WillisBack/dataset-financial-user-claim huggingface dataset:
I am XXXX from a car accident from a long time ago. I had a XXXX XXXX that needed XXXX. that XXXX left me XXXX. As a result I fell behind on My Bills and went into default on my credit cards AMEX is one of them. On XX/XX/XXXX. XXXX American Express Bank got a Judgment against me. 
In XX/XX/XXXX I was forced to file bankruptcy as my home is also in foreclosure. That Bankruptcy was dismissed on XX/XX/XXXX. 
Also my mother passed away and her home is up for tax sale. I was able to sell my mothers property to pay taxes and Bills. I called the law firm for AMEX the law firm of XXXX and XXXX and spoke to XXXX XXXX XXXX. to settle the matter and get a release of Lien / Judgment. She told me that her firm does not have it any more and that the debt was transferred to XXXX XXXX XXXX XXXX at XXXX ext XXXX I spoke to a XXXX and he said I had a XXXX balance. I told him about the Judgment and that I need a release to close on my mothers property pay my back taxes and go on with my life. He said that the law firm handling this was XXXX XXXX XXXX XXXX at XXXX I spoke to XXXX XXXX he said his firm is no longer handling this and that I needed to call AMEX at XXXX and ask for a manager. I called Amex they told me to call XXXX and XXXX back the 1st attorneys I called them and they said to call back XXXX XXXX XXXX  again. I call them again left a message. Now I am writing you. This is a round robin something is wrong. Please Help Me Before I lose the buyer.
We made a payment to payoff our credit card after obtaining a mortgage on our home. We called the credit card company several times in an effort to find out if they received the check as it was not cashed. We were told, after waiting for over an hour on 2 occasions, that we sent it to the wrong address, which we advised them was the address on their website. Finally, we were advised that they had received the check, however, there is a credit of over {$500.00} which we were requesting be returned to us by check. However, after calling again at XXXX on a Thursday afternoon and holding on for almost another hour, I was advised by the call center that they were closed and to call back another time. 
Additionally, we received a letter that as the payment was late, this would affect my credit in a negative way. There is no way to speak to anyone and I thereafter wrote a letter to the credit card company. I also went to Citibank to try to get this taken care of, only to be advised that they could not help me. We were also charged a late fee, which I would like returned as they held our check for almost one month before our check was cashed.XXXX To date, some three weeks later, I am submitting this complaint.
Company makes repeated phone calls to my cell, would n't give me enough information to identify the debt ( I owe no debts ), and repeatedly asked for personal information, including social security number to " verify '' my identity.
I received a Motion for Writ of Possession dated XX/XX/XXXX show a certificate of service in mail and I have reached out to the mortgage company several times and we was in the process of modifying the loan. I am a victim of Predator Lending. The deed of Trust identified Lender as America 's Wholesale Lender and Stated that XXXX '' ) was acting solely as a nominee for Lender and Lender 's Successors and assigns '' and was ". I was giving an " Adjustable Rate Rider '' ranging from 8.5 % XXXX 2 years, 10 % interest payment XXXX XXXX ), 11.50 % ( payment XXXX ) and 12.875 % ( from payment XXXX to the end of the loan ). In XX/XX/XXXX I purchase a home with a mortgage loan XXXX {$370000.00} and XXXX {$90000.00} mortgage with the same company. 

I am not sure what happened where I stand right now my children are going to be homeless to the fact that your company refused to modified my loan. Worst thing that when I thought they were in the process of modifying my loan instead they decided to foreclosed and sold my home without notifying me the process. I believe my note is an Unendorsed Note by XXXX. My loan documentations is an open book XXXX XXXX XXXX XXXX XXXX. 
Green tree and Bank XXXX when i asked to speak to someone regarding because of my language barrier i get the run around. I went to the court they informed me that they have a court date on XX/XX/XXXX @ XXXX. And they stated that your home was sold since XXXX we do not have to contact you or serve you. If you received the Writ that means you was notified. I received the Writ thru regular mail dated XX/XX/XXXX
Debt was written off by original creditor in XXXX. This debt passed Texas statute of limitations in XXXX. This debt is not valid.
I disputed an Americollect account that is reporting medical debt in XX/XX/2018 with XXXX and XXXX. XXXX  and XXXX responded that the debt is verified as mine. The debt collector has not sent me notice that it was going to report to credit reporting agencies. The amount in question is {$1000.00} from a hospital. At the time that they are reporting debt I had insurance coverage through Medicaid for % 100 of hospital services. I had given the hospital my insurance information any time I had visited either the hospital or the physician that belongs to the same medial group. The only time I have had issue with billing is with the hospital. The hospital has not sent me an itemized bill or the reason insurance may not have paid for services on this account.
Listen simply stated, I found an issue based on a store card through Synchrony back in late XX/XX/XXXX in which a rep from Synchrony advised me, that my interest payments on a long term promotional purchase was not being paid off the way I intended. She looked back over my card going back 2 and a 1/2 years to find interest charged and fixed it. She told me a setting was needed to make sure interest was paid off on promotional balances " First '' and I needed to set that up. Since this was NEVER brought to my attention, I was thankful and luckily at least that was fixed. SHE told me to check my other Synchrony based cards and I did to no surprise, finding similar interest issues. So I have contacted Walmart Cards reps to get this resolved only to get canned responses and basically answers to questions that sound like they just deny me without even looking into my issue. This morning was the FINAL straw! NOW, reps are claiming that they have no notes from my older conversations and that even if I have claims going back to XX/XX/XXXX, they have been resolved, even though they can not cite to me how or produce proof why. They are basing their conclusions on NO NOTES. This is WRONG. I was promised an interest charge credit for XX/XX/XXXX for {$120.00} now going on a month and I still get a run a round answer
in XX/XX/XXXX I called Bank of America and asked if my credit card XXXX XXXX XXXX XXXX had any 0 % interest offers. I was told yes, by the agent I was talking too. I told him I only wanted a check that could be deposited into my Bank Account.for cash. 
He sent and I received check # XXXX. 0 % interest rate until XX/XX/XXXX Offer ID XXXX XXXX which must be used by XX/XX/XXXX. 

On XX/XX/XXXX I deposited into my chase personal bank account ending in XXXX the Bank of America check # XXXX for {$8000.00}. 

It was not until XXXX of XXXX that I noticed that I was not receiving the 0 % interest on the {$8000.00} as promised. I called the bank and was told that because I deposited the check for cash I was not eligible for the 0 % interest rate. Over the past 2 months I have talked to three managers. The first two said they would get back to me and never did. The third manager Ms. XXXX XXXX replied to me yesterday XX/XX/XXXX. She said she had a best offer which is reducing the current interest rate of 14.99 to an interest rate of 11.99 on the {$8000.00}. I asked if she would put it in writing and she said " no '' In summary I am very upset about this matter. I feel cheated!! 
Thank you for your attention XXXX XXXX XXXX.
I have a very general complaint to make about my private loan lender Navient. For the past 16 months, I have been responsibly making {$450.00} in payments every month for my private student loans for a total of {$7200.00} in the aforementioned months. Because of high interest rates ranging from 8.25 % to 12.5 %, only {$2200.00} of my paid {$7200.00} have made a dent on my grand total which is nearly {$50000.00}. I completely understand that I have signed contracts which stated that my interest rates would be within these high margins and variable and therefore, I have really done my best to take responsibility for my student loan repayment. However, I took out these loans when I was XXXX years old because my parents were experiencing economic hardships and their credit scores at that time did not qualify them to take out parent plus loans to help supplement my tuition. At that time and age, I barely understood what I was getting myself into ( with the future job outlook not to mention what compounded daily interest would really look like ). I am really trying to do my due diligence but for the past several years, I have developed health conditions because I am constantly struggling financially despite having a decent paying job to the point that I could not even purchase a health insurance plan through the Affordable Healthcare act ( which does not consider private loans when it totals each individual 's payment contribution ). I am simply looking for any kind of student advocacy group that could shed some insight, advice or hope as I am really struggling with what I truly believe to be a system that is immoral, and would be perhaps even engaged in what could be considered criminal practices if not for the vast amount of political lobbying power that it possesses.
Tax lien is not mine I have disputed this with the other agencies it was all removed would like them to provide me with the name the number and the extension of the person who they talk with
McCarthy , Burgess & Wolff Debt collection company has continued to call after being informed that my phone number is not associated w/the debt in collection. 

In addition, the calls are fully automated w/no option to be connected to an agent or other cognizant individual. Call-back to a different number is required to engage at all. Even if this is n't against policy, it 's obnoxious - especially since the debt being pursued is not mine.
Someone stole my identity and file federal income taxes and open credit cards and loans. I am unable to get a copy of my equifax report because the information they have on file and what I 'm reporting is not the same. I received my taxes after a year of proving myself to the IRS. Now I 'm trying to obtain a mortgage it 's showing up that I already have one which is false.
Concerning XXXX CitiBank credit card. I paid the balance on my credit card account in full in XXXX XXXX. CitiBank proceeded to charge me {$0.00} minimum interest in XXXX, then charged fees every month thereafter without notification. 

After contacting CitiBank to close the account, they refused.
Okay, I have contacted and spoke with this company numerous times. The company XXXX has been coming after me for years about this debt with XXXX Apartments ran by XXXX XXXX in XXXX in the amount of {$1600.00}. I satisfied all my judgement with them on XXXX XXXX, XXXX. I still have my original documentation from the day I paid them and have kept it just for this very reason. I have sent a copy of this document to them and they still are coming after me stating I owe them now and not the apartment. I moved out of the apartment XXXX of XXXX and satisfied my judgement while in court there is no reason that I need to pay these folks again.
I have a mortgage reporting from Citi Mortgage on XXXX  and XXXX. I have never had an account with them let a lone a mortgage. I have written to both bureaus and Citi Mortgage multiple times and have been unable to get any assistance. The account number for this account is # XXXX. Also my ex 's name keeps on appearing on my credit report under XXXX. I have also asked for this name, XXXX XXXX XXXX, to be removed multiple times.
XXXX   XXXX   XXXX   XXXX  has reported that my Auto Loan #  XXXX  was 30 days late in the month of  XXXX   2017  and  XXXX   2017 . There has been several adjustments on my account due to them misapplying my payments ; therefore, the statements I have been receiving are not accurate. I have been paying on this loan for the last 2 years and I have never been late and they are stating that they are not able to make any adjustments because they are reporting accurately even though the representative that I spoke with clearly informed me that my payment was indeed not 30 days late.   XXXX  I have reached out to them on several occasions to have this resolved and I submitted a dispute with t he Credit Reporting Agency  as  XXXX   XXXX   XXXX  told me to do ; however, they are still not updating the reports which is causing an adverse affect on my  credit score  at the moment.
I called Grant and Weber on XX/XX/XXXX to settle 3 bills showin on my credit. I have tried to do this 2 weeks ago and run into the same problem. I call 4 times on XX/XX/XXXX to settle the loan and call once on XX/XX/XXXX. Each time Ive called i got nothing resolved with this company. They are so rude and disrespectful when talking to you like we owe them something or we need to be greatful of them. I asked to settle and was told they will not settle i need to pay every cent. I was then told it was other. Bill that I didnt see and was adivse they didnt know why I couldnt see them and will make sure it goes on my credit. I then adivse the bill shouldve went to the primary card hold holder and not myself and the guy said your child your bill. I then asked for a supervisor and he said i will transfer to Tone his supervisor and then was hug up on. I have never been treated so ad by a company in all my life. They are putting me through mental and emotional stress trying to handle this so i can purchase a home. Im having anxiety attacks when thinking how i was treated. Please help me
Please have this company cease calling my private home phone number. I am not the person named XXXX XXXX that they are looking for.
The student loans under XXXX XXXX And XXXX are being incorrectly reported. The past due payments are more than 7 years old. I have  Disputed this many times as they are too old to be reported but they still remain on my credit report under XXXX and TransUnion And XXXX. Ive disputed this at least 5 times. The past due payments are more than 7 years old and are no longer reportable under the fair credit act!
I Requested the from the credit bureau transunion on three different occasions, by certified mail and the first time through the online dispute process about incorrect information on my credit file # XXXX and Acct # XXXX. 

The first time i contacted them was on XXXX XXXX XXXX via online dispute i informed them about inaccuracies listed for a public record of a bankruptcy that is being reported on my credit file.I also let them know that I was requesting to verify the method of verification used by your agency to list this information on my credit file. According to the bankruptcy court they do not verify bankruptcies with the credit Bureaus.i requested they provide me with the following : 1. The courthouse name ; 2. The name of the person who verified the bankruptcy ; 3. The court address ; 4. The court telephone number ; and 5. The documentation used to verify the dispute. 

I Also let them know i am aware that According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available And Furthermore, a third-party furnisher of information, such as XXXX XXXX XXXX  or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ) In Response to this they never supplied me with any of the documentation i requested, i mailed two certified mailings to them in response the all 3 of the same responses i was given by them, one was mailed on XXXX/XXXX/XXXX and the third correspondence was mailed on XXXX/XXXX/XXXX, they have only said the information was varied as accurate as an update without providing any proof of this from the bankruptcy court not a third party. they have failed 3 times to provide any of the information i requested so i requested that they Delete this from my credit history but with no success or proper response.
On Thursday XXXX XXXX, 2016 XXXX, I went to Citibank located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX to deposit {$100.00} for my brother-in-law into his checking account. I was told that in order to deposit the money, I would have to show teller my ID. I gave the teller my driver 's license ID as requested. 

After further discussion, her supervisor/bank manager ( XXXX woman whom I did n't get her name ), came over and joined the discussion. I was then asked by the supervisor where I worked before I retired. I asked, " Why do you want to know where I worked before I retired? '' She said this was Citibank policy. 

I responded that you have my driver 's license with my photo on it and that should be adequate. I gave her my former employment information requested. 
Then I was asked by the bank manager, " What did you do at the job before you retired? '' At this point in the conversation, I was livid. I felt that this was an invasion of my privacy. I have concerns about ID theft. They wrote the information down I gave them before I could deposit the money. 

I have never been asked to give personal information about my work status and the job I performed by any bank where I deposited money for a person in my XXXX years on earth. I want you to investigate this bank policy to see if it is applied to all who do n't have accounts at this bank. There was no visible sign in this bank about this policy. 

On the back of the deposit slip, I received states, " Deposit may not be available for immediate withdrawal. Contents and totals of any deposits listed on the reverse side are accepted by Citibank subject to verification and will be credited in the amount verified. '' There was no information about bank policy regarding a {$100.00} cash deposit.
I have reached out and disputed with XXXX, XXXX, and experian about these accounts on my credit report with XXXX these accounts should be removed. XXXX XXXX is showing a balance of XXXX opened date X/2012 this information is not accurate and should be removed. There are open collections that were removed and recently added and that is against the law, was not notified. Those accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. I do not have any signed contracts with these companies. Therefore, unless you can provide me documentation from these companies with my signature they need to be removed as they once were before. XXXX XXXX is a closed account as well that was deleted about 1.5 yrs ago and has resurfaced. I have filed a police report on the inquiries that I did not authorize. I have tried to contact bureau but they keep telling me contact company. The company tells me to contact the bureau. I have not applied for or authorized use of my report in the last 2.5 years. Inquiries listed below. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, REGIONAL XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Some of these companies have more than 1 inquiry. Someone had accessed my file why would I apply 5 times with same company in less than 6 months? I have disputed this several times with no results from them. Please help, I didnt file a bankruptcy to have the same things on credit or to be a victim of identity theft and be held responsible. My next step will be filing a lawsuit. Thank you.
On XXXX XXXX, XXXX, my wallet was stolen containing credit cards and my Macys American Express card. I notified all my card carriers including Macys Customer Service of the stolen card on XXXX XXXX after my purse was stolen. XX/XX/XXXX, statement with fraudulent charges of {$410.00} and responded with a letter dated XXXX XXXX, XXXX disputing the charges. Since I sent the letter of dispute, the fraudulent charges have not been removed from my account and I have no explanation of when they will be reversed. Numerous times I have called Customer Service to ask for an explanation and been transferred by a customer service agent many times to various phone numbers seeking someone to explain the situation to me. The phone numbers I have been given are XXXX, XXXX, XXXX, XXXX, XXXX. Please assist me in removing these fraudulent charges from my account. Thank you.
I have disputed with the credit bureaus about an account I seen on my credit report, they came back saying the account was verified. I asked how was it verified they claimed I had to call the collection agency. so I called XXXX XXXX/ RESURGENT and asked how did they claim the account was verified they said just by my social. the first person I spoke with as named XXXX, who on a recorded line stated they only verified using my social security number no other identifying information was given from the original creditor. if I wanted more information I would have to write them for it. why would I need to write them for more information when she already told me they just had a social to verify it. where is the contract signed, dated with proof of my identity that was used for the account in mention? there was non. so iasked to speak to a supervisor which her name is XXXX, she was no help at all. she said we can dispute it again I asked how would you verify the account is mine? she said by social. so no one has physical proof of this account? nothing more than a social security number? that's how people get over on things because no one asks for photo ids along with social security or other identifying documents, so much identity theft in the world.
I did a payday loan, and was told after the loan was in my account I would get charges interest rates everyday the loan accrued interest, which sounds odd to me. I was laid off and called the company my account was placed on hold until I went back to work and now I am getting threatening emails, even with the account being noted it is on hold. I received this tonight, the loan was XXXX and I made XXXX payments of XXXX on the loanHello XXXX , This is an urgent notice. We have not received a payment on your past due account of {$520.00}. We understand that complications arise and we are willing to negotiate a settlement for your overdue balance. We have reviewed your account and are willing to settle the balance of {$470.00}. If you do not respond to this email immediately then we will move your account into further collection. Contact our Retention Department now at XXXX to avoid your account going into further collections. 

LAST CHANCE OFFER ENDS XXXX XXXX, 2015. 

For Credit/Debit Cards : Call us at XXXX to process a payment over the phone.
I graduated in XXXX, and have been making payments on my loans since graduation. I worked for a nonprofit organization from XXXX and despite repeatedly asking Navient about loan forgiveness options, was told I was not a candidate. Now if I sign up for a program, I will be starting all over again. Not to mention, I have been unemployed for two months and called and was placed on forebearance but was told my loan payments will be the same when I return to work. I will be paying onthese loans forever!