WillisBack/dataset-financial-user-claim huggingface dataset:
Citi Mortgage is our mortgage co. In XXXX we did a re-fi with Citi mortgage and on taxes Citi did a Debt Discharge of {$13000.00} in each of our names. For the taxes of years XXXX and XXXX Citi Mortgage continues to do the same in amount and to each of us separately in our each name. Continuing the Debt Discharge was NOT part of the re-fi and yet is being done.
I sent the below letter to Bank of America for a resolution, which they denied. I believe their actions are unjust. 

I am writing you with a very heavy heart. I am extremely dishearten and dissatisfied with the level of insensitivity and lack of understanding and communications received from Bank of America 's representatives regarding my closed account, now " charged off ''. I am requesting the charge off be reversed due to miscommunications and technicality. In XX/XX/XXXX, I spoke with a representative, who I notified that I was having hardship ( became unemployed ). She notified me that my account would be charged off on XX/XX/XXXX. Being XX/XX/XXXX was on a Saturday ( weekend ). I paid the bill on Monday, XX/XX/XXXX, which was paid the next business day, XX/XX/XXXX. I had no idea my account would be charged off on a weekend and neither was I explained this information in detailed. 

Additional information : I also was told that I had a cease and desist order on my account, which too was puzzling. I never requested a cease and desist and was never told such an order would be put on my account when requesting not to contacted via telephone. Today, XX/XX/XXXX, the represented mentioned that the cease and desist stopped all phone calls and correspondence, which I would have never agreed to. Requesting not to receive phone calls is totally different then not receiving mail. I never knew there was an issue until now, because I was still receiving my monthly statements. Therefore, I did n't get any reminder notice for the upcoming charge off or notice of the actual charge off or any notice pertaining to this cease and desist order that I did not consent to. 

I have had several hardships during the course of this account from being unemployment several times, XXXX, newborn ( a bundle of joy, nevertheless a financial adversity ), accepting a XXXX " only '' XXXX position, which was insufficient, thus having to move in with my mother, then recently in XX/XX/XXXX, becoming unemployed again. Through it all, I did the best I could. Now, that I have almost completed my payment in full, it is quite unfair and disappointing to receive a charge-off on my account for a difference of XXXX days, of which XXXX were weekend days. Furthermore, I never receive any notification pertaining to this charge-off, due to the above mentioned unauthorized communications disconnect. I thought Bank of America was in the business of helping people and that Bank of America would much rather see me pay my bill and build up my credit vs. damage my credit with a derogatory " charge-off ''. 

I am asking that you have compassion, thereby reversing the charge-off on the aforementioned account, in so doing allowing me to pay my outstanding balance in the amount of {$1200.00} without such a steep penalty. I really like Bank of America and hope to be a customer again, when my financial situation changes for the better. 

Thank you kindly for your consideration, time and immediate attention to this matter. Providing you require additional information, please feel free to contact me.
Equifax did not take the necessary steps to protect my PI and, when my information was breached, took longer than an acceptable amount of time to disclose it. In addition, they are providing credit monitoring services for only ONE year, while automatically enrolling people who sign up in their paid monitoring service after the free term is up. This seems as if they are trying to take advantage of people who they put in a terrible spot already.
I have been denied credit within the past 2 weeks because lenders have been unable to pull my Equifax credit report. I attempted several times within the past week to obtain my own reports through the Equifax site but when I do, I receive an error message. A hold is placed o my credit card for each attempt but no credit report is produced. By not being able accessing my report, I am unable to make important financial changes. Customer service has not been responsive and has been unable to help me. I have no active credit freezes or alerts on my file that should prevent me or a lender from obtaining my report
Charges made on XX/XX/2018 in the amounts of {$1400.00} and {$1400.00} initiated by XXXX. Transactions were marked as fraud as XX/XX/2018 followed by a call to Capital One to request a new card and discuss further actions. Charges were pending until XX/XX/2018 when they were posted to account. Another call was made to Capital One and was told charges should be taken off the account in 72 hours. The amount of credit will be frozen on credit line for up to 90 days as Capital One  investigates. 
XXXX is not a company I had heard of prior to this experience.
SYNCB/CCARE1 ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : C/O XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/CCARE1 or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/CCARE1 or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
On XX/XX/XXXX, my XXXX XXXX XXXX account was paid in full over {$4100.00}. It was never reported correctly to the three credit bureaus. I have filed disputes with all 3. On XX/XX/XXXX, the account was updated but with the wrong information. XXXX reported 180+ days late payment history and the past due amount was {$2900.00} still due. The account can not be 180+ days late in XX/XX/XXXX if the account was paid in full XX/XX/XXXX. I am having a very difficult time getting the credit bureaus to update account and remove inaccurate report of late payment and past due amount reported in XX/XX/XXXX for an account paid in full in XX/XX/XXXX. Neither the account balance nor the late payment or past due amount reported is accurate.
I found out I had a judgement/lien placed on my home by XXXX, XXXX, XXXX XXXX   XXXX, XXXX. back in XX/XX/XXXX. The only reason I found out was through a Title search company. That company is acting on the behalf of a person who may be interested in the property ( which has no value ) That title company without my knowledge contacted the XXXX, XXXX, XXXX XXXX XXXX, XXXX. to obtain a payoff amount. I later found out the details of this debt steaming from a company called " XXXX XXXX XXXX '' XXXX XXXX XXXX was purchased by Paypal Inc and assumed the debt. The original debt was {$3000.00}, evidently XXXX, XXXX, XXXX XXXX XXXX, XXXX. filed a judgement against me and sent a court appearance to my home. I was not aware of this court appearance my son who is XXXX and since deceased may have signed for it. I am in poor health and rarely left my room. Since I did not appear the judgement was found in favor of XXXX, XXXX, XXXX XXXX   XXXX, XXXX. back in XX/XX/XXXX. Since then this judgement has accumulated interest and now has a balance of over six thousand dollars. I contacted them the first time in XX/XX/XXXX and explained the entire situation, they only offered that I make an offer to settle. Even though I did not have knowledge of the bill I asked to pay the original XXXX XXXX dollars. They notified me the next day that their client Paypal counter offered for {$4500.00} and that agreement was good until XX/XX/XXXX. I however got sick and was hospitalized and never was able to make the agreement. I called back in XXXX and explained the situation again, this time a representative of XXXX, XXXX, XXXX XXXX XXXX, XXXX. informed me that I had other options being a victim of identity theft. I filed the affidavit on the federal government website and sent XXXX, XXXX, XXXX XXXX XXXX, XXXX. the documents on XX/XX/XXXX. They said they would review this information with their client, I have made several phone calls and emails since and have received no further information. I am XXXX XXXX years old and on a fixed income and have health issues, I am attempting to finalize this situation but can not seem to get any information. When I made the first agreement back in XXXX they had an answer in ONE day to collect money. It is not XX/XX/XXXX and I do not understand why this is taking this amount of time.
I opened a CitiGold checking account in XXXX 2015 in response to an offer code XXXX. The offer was for XXXX ThankYou points for Citigold checking after making 1 or more bill payments for two consecutive months within 60-days of account opening. I fulfilled those requirements promptly and called the Citibank multiple times to confirm that the offer has been applied to my checking account. They told me to wait 3 months for the XXXX bonus points to show up in my account. While waiting for these points I also transferred {$50000.00} to IRA to prevent Citibank from charging me a monthly {$30.00} maintenance fee along with a Citi Prestige credit card ( {$450.00} annual fee ) to use with the thank you points. 
After I have done all this expensive procedure, last week Citibank emailed me that I am no longer qualified to receive the XXXX thank you points because I was not targeted to receive such offer. 
I feel that Citibank is doing fraudulent business by offering attractive bonuses to open a checking account and charging all unnecessary fees to force customers to transfer their IRA funds to prevent those fees. I spoke to the reps every month for the last 6 months and they said the offer is linked to my account. 
I will be closing the Citi Gold account and transfer my IRA funds back to the retirement bank, but wanted to notify consumer finance about the details of my issue.
I graduated XX/XX/XXXX with about XXXX in student loan debt. They were first serviced by XXXX XXXX and I was making intermittent payments at the time because my income just did n't allow me to make the over {$1000.00} a month payment. I went through several forebearances and deferements and then Navient became the servicer. Since then I have tried to get them consolidated or on a lower monthly payment but 2 1/2 years later, I still have payments that I ca n't make and now my debt has increased to over {$77000.00}. What little bit of payments I have been able to make have made no impact and I am still trying to get my loans on a reduced payment plan especially since I had been layed off on XX/XX/XXXX and just went back to work on XX/XX/XXXX. Each time I call Navient they say I was told the wrong steps or the paperwork is n't in the system for the consolidation or the lower payment plan. I never get the same person and I never get the same information. They keep me going in circles so I never know what I should be doing to get things going in the right direction.
We are military. This has gone on through one move. 
XX/XX/XXXX bought furniture paid in full while living in XXXX, XXXX. 
XX/XX/XXXX furniture delivered in XXXX, XXXX XX/XX/XXXX notified merchant furniture was damaged - XXXX, XXXX XX/XX/XXXX independent furniture repair co. ( XXXX ) hired by merchant evaluate the furniture and deemed it damaged not delivered as agreed- XXXX , XXXX XX/XX/XXXX second independent furniture repair co. ( XXXX ) hired by merchant evaluated the furniture and deemed it damaged not delivered as agreed- XXXX, XXXX XX/XX/XXXX - Merchant offered to re-order and deliver. In good faith we accepted re-order and delivery XX/XX/XXXX - New delivery damaged once again by delivery crew, so we refused delivery. Did not pick up old furniture because crew did not have " orders '' to do so. - XXXX, XXXX XXXX XX/XX/XXXX - Merchant agrees to have old furniture picked up and apologizes for confusion - XXXX, XXXX XXXX XX/XX/XXXX notified merchant in writing that we wanted a refund, nothing else. Merchant said they would not give us refund, we would have to take old broken furniture and pay for delivery since we had refused it. - XXXX, XXXX XXXX XX/XX/XXXX Merchant called to notify us that furniture was back in their possession. 
XX/XX/XXXX sent another email asking for refund and pick up of their broken furniture XX/XX/XXXX filed dispute with USAA credit card, that per XXXX the goods were not delivered as agreed upon. 
XX/XX/XXXX USAA denied dispute stating that the merchant is willing to work with us ( this is not true ) XX/XX/XXXX elevated dispute with USAA. 
XX/XX/XXXX USAA request we contract a furniture expert to evaluate furniture in order to re-open and address our credit card dispute XX/XX/XXXX for {$150.00} XXXX rep came to our home to examine furniture and give us a written report confirming that furniture was not delivered as agreed to and that it is indeed broken XX/XX/XXXX USAA once again denied our dispute because the merchant is willing to work with us. We explained again that what the merchant wants us to pay THEM {$770.00} to pick up their damaged furniture and they will refund the rest of the money. They NEVER put this in writing, it is all verbal.
I contacted Transunion to dispute credit inquiries on my credit report due to their inquiry issues and was told that it did not affect me when in fact it did as i have several inquiries that i did not initiate. they were unwilling to help
I call the 800 number on the collection notice to attempt to make a payment, the number for not work. I say ok I will pay it online I attempt theyre website to make a payment online, and their server is down. I have no way to make a payment on the account but they continue to charge interest on the past due amount and reporting negative to credit beuro. How is it legal to charge interest on an account that is no accessible to make a payment on.
I was in the beginning stages of applying for a HELOC ( Home equity line of credit ). I was told over the phone on a recorded line by XXXX XXXX at Huntington National Bank ( XXXX # XXXX ) that my credit score would only be hard pulled once. The phone ( XXXX ) conversation took place approximately XXXX XXXX on XXXX/XXXX/XXXX. 
The next day, when looking at my credit report ( XXXX/XXXX/XXXX ) I 'm seeing there were two hard pulls by Hunting National Bank. Fist one on XXXX/XXXX/XXXX, then another on XXXX/XXXX/XXXX. I did not authorize the one on XXXX/XXXX/XXXX nor did I expect to see two hard inquiries pulled back to back within two days. 

I 've sent numerous emails out to XXXX XXXX concerning this matter, but no responses or reply 's.
My Chase Private Student loan fell delinquent in 2011 due to unemployment. I called numerous times to resolve the delinquency and apply for forbearance, but was told there was nothing that could be done. A few months later, it fell into collections and was charged off. I have called many times to see if payment arrangements can be made, but they are demanding the balance in full. I am in the process of buying a home, and can not pay the balance in full, but would like to begin paying on this loan. I need assistance dealing with the collector.
RE : LOANME. These predatory loans should be illegal. I borrowed {$10000.00} in XXXX XXXX making payments {$840.00} per month. In XXXX, XXXX my outstanding balance was XXXX. I paid over XXXX in interest and fees to borrow XXXX for 8 months? How is this legal in California? When I received a monthly statement, there was no information regarding my balance and how much of my payments are going to principal. Apparently XXXX of my payments went towards my principal and interest acccrued daily. This is a rip off and preys on people who are in a challenging time.
Hi, I had opened a case and your emails were going to a junk folder. I absolutely still need your guidance and support. 

Experian has been unwilling to remove inaccurate reporting based on XXXX BK I filed in 2007. The courts changed the type of BK so it shows as XXXX when in fact it is only XXXX. I have provided them with all the proper documentation. 

Additionally, I continued to improve my cursory usage and have flawless payments yet they continue to slaughter my score lowering XXXX points lower at least once a month. 

PLEASE HELP. Best # XXXX. Best email XXXXXXXXXXXX
I am a victim of EquiFax cybersecurity incident., and have tried at least on 40 occasions to sign up for the Trusted ID service they are providing to all the victims. and have not been successful to complete the process. I have gotten as Far as establishing a signing Id and password, but can not complete the sign up process, i have created case number ( XXXX ) which they have closed. I have emailed them and called all the phone numbers they provided. They answer is always the same, The website is down, My computer is not working, Hang up, transfer back to the Q..and so on. Equifax have wasted lot my time by having me wait on line for 10-40 minutes each time to just tell me : callback, or just hang up, put back on the Q or the website is down of all the times I have tried to contact them, i was successful once when I to talked to some one who helped me establish an ID and password for the service. But can not pass that step at all. 
I wish that the FEDS would just shut then down, they should not be in business if they can securely handle consumer 's information I can be contacted by phone ( XXXX ) XXXX, or Email : XXXXXXXXXXXX
I had two cards, one with XXXX XXXX, the other with XXXX both owned by Synchrony. 

I would receive late notices with fees added but no original bill. 

I would pay and the same happened again. 

I now paid off both cards with no real intention on using them again I received notice XXXX that one of the cards is being cancelled due to late payments ( kind of convenient now that there is no balance ) and that my credit score was affected. 

Just hope Synchrony is not allowed to go on doing this to people and making millions of dollars doing it.
XXXX XXXX XXXX of the company, XXXX XXXX XXXX XXXX, XXXX called me in an attempt to collect on a very old debt. He told me I opened a Discover card acct. XX/XX/XXXX and I owed over {$20000.00}, but that they were willing to accept a settlement of {$1500.00} and then attempted to get a card number from me. He could not verify where I was at XX/XX/XXXX, which made me suspicious. I also asked him if he could send a letter of assurance to my email detailing that the {$1500.00} would indeed completely settle this debt and he declined, saying he would send a receipt after receiving the funds. I then asked for an XXXX to see what I could learn and possibly verify any of these details and he agreed, giving me his name and number. I looked at the XXXX where I saw a complaint where someone had given a card number to settle a debt and this XXXX was continuing to hit his card. I read more at various sites and was assured that this XXXX XXXX was indeed scammers. Way less than an hour had passed when I called them back and informed him I would not give him anything and to remove my number from his calling list. He then proceeded to threaten me with some kind of court action so I hung up. They do have my phone number, social security number and current address and it does make me nervous. I had already decided that I would not give these people any card or bank information, so in that, I feel relatively safe. It is my hope that they will not continue to pursue me in attempts to collect on what I had learned is a time-barred debt. I actually had my purse stolen back in the XX/XX/XXXX 's and was XXXX over the next years and was unaware of what was happening until now.
Money Key has contacted my family and employer. This is completely inappropriate and I have already told them in writing that they are not authorized to contact anybody other than myself about my business with them.
sent money to a security company money, through western union they say it was received or was picked up but not to the person sent to did n't receive it the only solution they could come up with was western union got hacked and stole it
On XXXX/XXXX/XXXX I checked my report to see that this company has destroyed my credit report for a debt that I am not liable for. I hold " NO CONTRACT '' for the alleged debt that this company is attempting to collect.
Diversified Adjustment Service sent a letter to me dated XX/XX/2018 claiming I owed a cell phone bill from XXXX. I promptly contacted " DAS '' and told them I did not know what they are talking about. The debt was added to my credit report without my knowledge anyway. I then sent two certified and Notarized letters to " DAS ''. One was a section 609 letter the other was a section 605 letter asking to verify the debt. Their company could not verify the debt so it was removed before 30 days had lapsed. However, XX/XX/XXXX of this month " DAS '' added the debt again without any notices no correspondence what so ever. I contacted " DAS '' directly to let the company know that they violated the FCRA by not contacting me and not verifying the debt. I spoke to two representatives and verify myself and they both said I owed the debt they wouldn't listen to anything I had to say they both were very rude one going by the name XXXX. I then contacted XXXX to file a complaint with the company the company claimed they didn't know who I was. I have all correspondence that was sent to " DAS ''.
Sentry credit inc has NOT stopped harassing phone calls to me even calling at XXXX and at night at XXXX threatening and using abusive language and this is on the XXXX that had unauthorized charges and XXXX has closed off and cleared all fees. please help to stop sentry this must be illegal and every unethical thing to do
Im asking for the company to remove the late payments. No one contacted me letting me know that I had to put the loans in deferment had I known I would have kept up with it now
" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''