WillisBack/dataset-financial-user-claim huggingface dataset:
My husband passed away on XX/XX/XXXX. I, in good faith, did notify the mortgage company the week after he passed. I have mailed in full payments on XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX. These payments represented XXXX, XXXX, and XXXX payments. In the interim, after speaking with the " Relationship Manager '' he recommended that I submit a loan modification for the mortgage. I clearly admit that I am unable to pay this amount with the loss of my husbands XXXX, upon his passing. I had two telephone appointments with this " Relationship Manager '', and our last conversation on XX/XX/XXXX he told me that things were looking " nice ''. On or around XX/XX/XXXX I received a letter and packet from them dated XX/XX/XXXX stating that my application for modification was denied for lower credit and my income to debt ratio. With this packet, they sent me the following two options : Deed in lieu of foreclosure with up to {$10000.00} to restart my life or proof of a listing for a short sale by XX/XX/XXXX. In the interim, the property suffered fire damage for which I finally got payment from the insurance company in XXXX. This payment was in the amount of {$40000.00} and is sitting with their department. I have provided them with documentation to begin the repairs but they are still waiting for more. : ( What I had proposed doing is letting me have the required funds to perform the repairs and apply any remaining balance toward the mortgage. I have hired a realtor and will be listing the property on or around the XXXX of XXXX. I am also advised, by the mortgage company, that I can appeal this process and that will give me 30 more days that they will not pursue foreclosure proceedings. I really need some help here. I have been upfront and forthcoming with this lender throughout the process and have not been avoiding them and just feel that I am being punished for my honesty with them.
Called they told me they could not delete hard inquiries that where not authorized/initiated by me that are a clear result of identity theft.
This letter is to inform you that   XXXX   has failed to respond to my phone inquiry dated  XX/XX/XXXX  regarding unknown inquiries on my credit report. Since that time, there have been additional inquiries that have appeared on my report. As a consumer, I have the right under the FCRA to have these unknown inquiries removed accordingly. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ; -  XXXX   XXXX   XXXX   ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   , OH  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -  XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA    XXXX  -   XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , UT  XXXX  - XXXX /  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , SD  XXXX
On XX/XX/XXXX, I submitted a letter to TransUnion in reference to two ( presumably ) credit card accounts from the same company, with the following language : " The listed items are completely inaccurate and/or incomplete, as I have never held any type of accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. '' On XX/XX/XXXX, I submitted a letter to TransUnion in reference to an account listed under a creditor named XXXX XXXX XXXX, with the following language : " XXXX XXXX XXXX continues to report inaccurate information on my credit report with TransUnion, without sending in proper documentation as proof that the account is in fact my debt ... .Your credit bureau has failed to protect me as a consumer and has not followed the proper guidelines in place to verify debts on my consumer credit file. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. '' Also on XX/XX/XXXX, I submitted a second notice to TransUnion in reference to another debt collection agency, XXXX XXXX, XXXX, with very similar language. 

As of today, XXXX XXXX, I received a notice from TransUnion stating to contact the creditors directly. TransUnion also failed to inform me of the necessary steps they took to verify these erroneous accounts. I have reached out to TransUnion numerous times regarding various reporting errors, including unknown employers and addresses. I have not received any assistance from this credit bureau regarding any of my requests. Attached are all the letters mentioned.
I had a credit card through XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX. I used a debt consolidation loan from CitiFinancial to pay it off in XX/XX/XXXX. Now years later my paycheck and bank account are being garnished and XXXX XXXX states they never received payment. The debt was sold to a debt collector about 2 years after the consolidation loan was taken out to pay it off. All other debts that were paid using the loan are paid, this is the only one that was not. We have paperwork from our loan that says that money was sent to XXXX XXXX XXXX. If it was not sent as the loan says then Citifinancial breached the contract. When we called to get copies of the paperwork they were unable to provide copies of the checks or account numbers associated, though we brought in our statements and they wrote the checks from those. They stated that since it was over 7 years ago they no longer have check copies and can not provide me with any proof that they were ever sent. We were never in possession of the checks and CitiFinancial dispersed all funds themselves. My bank account is wiped clean at least once a year for the past 7-8 years and my paychecks are being garnished for around {$400.00} each month for a debt that we took all steps to pay in XXXX.
My son had moved to XXXX and my nephew set up a Paypal account for me. My son was depositing money so I could pay his bills in the state plus deposit money into our account for him. I had withdrawn money and put it into my bank account and then I went to withdraw again and there was a hold on my paypal account. 
I contacted then and they informed me the paypal account was a business account and they needed more information. I told them there was a mistake as it was suppose to be a personal account not business. They informed me they would let the department know and the account would be released. That never occurred and I phoned them 4 more times. I spoke with XXXX and XXXX supervisor who told me that department is very behind and it takes at least 6 months to look at the complaint and it 's been just over 5 months. They told me they received all the paperwork that I sent and that it would be at least another month before it was looked at. 
My son was n't able to start college on time and he 's not getting the interest on his money he would receive in the bank.
Home Depot credit card/CITIBANK They reported me late on my credit report ( all three ) XX/XX/XXXX I called them and disputed it and with the bureaus. I have spoke with several different agents at Citibank since XX/XX/XXXX.I always get different stories. one person said I was late 9 days, another said I was late XX/XX/XXXX days, and they said XX/XX/XXXX. It was reporting XX/XX/XXXX on all three bureaus until recently. Now all the sudden they removed XX/XX/XXXX on the XXXX  report and put XX/XX/XXXX! I talked to another lady forgot name I can look for it said she would do a nine day investigation and I had to call her back as she did not return the call to me with info by the date she stated. Furthermore here is the truth 1 ) I was moving and lost My monthly statement. I called in and got a offshore agent .I took my time as there is a language barrier and said what is my payment lost statement. She gave me my amount I paid it and went on with my day. I filled out an application for a rental as I sold my house and needed to rent. the fico score was low. S o I checked the report and saw Citibank reported me 30 days late. I then started my dispute. I paid what I was asked. They are always changing their story. Please investigate they are putting false info on my report and now changing the months .I almost feel like they are harassing me or some sort of retaliation. 
They have cost me money as I had to pay hefty deposit to get in the rental because of there inaccuracy.
I am not sure but I keep receiving emails after I filed bankruptcy. I gave them my lawyers information and my lawyer even attempted to contact them. They stop the emails for a few weeks then they start right up again. Here is a copy : Case File No : ACE XXXX Balance Amount : {$970.00} Creditor : XXXX XXXX XXXX Case File Transferred to ACE : - XX/XX/XXXX 2017 Subject : Notice of Legal Proceedings against fraud activity. Dear Customer, Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, XXXX has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of {$2800.00} against you, we request you to kindly pay the Court Restitution Amount which is {$970.00} If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 50-55 % of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.
My credit card from Pentagon Federal Credit Union was hacked. On XX/XX/2017 at least XXXX fraudulent charges were made and a third attempted. When a vendor notified me of the attempted fraud I immediately cancelled the card and a new one has been issued. On the same day Penfed caught XXXX of the fraudulent charges, it let another XXXX, for XXXX that amount, go through as a legitimate charge and billed me for a {$490.00} purchase I never made. ( See accompanying letter and statement. ) They are grossly incompetent investigating fraud and their attempt to have me pay for such an error amounts, essentially, to a violation of the federal mail fraud act.
XX/XX/2016 {$120.00} as past due So Im contacting this company directly to let them know this is not my debt.
I am in the income based repayment plan. Every spring after completing my tax return, I re-submit my annual IRB paperwork. This spring the website to submit the information through was down for weeks to months. So I printed the paperwork and mailed it to FedLoans, my servicer. They incorrectly inputed my family size as XXXX  instead of XXXX. As a result, they said I owed $ XXXX/mo when in fact I owed $ XXXX/mo. I called several times and had them do a re-calculation. ( Which it seems like most years I have to do. ) But this year, although I was assured it would be completed in 7-10 business days, way before my first due date of XX/XX/XXXX, it was not. In fact, ultimately I requested an expedited recalculation and an even more urgent recalculation. Finally in XX/XX/XXXXthey got the amount right.
However, I was already set up for direct debit. I thought this would be a smart way to ensure that I was never late with a payment since the penalties are so harsh if you are. So in XX/XX/XXXXthey pulled {$750.00} from my checking account that they were not entitled to. When I called, they said it was too late to stop the payment. I cancelled direct debit at that time. In XX/XX/XXXX, I paid them what I knew I owed them even though officially they still billed me {$750.00}. In XX/XX/XXXX, they finally billed me for the correct amount. I sent in my payment of {$520.00}. 3 days later, they pulled a second payment of {$520.00} even though my direct debit was cancelled and I deleted my account info from the website. I called and spent 48 min on the phone today trying to get them to apply the second payment to my XX/XX/XXXX bill. However, since I am in the student loan forgiveness program, they can not. They directed me to go to my financial institution to dispute the direct debit. So in the last 2 months, they have pulled {$750.00} out of my checking account that they are not entitled to. {$230.00} they have told me I will never get back. I can dispute the most recent ( second ) payment of {$520.00}, but who pays the fee to the bank to stop payment. And how do I know that they wo n't pull money out again next month. They told me that they wo n't now, but I 've heard that before. Please keep these incompetent people under control. How can they be allowed to function like this???
This is my third complaint against XXXX XXXX at Capital One. He continues to close my account without thoroughly investigating. He sent me a copy of a form that looks made up and isn't my signature. I called him several times, but he did not answer. XXXX XXXX had a pig of a salesman who literally ran my credit multiple times without permission and XXXX XXXX declined my request to remove the hard inquiry. I reported it to my state attorney department that handles this and hopefully they take care of it. I will not stop until I get justice and get these illegal acts removed.
XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX account was never late 30, 60, 90 or 120 days or beyond.
Caliber Home loans has failed to send my Homeowners Insurance Policy payment in a timely fashion, the payment was due on XX/XX/XXXX and set to expire on that date if no payment has been made. Caliber claims that they sent the check to XXXX on XX/XX/XXXX. Today on XX/XX/XXXX XXXX still has not received the payment from Caliber. XXXX has repeatedly stated that there is a 30 day turn around for policy payment applications that are part of a bulk amount from a mortgage company. Caliber Home loans admittedly was aware of this policy and claimed they were never billed directly by XXXX and therefore never made the payment. XXXX XXXX ( XXXX : XXXX Phone # : XXXX ) a Caliber home loans employee refused to connect me with upper management, refused to issue another check to the insurance company and refused to resolve my call on the line. Because there is water in my basement and XXXX wont process my claim until the payment is received I am stuck. XXXX refused to help me any further and told me to simply wait until XXXX got the payment. When I stated this was not sufficient she told me I could get a manager call back within 2 business days. As my situation is not one that can wait I told her that I needed to speak to someone today, she refused eventually disconnecting my conference call with her and the insurance company. She consistently placed blame on the insurance company and took no responsibility on behalf of Caliber for them allowing less than 5 business days for the check to reach XXXX and be applied before the expiration date.
On XX/XX/2018, I noticed there was a US BKPT CT dismissed listed on my Experian Credit report. On XX/XX/18, I sent a certified letter to Experian asking them to validate this listing, which they received and signed for on XX/XX/2018. I received a reply from Experian on XX/XX/18, stating that " The company that reported the information has certified to Experian that the information is accurate ''. On XX/XX/18, I sent another certified letter to Experian, which was received and signed for on XX/XX/18, asking them how they validated this listing, and to provide me copies of such. I received a letter dated XXXX, from Experian stating " We have previously processed your dispute and the credit grantor has verified its accuracy. I also received and have attached a copy of the letter dated XX/XX/18, stating, " ... .public record items, which are obtained from courts and other government offices. 
I have attached a letter from U.S. Bankruptcy court stating that they do not report nor verify this information. Experian is knowingly and deliberately not abiding by the FCRA 623 ( a ) ( 5 ) and FCRA, Section 609 ( a ) ( 1 ) ( a ) law ( s ) that govern them.
Submitted dispute on XX/XX/XXXX in regards to inquiries on credit that I did not authorize and received a notice XX/XX/XXXX that some were deleted but they are still showing as inquiries on credit report.
I closed a personal checking account held at what is now Santander Bank on XX/XX/XXXX. The bank has it closed as of XX/XX/XXXX. Regardless they still send me Statements, which show a XXXX balance. I tried on a number of occasions to correct this problem, get them to acknowledge that the account is closed and to stop getting the statement, both at the branch and with the Company headquarters. 

The latest attempt was on XX/XX/XXXX, where XXXX XXXX XXXX provided me with a letter on Santander letterhead, stating that I do 'not hold any open consumer deposit at Santander Bank NA '. He advised that I would not get any additional mailing from the company after XX/XX/XXXX. 

XXXX XXXX is a Santander Personal Banker at XXXX XXXX XXXX XXXX, XXXX NY XXXX Branch ( XXXX ) XXXX. 

Recently I received a 'Statement Period XX/XX/XXXX-XX/XX/XXXX Santander Value Checking statement '. It shows a XXXX dollar balance and below that in the section 'Important Notice ' it states 'We may begin charging an Inactivity Fee '. 

Kindly assist me in getting this account shut down and ensuring that Santander stops mailing statements to me. 

Thank you for your assistance.
I settled an account on my credit report ( Security Credit Service ) in XX/XX/XXXX and XXXX is still showing open. After viewing this I disputed and it was not handle properly. The report came back as the account was mine, but this was not the dispute. I requested them to close it account was settled. It is still being reported as open. I contacted Security Credit Service and they informed me that they submitted that the account was closed and they did not put in a last report of XX/XX/XXXX pass due XXXX days, but it is on my report as such. XXXX continues to improperly report the credit information and refuses to recognize the settlement. The other CRA 's ( XXXX and XXXX ) has it listed as closed from my credit report immediately.
PORTFOLIO RECOVERY ASSOCIATES I disputed the debt via online portal and via written communication and requested validation of debt. The company did not provide full validation and continued to report the accounts on my credit file. This has caused financial hardship as a result of their actions.
Hello The loan servicing company is rejecting my mortgage payments. I have been in contact via the mortgage specialists XXXX XXXX and XXXX XXXX. So far I have no response why the loan service co is not accepting my payments, although in the last payment I have overpaid the loan servicing company.

Sent an email to XXXX XXXX Received no response. Sent another one and XXXX XXXX  referred me to XXXX XXXX. No response.

Here is the last email.

XXXX XXXX  <XXXX> To : XXXX XXXX Cc : XXXX  XX/XX/XXXX at XXXX XXXX Please provide customer with response. Thank you, XXXX XXXX XXXX is not providing a response. He is on a mission to bankrupt me. He is delaying his response on purpose so that my payments are late. He asked me to send a little over {$6000.00}. I sent over 10000 and he did not accept my payment.

Here is the bank proof that I have sent the moeny.

Dear XXXX XXXX : We sent this payment, but your payee rejected it and your bill hasnt been paid.

Payment to Rushmore Loan Management Service from account XXXX for {$1500.00}, to be delivered by XX/XX/2018 XXXX.

Please make sure you've entered all of the payees information correctly. If you make changes, you can try to send the payment again. If everything looks right, please contact your payee.

If you use personal financial management software, such as XXXX  ( R ) or XXXX XXXX ( R ), please look at your payment details for the most up-to-date information.

Have questions? We offer many answers, and other ways to reach us, at XXXX.

Please don't reply to this automatically generated email.

We know you have a choice of banks. Thanks for choosing ours.

Sincerely, Your Online Banking Team
I was already enrolled in classes for the Spring semester 2013 at the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. As a result it was my understating, From XXXX representative, that if you are enrolled in school loan payments are frozen once you are actively enrolled in college classes. Yet it shows I have late payment form XXXX on my credit score on that student loan account when I was clearly enrolled in school. This is clearly detrimental to my credit worthiness. There is an attached screen capture show me paying off the remainder of the Bill from the spring 2013 so I can register for the Fall 2013 semester.
I am a XXXX year old XXXX veteran, and entered into an agreement with DMB financial in XX/XX/XXXX to settle my credit card debt. I ended the relationship with DMB in XX/XX/XXXX due to suspicious transactions, for example : settlement fees yet none of my accounts are settled, large number of payments and subsequent reverse payments, etc. 

Over that period, i have deposited {$6900.00} into a designated account. Upon ending the relationship with DMB, they sent a check for approximately {$900.00}. As of an email dated XX/XX/XXXX, none of the accounts are settled. 

Despite repeated requests ( from both my son and me ) to detail how the balance of the funds were used, we have not been able to obtain a clear answer. Often times they claim they must research the situation but do not follow up - and now that the relationship has ended, they will not service the account at all.
The credit Bureaus are giving out wrong information on me and refuse to give me my credit report. I am being discriminated by the credit bureaus and they are giving the XXXX person, who is using my information the correct information, and giving the people that I apply too, the wrong information.
I received an offer by Citibank XX/XX/2015. The offer stated that if I opened a Citigold Checking account and met their requirements they would give me a signup offer of XXXX XXXX XXXX miles. I opened and funded the account and met their spending requirements and they will not honor their offer. I have in writing from Citi over their secure message service several messages from Citi confirming I qualified for the promotion, I met the spending requirements, and that they would be issuing the miles to my account XXXX XXXX. 

However, Friday they sent me a new letter telling me they were not honoring their end of the agreement. I advised them I have their confirmation in writing that I would receive the points, but they do n't care. This is a breach of contract at least and possibly even fraud. The reasoning they gave for me not getting the points is because they want proof I was targeted for this offer, but I do n't have the letter I initially received anymore. I threw it away after their reps confirmed in writing that I qualified.
When Collection agency first contacted me, I was only told that if I did not pay the debt off, my name would be reported to all XXXX credit bureaus. I was not told I had the right to verify the debt and that by disputing it, I would not have to pay anything until the issue was resolved. I agreed to pay XX/XX/XXXX, but only found out by mail a week later that I could have disputed the debt until I received verification. I then wrote to the Collection agency as did an attorney on my behalf asking them to cease further collection until the dispute was resolved. They still automatically withdrew money from my checking account this month, putting me in a very awkward position financially.