WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I was informed that all my Citi cards had been closed for some mysterious reason. Called and spoke with several representatives, none could give me any information other than to write to the Executive Response Unit. I did, they haven't responded a full month later. In the mean while they stole {$810.00} of my cashback ( the majority of which I was awarded back in XX/XX/XXXX and hadn't cashed out yet ) from my Double Cash card. 

This card earned 2 % cashback in the following manner : 1 % cashback for purchases, and the other 1 % cashback when those purchases were paid in full. Conveniently they aren't giving me access to my statements which shows the cashback amount. I have a statement for the status of the account as of XX/XX/XXXX showing I have a cashback reward balance of {$620.00}, and a charge for {$9000.00} for that cycle ( the {$620.00} amount includes the 1 % cashback for the XXXX charge ). Since I have no late or missed payments on any account on my credit reports- it means I have paid that balance off in full, and it also means that I would have received another 1 % cashback for that payment giving me a cashback balance of {$710.00} ( XXXX + XXXX cashback for paying the balance off ). 

Then in XX/XX/XXXX I made a charge for {$9500.00} which would have earned me {$95.00} ( 1  % cashback for the purchase ), leaving my cashback reward balance at {$810.00} ( XXXX + XXXX ). This is the amount they stole from me- I want a check sent to me for the amount of {$810.00}.
I applied for a loan modification on XXXX/XXXX/XXXX. It was denied on XXXX/XXXX/XXXX because OneWest said that there was no material change in circumstances, which is not true. Previously I had applied for a loan modification with OneWest. The last time was on XXXX/XXXX/XXXX. At that time my income was {$5800.00}. Now my income is {$4800.00} which constitutes a material change in circumstances. According to the Homeowner Bill of Rights, OneWest must give me 30 days to appeal the decision. OneWest is refusing to allow me to appeal and is going to move forward with the foreclosure which is set for Friday, XXXX XXXX, XXXX.
On XX/XX/17and XXXX17, I have requested that this authorized user card be removed from my name and from my report. I have no financial liability for this card and do not wish to be an authorized user for this card.
A person called me claiming he was law enforcement telling me I owed XXXX. The guy 's name was XXXX from XXXX from XXXX ext XXXX person said I owed on an XXXX I never had. He threatened to sue me and ruin my life. He was very rude, intimidating and told me I need to give him XXXX to make it go away. I told this person I did n't have a card in years. He hung up called my job and tried to get them to garnish my wage without any information, paperwork, or phone number because he said he could do what he wanted and did n't need it. He must have pulled this scam before but my job hung up on him and that is why I am contacting you. another person at XXXX called to do the same thing a week before. Claimed to be from XXXX asset management guy named XXXX XXXX ext XXXX. I am tired of these con artists and have no clue who these people are and how they got my information but I am filing this complaint to stop this type of crime. If it can happen to me it might be happening to someone else. I am not paying people who refuse to identify themselves, have false claims, and is trying to shake me down for money I do n't have
On 5 separate occasions I contacted Equifax in regards to unauthorized fraudulent inquiries showing on my credit report. On my last call that I placed on XX/XX/XXXX the representative from Equifax advised me that the inquiries ( Equifax Mortgage-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, and XXXX/XXXX-XX/XX/XXXX ) would be removed as fraud since I do have an active fraud alert on my file. I received an updated report online and the inquiries were NOT removed but instead I was sent an explanation stating that inquiries are factual data and can not be removed. I contacted the creditors that obtained my report and asked them to remove the inquiries due to them being fraud and have been unsuccessful. I was told that I would need to contact Equifax. At this point these inquiries are hindering my ability to obtain credit and need to be removed as FRAUD
I 've complained already. The bank changed my bank account stating it was no longer linked to a mortgage account, when it was never a morgage account in the first place. They began charging a monthly fee of {$25.00}. After my last complaint, they wrote that they would waive my fees until XXXX 2016 so I could decide what action I want to take. They are refusing me to change the account to one without a monthly fee, when there are other types that do not require a monthly fee. I will most likely have to close the account now which makes me mad as it 's linked to family members for transferring money. I would like a differrent account that does not charge a monthly fee. Additionally, when I first brought this up, they waived XXXX of the fees I had been charged. However, I have been charged XXXX others that they refuse to remove. So I get waivers, they agree not to charge me for a couple months, but then wo n't remove the fees I got charged in the meantime.
Received a phone call from IQ Data International. Saying I owed a balance of XXXX which includes 7 % daily interest for the XXXX XXXX. I explained to them that I haven't received anything in writing to date about the amount. When I asked what address they had on file for me it was not accurate. Keep in mind I moved out from the XXXX almost a year ago. Also explained that I am disputing the amount owed. 1 ). Because the amount owed involves cleaning fees in which I was told I wouldn't need to pay because when I moved into the apartment it was dirty and infested with spiders. 2 ). Because the final amount to move was given to me by the XXXX and I was told that was the full amount to satisfy the rent. They have been charging me fees of 7 % daily and threatened credit reporting if I did not a pay the amount. I explained to them I don't have the funds to pay it. They said we could look at hardship options. After providing my financial information which clearly shows I don't have anything extra each month I was transferred to senior representative. They advised that I should just charge it to credit cards, or skip a car payment to pay it. And although I am disputing it I still have to pay it and request to be reimbursed later. Her only goal was to demean me and bully me into paying it. When asked to speak with a supervisor the senior representative refused and said I was the only one they could speak with. I ultimately had to hang up and call back and the supervisor again refused to help me. When I called in tears he said maybe you should call me back when you can get it together. When I asked for options he said I just need to pay it. I would like a review of the phone call between myself and the senior representative in addition to the supervisor. The collection practices are unfair and abusive and I want the company reviewed. I was literally in tears by the time I got off the call. I know they don't care and clearly the collection practices of this company are not being reviewed. I will also be filing a complaint with the XXXX. This is not right what they did. 

Date of call XX/XX/XXXX IQ Data International XXXX
The borrower lives in a house that her deceased mother took out a mortgage on. The property is titled in the borrower 's name, but the mortgage is in her deceased mother 's name. The borrower currently has a foreclosure action pending against her in XXXX County, Florida. 
The borrower was offered a permanent loan modification in late XXXX 2016. The borrower executed the permanent loan modification on XXXX XXXX, 2016. The borrower 's attorney sent XXXX executed copies of the loan modification to the servicer 's point of contact, XXXX XXXX of Seterus, on XXXX XXXX, 2016 via certified mail return receipt requested. 
XXXX XXXX then asked the borrower to submit a death certificate for the executor of her mother 's estate. The borrower 's attorney faxed and mailed a copy of the death certificate to XXXX XXXX on XXXX XXXX, 2016. 
The borrower 's first payment under the loan modification was due on XXXX XXXX, 2016. The borrower made her XXXX XXXX, 2016 mortgage payment. She also paid her XXXX mortgage payment. 
Seterus is sending the borrower correspondence dated XXXX XXXX, 2016 stating that the loan is delinquent and the XXXX XXXX, 2016 payment through the XXXX XXXX, 2016 payments are outstanding. Seterus also sent the borrower a mortgage statement dated XXXX XXXX, 2016 stating that he amount due is {$16000.00}. 
The borrower 's attorney filed a motion to dismiss the foreclosure action with the court. However, a new foreclosure sale date has been scheduled with the court for XXXX XXXX, 2016. The borrower 's attorney has contacted the Plaintiff 's attorney several times regarding resolving this issue, but the Plaintiff 's attorney says it does n't have any record of a loan modification being executed.
Called my father and asked for information on me. Would not say what they were calling about except to say that they were calling about a legal issue. They did not call me first instead they contacted my father. I have heard nothing from them even now.
I was denied a copy of my credit report due to a vehicle, I have no knowledge of. After I tried to pull my credit just last week I found that I was being sued for XXXX for a car wreck I am assuming. I tried to let the company know I have not filed a claim nor have I owned a vehicle in quite some time. I have purchased and sold cars but lease one never. Please help me get this rectified, it is keeping me from getting a job.
In XX/XX/2016 while I was stationed in XXXX XXXX, I received a debt collection notice via mail from XXXX XXXX XXXX in the amount of {$150000.00}. Ive never heard of the company so I did research and found they were a collection agency for a copy called XXXX as indicated on the debt collection notice. At this point I had no idea what either company was, why they insisted I owed them money or what the money they claimed I owed was for. I spoke with a representative from XXXX, XXXX XXXX which informed me that the collection was for 2 XXXX Franchise locations. I explained to him I had no know of either. He proceeded to tell me that my signature is on the franchise agreement documents. I told him thats not possible because Ive never signed any agreements. He then said that my signature was only on 1 franchise location versus 2 and removed 1 entry off of the credit reporting agencies. I requested a copy of the alleged signature and what I received had absolutely no match with my authentic signature. This is clearly a case of forgery and fraud! Ive submitted a copy of the police report to XXXX XXXX and was told that it did not matter the collection would still be reported. AWAs client has no validation of my signature. No picture ID card, nothing notarized not to mention I was 2 states away on a military installation when this alleged signature was signed. Both XXXX Franchise and AWA are in compliance with allowing fraudulent signatures to be used on their documents! They do no verify nor authenticate signatures prior to issuing {$150000.00} loan. They have pathetic business practices! They can not produce ANY documentation other than a fraudulent signature. No copy of photo ID no notary, just a forgery. This fraudulent account needs to be removed ASAP!
calling for a person that is n't at this number, says to call them at XXXX and use a reference number. i advised them XXXX on the phone and left info on their web site this person is not at this number. after telling person on the phone the robo calls started
Phone calls from ( XXXX ) XXXX starting XX/XX/1017 claiming to be Chase Bank stating my account is overdrawn. Subsequent calls have my overdrawn balance getting larger. I do not bank with Chase and I asked that they stop calling. I have received six calls since that date and I have added the number to my auto reject list but the calls continue to come. I contacted Chase fraud unit regarding the calls from this number, and they stated that number is not one of theirs.
Since our servicer has changed there has been problem after problem. 
!, right after Mr. cooper took over purchased home owners insurance when active policy was already in place 2, held payments in lieu of additional payment. 
3. purchased flood insurance when not in flood plane. 
4. pre-approved modification that extended mortgage from XXXX to 40 years. 
5. there has been numerous issues that this company has not addressed or taken responsibility for. they recently denied a modification stating too that there were 2 before. They need to be held accountable and they need to honor the last modification it can not be right to double the length of an existing mortgage. I have been in direct contact with the mortgage originator XXXX XXXX with less than stellar results and i quote, " SOMETIMES A MODIFICATION IS NOT A GOOD THING. All I want is to keep my home. 
Mr. Cooper says we are here to help and thats not true. On XXXX XXXX there was a complaint filed with you and no response from them at all. 
All I get is a standard form letter from them attached are XXXX but there are more. Attached is a receipt sent registered mail. In addition XXXX XXXX has been sent numerous documents as well
i am trying to get a house and all three credit agencies are report three different things. I initially on dispute on agency now I would likke transunion to show the same information as the other three as all should be the same.
I have called this company now twice on a Recorded line and asked them to provide by law the permissible purpose for their inquiry and they say they can not do that and would remove it. That was back in XXXX and then again today. This company accessed my credit without written consent and are refusing to remove the inquiry. This is the last chance to do it before a complaint with the State Attorney Generals office is filed. ON A RECORDED LINE TODAY THE REP SAID THAT THEY HAD ME GOING IN AND APPLYING FOR A LOAN WITH A BRANCH HERE IN XXXX XXXX THAT IS 100 % FALSE, I HAVE NEVER DONE SO. I AM DEMANDING THAT A SIGNED AUTHORIZATION BEARING MY SIGNATURE SHOWING THAT I DID SO TO BE SENT TO ME IMMEDIATELY IF YOU WISH TO KEEP THIS INQUIRY ON MY CREDIT REPORT. IF YOU REFUSE I WILL HAVE NO CHOICE BUT TO FILE A COMPLAINT WITH THE STATE ATTORNEY GENERALS OFFICE HERE IN COLORADO.
Account name XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Comments Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
We turned our vehicle in on XXXX XXXX, 2016 well before the month end date of XXXX XXXX and yet US BANK says the vehicle was n't " grounded '' until XXXX XXXX. They are trying to charge us for an additional month 's Lease that we did possess the car. 
It should be noted that this situation has been going on since XXXX of 2016 with me calling US BANK each and every time they sent us a statement. They are so incompetent that the representatives had no clue as to what was going on ... they would say we were missing documents and at other times saying we did n't pay the mileage fee ... 

These people were the worst to deal with and each and every person I spoke with said the same thing about US BANK as being a terrible company.
I had a water damage in my house. I filed the claim to insurance company and settlement process went pretty smoothly, I got my check in about 10 days. Since the damage was major, the check was issued on my name and on Seneca Mortgage Servicing LLC, so I had to sent the check to Seneca. And my real problems began.. I sent all paperwork as requested, with fast overnight shipping. It still took them 4 days to call me to notify that they ca n't issue the check because they ca n't validate my contractor. I asked for check for partial amount and it took them another 5-7 days to issue the check and then mail it ( another few days XXXX. I sent out corrected contractor document overnight and I called them in the meantime. I called them 3 times during the same day, since they kept informing me that my contractor data is incorrect. First time, they told me that the day before the payment was submitted and then denied because of " some reason ''. I asked what is wrong with my contractor details, they could n't say. I called second time and they told me that they are waiting for corrected form ( it was delivered 4 days before ). I called another time the same day and I was informed that everything is fine and they are submitting the payment. 2 days later I called to get confirmation and tracking number of the check and.. it turned out that the payment was n't submitted at all and they wasted another 4 days XXXX weekend + 2 days )!!!! 
Overall it was very stressful process, with inaccurate and misleading information provided by Seneca. It took 4 weeks to get money issued by insurance company while, I could n't pay my contractor and was living in the hotel. Terrible experience, Seneca should n't be allowed to provide mortgage servicing
I recently read a newspaper article that stated Barclays ( barclaycard ) has been fined by the Fed Reserve and NY State more than any other Bank. It has come to my attention, that barclaycard is charging customers late fees during this horrific hurricane season. Please stop them.
I financed a car XX/XX/XXXX from XXXX XXXX XXXX, a sub-prime lender. We financed about $ XXXX at a very high interest rate ( 16 % ). We paid on the car until we only owed {$1700.00} in principal. Then my wife had to stop working because she had a baby. We asked for the company to work with us and wait 2 months for payment because we were so close to being finished paying, but they would not and they repossessed the vehicle in XX/XX/XXXX or XX/XX/XXXX ( I can not remember exactly but it was right around XX/XX/XXXX ). They charged off the remaining {$1700.00} In XXXX XXXX. Now, they are reporting new late payments in XX/XX/XXXX and XX/XX/XXXX which is hurting my credit and is not allowed on charged off debts.
My Discover credit card has posted transfer balance from my previously disputed cared stolen transactions amounting XXXX a credit card service representative explained the posting has been forwarded from previously account and mentioned I will get the credit back. 
After 2 weeks my account has not been credited. Today after calling the bank another representative informed me that I am responsible for the fraud transactions because the lost stolen card fraud transactions were made in the similar store and the same amount that it is unlikely those transactions are fraud. 
I have repetdly informed the representative that I disagree with their decision and this is violating my right.
I used the annual credit report site, entered all required data, Experian and XXXX both said they could not confirm identity, did not even offer an chance to access XXXX, and there were no options to find out why they could not confirm identity, the only option was to back out and then wait a year to try again. I used the phone to request the reports and they needed less info than online, but said it would take 3 weeks before I got it when I needed it for a legal matter right now. All I can say is that this site is about as useful as your other one, the 'Do Not Call Registry ', and that is sarcasm, not praise.
I am not able to make my payments and Sallie Mae does not care. They only offered two payment options that would increase my monthly payment even more then they already do. I have called multiple times and nothing was done to help. They told me to not pay it so I can get calls from their collection agency. I live with my grandma and I help pay the bills and I barely have enough to make it day to day. I can not continue paying $ 1000s of dollars going up so much each month. And no one will consolidate because I dont make enough
I was an Authorized user on a Navy Federal Credit Union ( NFCU ) Credit Card the account went in default, I requested that all XXXX major credit bureaus remove this negative information from my account because NFCU refused to do so even after they acknowledged that I was only an Authorized user. XXXX and XXXX removed the negative information immediately. XXXX will not remove any negative information regarding NFCU I have tried twice with no luck please help.
My Equifax credit report information is intermixed with some one else 's. I sent XXXX Certified letters to Equifax that they have received, seeking corrections to my credit report. They sent computer generated response seeking information that I felt uncomfortable sending through the mail. The letters gave enough information to contact me directly, which they have not done. The information on the credit report is so wrong and interspersed with some one else 's information that direct contact is the best way to resolve the errors. 

I have been in contact with the other person through information on the credit report and he is also trying to correct the errors.
On XX/XX/2018, I ordered a 3-4 person double layer hydraulic-lift tent ( order XXXX from XXXX XXXX -- XXXX XXXX XXXX ) for {$69.00} and received on XX/XX/2018, a single layer tiny non-hydraulic tent ( it looks like a flimsy tent for a child/pet ). I disputed this charge after not hearing back from the customer service after lodging my complaint on XX/XX/2018. I sent photos and also noted that with checking, this XXXX XXXX is a XXXX scam and that there are many of us who were taken. Citi card denied my dispute " since we have not received the credit slip or chargeback approval letter from the merchant to prove they agree you are due credit for this charge. '' A description from others about the scam : XXXX XXXX XXXXXXXX
I have a forbearance on the debt until XX/XX/XXXX, with emails showing such, from the company. They are continually harassing my co-signer ( not me, oddly ) about payment on the loans. They provide the most absurd hoops to jump through in order to even contact them about it. The only email listed on the website is for a department called " XXXX, '' and any phone number goes to a machine which, shockingly, does not understand the command " stop harassing the cosigner, any more calls will be met with a lawsuit. ''