WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I lost my job, I immediately call XXXX XXXX  to notify them I lost my job and was unable to make any payments at that time. Mind you every call is recorded for quality assurance - which I doubt. I've never missed a payment with them since consolidating my loans years ago. Since calling to tell them I have not been helped once. I've received calls periodically informing me I'm late on my payments, AGAIN with those same calls they make to me I've told them I lost my job in XX/XX/XXXX and have discussed this with several of their callers. One caller informed me to get online and fill out the deferment portion and submit it. I did that in XX/XX/XXXX/XX/XX/XXXX. I kept getting phone calls since and AGAIN explained my situation to them and yet nobody was knowledgeable to help me or would till the week of XX/XX/XXXX when XXXX ( employee id - XXXX ) called and AGAIN I explained to her my situation and her response was she couldn't believe nobody has helped me yet. She verbally told me she would be sending the deferment papers by mail this time along with a quality complaint form. I received a quality complaint form and immediately filled it out and mailed it back in. I also saved a copy for myself. I have not yet to receive the deferment papers in the mail yet. HOWEVER I have received a threatening letter from XXXX  XXXX  detailing me of my delinquency and is in danger of default, that was marked XX/XX/XXXX. Their claiming I'm {$1100.00} past due, and {$950.00} past due. I wouldn't be past due if they would of done their part back in XX/XX/XXXXwhen I phoned them immediately and explained my situation. I received a call from XXXX ( employ id XXXX ) the week of XX/XX/XXXX asking me about if I can pay the full amount. AGAIN I explained to him what I have been explaining to every other caller since XX/XX/XXXX, and just the week before to XXXX who told me she was not only sending deferment papers by mail to me but she's noting my account. XXXX was unaware of any of that. On their delinquency letter they have informed me that all credit bureaus are aware of my pass due. Again, no deferment papers have been received to my address XXXX XXXX XXXX, XXXX, MI XXXX. BUT they keep sending me bills, threats, and delinquency notices to that same address.
My credit is report is showing an open account under the name of Midland and is falsely and illegally reporting itself as a credit account. Midland is a collection agency and can not be reporting as a factoring company and report in type as open. I have filed disputes with all XXXX Credit Reporting Agencies and all claim to have verified the account as belonging to me. I have sent Certified Letter to Midland requesting they provide me with all documents they provided to verify this debt and have not responded. I do not recall this account nor have I ever opened an account with Midland.
I received an enclosed statement from North Shore Agency with the amount of {$72.00} for a XXXX " transaction '' to my work address. I have not shipped nor sent packages to my work address, or have even sent a package in more than a year. Additionally, the address and my name was incomplete, and was not received until more than a month later. The invoice is incomplete and does not itemize " transactions '' nor is there a phone number in which I can reach NORTH SHORE AGENCY.
TO WHOM IT MAY CONCERN, I RECEIVED A LETTER IN XX/XX/XXXX FROM THIS COMPANY STATING THAT FOR A REDUCED SUM OF {$310.00} THEY WOULD AGREE TO ACCEPT THIS AMOUNT AS PAYMENT IN FULL FOR THE ACCOUNT BALANCE FOR A COLLECTION ACCOUNT AMOUNT FOR XXXX XXXX XXXX. I CALLED THE COMPANY IN XXXX AND SPOKE WITH A REPRESENTATIVE AND ADVISED HIM THAT I WOULD LIKE TO GO AHEAD AND ACCEPT THE OFFER AS PRESENTED, TO RESOLVE THE COMPLETE ACCOUNT BALANCE FOR THE SUM OF {$310.00} AS AGREED UPON TO SETTLE THE DEBT. THE CUSTOMER SERVICE REPRESENTATIVE COMPLETED A RECORDING OF THE TRANSACTION AND WE AGREED TO PAYMENT TERMS OF THE {$310.00} FROM MY DEBIT CARD.THE PAYMENT WAS PAID DIRECT ON THE DEBIT CARD AND PAYMENT PROCESSED TO THIS COMPANY SUCCESSFULLY. THE COMPANY NEVER COMPLETED THE FINAL TRANSACTION TO DELETE FROM MY CREDIT REPORT AS AGREED ON RECORDING FOR THE SETTLEMENT AMOUNT. WHEN I CONTACTED THIS COMPANY TO FIND OUT WHY THE THREE MAJOR CREDIT BUREAUS ARE REPORTING FROM THEIR COMPANY INACCURATE INFORMATION, BECAUSE THE AGREEMENT WAS AS LONG AS I PAID THE SETTLEMENT AMOUNT THE COMPANY WOULD REMOVE IT FROM MY CREDIT REPORT. I WAS TOLD THEY RECEIVED A LETTER PRESUMABLY FROM ME ADVISING THAT I WAS NOT GOING TO PAY THE DEBT AND THEREFORE THEY CANCELLED THE FINAL PAYMENT SCHEDULED TO COMPLETE ONXX/XX/XXXX. I PERSONALLY NEVER SENT A LETTER TO THIS COMPANY ADVISING THEM THAT I WOULD NOT HONOR THE PAYMENT AS SCHEDULED TO COMPLETE ONXX/XX/XXXX. I NEVER RECEIVED A PHONE CALL OR VOICE MAIL MESSAGE REQUESTING I CONTACT THEM TO DISCUSS THE LETTER THEY RECEIVED FROM SOMEONE AND TO CONFIRM THAT I WAS REFUSING, AFTER INTIALLY AGREEING BY PHONE RECORDING IN XX/XX/XXXX MAKING THE FULL SETTLEMENT AMOUNT AS AGREEED. THIS ERROR BY THIS COMPANY IN NOT PROCESSING THE DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT WHICH THEREBY WOULD HAVE CLEARED THE DEBT I CAN NOT GET A FEDERAL JOB TO SUPPORT MY FAMILY AND TO PURCHASE A HOME. THE Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. THEY CONTINUED TO REPORT THE DEBT TO THE BREAUS ALTHOUGH THEY STATED THEY WOULD REMOVE THE PAID ACCOUNT. I HAVE ASKED FOR A COPY OF THIS LETTER THEY RECEIVED FROM SOMEONE STATING THEY WERE DISPUTING THE DEBT. THE COMPANY FAILED WITH IN THIRTY DAYS TO PROVIDE ME WITH VERIFICATION OF THE DEBT AND TO ADVISE THEY WERE CANCELLING THE AGREEMENT IN PLACE TO RESOLVE THE DEBT UNTIL THE VERIFCATION PROCESS WAS COMPLETE. IF THEY BELIEVED A LETTER WAS FROM ME, THEY STILL SHOULD HAVE REACHED OUT TO ME AFTER TAKING MY PAYMENT AND AGREEING TO REMOVE THE ACCOUNT AFTER THE PAYMENT CLEARED AFTER REIVING A LETTER THEY CLAIM I SENT. I ASKED THE REP TO SEND ME A COPY OF THE LETTER ; I ALSO ASKED IF THE LETTER THEY RECEIVED HAD MY SIGNATURE HE DECLINED TO ANSWER. I WAS TOLD BY THE REP HE WOULD ONLY READ THE LETTER TO ME AND REFUSED TO PROVIDE ME WITH A COPY OF THE LETTER.
I had a mortgage on a Coop apartment with Astoria Bank and as a result Astoria Bank was holding the Proprietary Lease and Stock Certificate. Upon selling the Coop apartment, Astoria Bank informed us that they had lost the Proprietary Lease and Stock Certificate and sent us an " Affadavit of Lost Assignment Assumption and Consent to Transfer of Proprietary Lease. '' As a result of Astoria Bank losing the Proprietary Lease and Stock Certificate, I had to obtain a new Proprietary Lease and Stock Certificate which cost us {$800.00}. As explained to us by Astoria Bank 's representative at the closing and in Astoria Bank 's own affidavit Astoria Bank is obligated to reimburse us the {$800.00}, which it still has n't done despite my best efforts through constant letters, faxes, emails, and telephone calls. In Astoria Bank 's own affidavit they state " the Bank was the last holder '' and " the Bank shall indemnify and hold harmless XXXX. '' This issue has been outstanding since XXXX of XXXX and today is XXXX XXXX, XXXX, so this simple matter has been unresolved by Astoria Bank for over 10 months. Astoria Bank has been unresponsive to my frequent contact over the past 10 months and they have n't been able to put me in contact with anyone who can help resolve the matter. I 've requested to be put in contact with Astoria Bank 's research department that is researching the matter, their Compliance department and their Ethics hotline but my calls never make it past Customer Service and they tell me that I ca n't reach any of those departments directly to resolve the matter. From my perspective the issue is easy and straight-forward. Astoria Bank was holding documents that they were responsible for and lost them and now they should reimburse for the replacement of those documents. This is all spelled out in Astoria Bank 's own " Affadavit of Lost Assignment Assumption and Consent to Transfer of Proprietary Lease, '' which was issued and signed by Astoria Bank. In addition to sending Astoria Bank their own affidavit stating the facts, I also sent Astoria Bank the paid invoice that I received for the new documents, as well as a copy of the check used for payment. I do not understand why Astoria Bank has continued to drag its feet in resolving the simple matter for so long and why Astoria Bank makes it so challenging to get help on the matter. I suspect that they 're hoping that I grow weary and give up on the matter so that they avoid the reimbursement and steal my {$800.00}. This is not right and it is unethical and Astoria Bank should be reviewed and punished for how it handles this and similar complaints.
On XX/XX/XXXX, my checking account was compromised. Someone other then me deposited a check in the amount of {$6800.00}, through a teller with a fake Florida identification and withdrew {$3000.00} on the very same day. 

Citibank allowed for the check to be processed without properly verifying the identity of the person, Citibank already made the admission the the suspect used a fake identification yet they processed the fraudulent deposit with careless disregard. The check was from a payroll company. Citibank is fully aware that i never worked for the company because i get direct deposit from employer XXXX XXXX and not the company reflecting the check. Upon reviewing the fraudulent check and false identification, Citibank should have called law enforcement instead they handed over {$3000.00} to the suspect. 

It was also out of character that Citibank released {$3000.00} to the suspect, again without properly verifying the account. 

On XX/XX/XXXX, XXXX XXXX made a payroll deposit to my account in the amount of {$1900.00}, on which they kept. According to CItibank they are going to keep my funds alleging that it was my fault for not keeping my personal information safely???? 

It is more than obvious that Citibank made a huge mistake when handling a fraudulent transaction and worse to have kept my payroll funds on which i nearly got evicted because i could not pay my creditors. 

On XX/XX/XXXX, correspondence was sent to Citibank to no avail. I included copies of letters from IRS where it reflects i was a victim of identity theft in the past. Also a copy of police report reflecting that my driver 's license and social security card were stolen when visiting my mothers house located at XXXX XXXX XXXX XXXX XXXX. XXXX FL XXXX. See attached copy of IRS letter and police report. Yet Citibank refused to release my payroll funds causing me a great financial hardship when i live from pay-check to paycheck like many in our Country.
The below listed " LATE PAYMENTS '' that are being reported within my credit report is inaccurate account information. I have never been late with my payments on these accounts. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of XXXX, XXXX, XXXX the credit reporting agency or the original creditor. Whichever it is, the fact remains ... these late payments are incorrect payment history information. 

( Late Payments Here ) NISSAN MOTOR ACCEPTANCE ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX )
After numerous requests and disputes to the XXXX major credit reporting bureaus, Synchrony Bank/Care Credit refuses to provide me with an application bearing my signature requesting an extension of credit from them. Synchrony Bank/Care Credit can not and will not verify that I myself opened and used this account. I request that if my person can not be verified and validated, the charge card account and its reporting status has to be removed from all XXXX major credit reporting agencies : XXXX, XXXX, and XXXX.
I had a Citibank  XXXX   XXXX  credit card. After a year, the annual fee was charged to my account in the amount of {$95.00}. I call ed Citibank to close the account and was told I could change it to the Double Cash card which did not have an annual fee. I was told the annual fee would be credited back and the   XXXX    account would be closed. So I agreed and Citibank changed my card. However, they never credited me the {$95.00} annual fee so now my card has a past due amount of {$95.00} which was promised to be refunded since the account the annual fee was billed to has been closed. I have attempted more than 5 times to contact Citibank and each time their customer representatives do not understand the issue and have been completely unwilling  to listen to attempt to correct their issue.
Pnc bank is double charging for over draft fees. Once when it post and then again when they return the items
XXXX XXXX is on my two other credit reports as charge off which is Transunion and a XXXX. The only report that is correct is XXXX. This was my daughter cat and she was on the car as co-signer. I never had the car and have inform the other two companys XXXX and XXXX. They did a charge off because of what I said on the phone they had me and my daughter upside down in this loan. I never knew that my daughter was late until she told me on phone. When I talk with them they wasnt willing to do anything so my daughter told them to come get the car and car was sold with no money being old because the extra money that they had on the loan would have had us paying a lot more than the car was worth. Im so tied of dealing with fraud and other companies trying to take advantage. I would like it removed or state XXXX balance on XXXX and Transunion report because it hurting me and this all happen due to someone fraudulent information on my report
Nationstar took over my mortgage from  XXXX   XXXX   XXXX   XXXX    . I have copies of every check made out to Nationstar and cashed by  Nationstar  showing paid on time, but they are reporting m e 30,  sometimes 60 days past due. I get harassing calls  3-5  times a week. I have repeatably spoken with supervisors ( all documented ) and they have not fixed the problem. They have caused me to pay higher interest rates and I can not qualify for a new home loan because of their fraudulent reporting to the credit bureaus.
I am a XXXX representing my client in her efforts to obtain a loan modification from Wells Fargo. Throughout the entire process, which still has not been resolved, Wells Fargo has failed to take proper action, has imposed unrequested and secretive " cease and desist '' orders which prevented my client, her ex-husband, and her housing counselors from communicating with Wells Fargo without any knowledge or permission, Wells Fargo has irrationally and wrongfully and repeatedly refused to accept legitimate documents from my client to establish evidence that my client was conveyed titled to the subject property and that she obtained a valid divorce ; when I have escalated these problems to higher persons, I have been assured that the problems have been resolved and that I could call the supervisor directly if a problem occurred, only to discover that the problems were not resolved and that the supervisor deliberately failed to return my phone messages and refused to call me until I sent a written email. Today, when the supervisor called me and refused to address the problems I raised, he refused to permit me to speak with his supervisor and he refused to give me the name of his supervisor, telling me that I would not get any different result from a supervisor. This treatment of me and my client has persisted for more than six months. 
FINALLY, reviewing my files of this case, I just realized that Fannie Mae never responded to my XXXX XX/XX/2014 Complaint which I submitted in regard to this matter.
I found the following inquiries that were not authorized by me that are currently reflecting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX  ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XX/XX/XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX I have previously submitted documentation to TransUnion verifying that I am a victim of identity theft along with the police report number from the report I filed with the XXXX Police Department.
I requested a credit report on XXXX/XXXX/15 and found that this company, XXXX XXXX XXXX had placed a negative account on my credit report. I contacted them and requested a copy of any contract, policy or anything that shows I have ever given them permission to establish an account on my behalf. I also sent certified letters to them requesting a copy of any documents with my original signature on them as proof that this is my debt. They have refused to provide me with this information and have not responded to my inquiries. I have disputed the account with the credit reporting agency, XXXX and the company continues to report it. I have filed a police report and will began this process to have them remove themselves from my credit report which is now causing me harm when I apply for credit. XXXX and XXXX are not allowing this company to report this account because they have not validated that it belongs to me.
Well it started when I asked XXXX to look into my XXXX XXXX account, which was closed and had erroneous information on it. It said that the account had been sold to another lender. Well they reaged the account that has been closed since 2013, and Equifax has it not showing a closing date. I try to fix one thing and they try to get me on another.i managed by to take photos of the old XXXX account before they doctored the results. Equifax has it wrong to.
I deposited XXXX into my suntrust checking account on Thursday XXXX. I never received any communication on when the funds would be available. Moreover, SUNTRUST violated Reg CC policy where I should have received atleast {$200.00} next business day and upto {$5000.00} by 2nd business day.
I need your assistance in protecting me, and my clients from harmful conduct that conflicts with me and my clients basic expectations, created by Loan Officer XXXX XXXX XXXX XXXXXXXXXXXX NMLS : XXXX Phone : XXXX, as it relates to how my clients and I have been treated. Please help me/us to ensure that bad actors such as him and City Worth can not use deceit and fraud to drag the rest of  the market down to their level? 

Who Am I? : I am a Realtor at a real estate Firm which represents both Buyer and Seller in a transaction in which the aforementioned loan officer provides services to the Buyers. I am the Listing Agent, representing the seller. 

What Did He Do Wrong : 1. On XXXX/XXXX/XXXX, XXXX XXXX, willfully and intentionally deceived me and my sellers regarding a {$150.00} VA Appraiser Re-Inspection Fee, a Buyer 's Expense, by stating that the Buyer 's  loan would not be underwritten/approved to close on time, XXXX/XXXX/XXXX, per the Sales Contract, if the seller does not pay the re-inspection fee. The Sellers regretfully paid the {$150.00} fee, after I gave my sellers XXXX 's number, and XXXX spoke to them. XXXX disclosed to them at this time that the loan was moving along per the Sales Contract, and that we would close the loan on time.

2. On XXXX/XXXX/XXXX, I receive a phone call from XXXX XXXX requesting that my Sellers sign an Addendum to Sales Contract requesting that his company 's underwriting department provide conditional loan approval by XXXX/XXXX/XXXX. This is when I and my seller both new that we had been deceived by this bad actor.The seller refused to sign this Addendum stating a lack of trust and confidence in XXXX and his company 's ability to close this loan due to XXXX 's previous unethical and fraudulent communications. 

3. On XXXX/XXXX/XXXX, I and receive an email from XXXX XXXX, via the Realtor representing the Buyers, showing full proof that the loan had been through XXXX XXXX XXXX underwriting department, and had been conditionally approved, which I forwarded to my sellers. 

4. On XXXX/XXXX/XXXX, I received a text message from my Buyers who I introduced to XXXX XXXX after XXXX XXXX reached out to me shortly after the aforementioned Sales Contract was executed. Approximately XXXX today, I receive a text from my Buyer 's wife stating : ( XXXX XXXX is trying to get my husband another Realtor, and that her husband was told that things were going rough between XXXX and I. ) This is a form of loan fraud, general fraud, and deception to say the least... and this type of bad actor should not be allowed to go un-checked in this industry.
The statute of limitation in NY State for reporting Derogatory information is 6 years as per the NY State Constitution. TRANSUNION has refused to remove this particular out of date information described below. The XXXX XXXX account shown below XXXX XXXX Collection Account OPEN XXXX/XXXX/2010 {$2600.00} This must be removed ASAP as they are 5 months behind in their legal obligations XXXX
I was trying to open an account with a credit union and i was told that I had to call  XXXX   XXXX    XXXX    and resolve an issue before receiving an account. I called  XXXX  and was told Bank Of America had reported me to them for fraud. I filed a dispute with   XXXX   about this issue and they even transferred me to Bank Of America to try to resolve the issue this was  XXXX  between the  XXXX  and the  XXXX . I talked to the recovery department and i explained to them my issue and they told me i had to write a lette r of Dispute wh ich i also did and still have yet to get anything resolved I told them i had no knowledge of the closed account nor was i responsible for the issue they are accusing me of which is what i was told was a {$40.00} overdraft and is the reason the account was closed and reported. I just want them to remove my name from   XXXX   XXXX   XXXX   so i can get my account straight with the credit union. I have called BANK OF AMERICA multiple times to resolve this issue I have also called  XXXX  multiple times to resolve this issue and have filed multiple disputes and complaints PLEASE JUST REMOVE MY NAME FROM  XXXX
The collection agency is trying to collect money on a debt that was already paid by XXXX Insurance company. The debt was paid on XX/XX/2011. The collection agency needs to provide information of billing from whom they purchased this debt. XXXX insurance provided the medical claims number ID XXXX ( The below information was copied and pasted from the XXXX website ) Processed By Date Member Provider Bill Amount Plan Paid Your Responsibility XXXX XX/XX/11 XXXX ( Husband ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again please research information with your client but in the mean time by law all Inaccurate information has to be removed from all three credit agencies. Please remove all information of your company and debt information from my credit report. You have the information to follow up with XXXX insurance.