incur interest for the current payments each month. I pay enough each month to cover the current charges and make additional payments to pay down the promotion balance. 
When I make a web ( or check payment ) there is no system or mechanism to designate how I want to have the payment applied. I called customer service and it took 5 minutes to go through the voice response unit ( wo n't let you opt out for a representative ) to reach a live agent and go through the ID questions to talk to an agent. The agent said after I make each monthly payment each month ( 60 minutes a year - 12 payments x 5 minutes ) I would have to call customer service to direct how I want my payment applied. This is a whole lot of hassle. My wife wants me to payoff the credit card ( lose the remaining benefit of the promotion ) and destroy the credit card. We will stop buying anything from JC Penney at all ( we do n't have these problems with XXXX XXXX, Lowes or XXXX on their interest free promotions ). 
We also received an unsolicited JC Penney VISZ or MC which we did not activate and shredded.
My family has been harassed by Appelles debt collection disclosing personal information to family and friends both through message and phone conversation. I have copies of messages left by these harasser 's threatening to sue me on my family member 's voice mail. They also disclose an amount and what it's regarding. They are attempting to tarnish my reputation among my family and friends. I will like your help in stopping this activity. 

Best Regards, XXXX XXXX
I took out a private loan whilst I was a graduate student at the XXXX XXXXXXXX XXXX. I have had periods of deferment/forbearance/difficulty paying. The loan balance now, in XX/XX/XXXX is actually higher than when I graduated in XX/XX/XXXX. I am totally frustrated. I make payments every month and NOTHING changes.
I got a letter from Pressler and Pressler. They claim I owe a debt of XXXX. I requested validation immediately. This debt is not mine and I know they have no proof but the letter and my rights say i must request validation. I sent the request certified mail to XXXX XXXX. recipient did not print name on card. I got some strange looking copies of documents. They claimed to be court transcripts from XX/XX/XXXX. I had never seen these before. There was no court appearance date. I was never served a subpoena or sent anything through registered or certified mail. Even if this debt was mine, which it is not, this would be a lack of due service. you cant just SAY someone owes you a bunch of money and have no proof. I was also given a credit card number I never had. I sent a restricted mailing to XXXX XXXX. The signature was again illegible on the return card. I advised him the documents he sent were not proof of any debt owed to them by myself. I then got another letter telling me of alleged debt to which I am advised to send another validation letter within 30 days or debt will be considered valid. How many times will I have to do this? I believe they are trying to get a default judgement but the debt is not mine. If the debt was mine, which it is not, I feel i should have heard about it long ago since on the paper i was sent it says the last payment was XX/XX/XXXX. Why am I suddenly getting letters from this place now? I realize they are a junk debt buyer but I never had this credit card they say I did. If they could prove otherwise I would not be complaining against them obviously. I feel I will be inundated with mailings from them until i get sick of it and give up. I do not wish to give up because I DO NOT owe these people any money but they are legally allowed to continue to use my name as leverage to try to obtain money that is not theirs.
Settle it promised me 2017 to get my federal loans forgiven. They have been charging me monthly for working on getting my loans consolidated and forgiven. Until two weeks ago a new rep confessed they do not work to get my loans forgiven nor fixed. They just work to get my loans offset.
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you