WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from Citi bank ( reference # XXXX ) stating a refund of {$150.00} was credited to my Citi credit card. The date range for the charges on the account regarding Citi Idenity Monitor from XX/XX/XXXX to XX/XX/XXXX. I had an active credit card during that time frame. However I had to file bancruptcy in Federal bancruptcy court in XX/XX/XXXX and debt was disolved in XX/XX/XXXX. I have called the contact phone # listed on the letter plus other numbers given to me by Citi bank associates only to have the letter read to me over the phone. I was also given a website : XXXX XXXX but when I put the letter reference # and my last name the data base did not recognize the information I submitted. I am getting no where with this refund that is due to me. I no longer have an account to credit a refund to and the debt has been disolved. Your agency is listed in this letter stating that Citi made an agreement with your agency to refund certain customers who were charged for a service they were not enrolled in. I fit into that criteria. I hope you can assist me with this problem because I have been getting no where with Citi bank even after I spoke with a supervisor requesting a refund check. I look forward to hearing from you and getting your assistance in this matter Sincerely, XXXX XXXX
National Recovery Agency insist that I owe {$5700.00} in charges. I am a victim of Identity Theft. I was recently contacted by the United States XXXX XXXX XXXX XXXX informing me that I was a victim of ID theft. They informed me that my information has been compromised.
In XX/XX/XXXX my daughter wanted to attend XXXX XXXX University in NC. She had just graduated from high school and having made XXXX throughout school I did not hesitate to help her when asked to help with school loans. My daughter later transferred to XXXX XXXX University in NC to pursue her XXXX because XXXX had a three year waiting list on their program. Once again I supported my daughter. She was maintaining a good GPA and taking college seriously. We hit a few bumps along the way with my daughters emotional stability and in XX/XX/XXXX she was diagnosed with XXXX ( XXXX ). She instantly became XXXX dependent on her father and I. I would 've never in a XXXX years thought that this would happen to my daughter. Now my husband and I are left to pick up the pieces of my daughters broken dreams and financial responsibilities. I have XXXX XXXX children and we as a family are barely making ends meet. I encouraged my daughter to apply for total XXXX forgiveness and she was told that I was primary on XXXX loans and they can not be considered for the forgiveness programs available today because these are private loans. Navient has done nothing to resolve my issue or help my family with repayment. They have threatened every inch of livelihood we have. I was told they would garnish our wages and put a lean on own house if we did n't start paying $ XXXX {$700.00} right away. We can not afford that as a family. Also, I feel there should be some consideration made on behalf of my daughter because going into this situation my daughter was in her XXXX and she had every intention on becoming a XXXX and signing a contract with a hospital to get her loans paid off. As you have read things did not go as planned. XXXX I am asking for help because no one seems to understand the struggle that our family is going through! My daughter consigned on all XXXX loans and I feel she should be eligible for a forgiveness programs because she was the one enrolled in college. I was not given any other options from Navient. They want the money or say that I will lose everything we have worked hard to keep. I 'm scared to think about where my family will be then. Can I be considered for forgiveness due to this circumstance? If not, I 'm in debt for almost {$100000.00} with no way out. Please help my family today!
Midland Credit Management , Inc. repeatedly call me on my cell phone, which is my work phone. When I say Hello, hello, no one is there!!! I repeatedly asked them to Validate this debt, which mentions XXXX and as I see from my credit report is quite old, but they keep sending me a letter saying they are requesting the appropriate documents. The last time they called, I took a photo of the call on my cell number. XXXX removed their entry from my credit report but XXXX is not willing to do so.
XXXX XXXX  sold my contract to XXXX XXXX XXXX. XXXX was in the middle of fixing the known issue with the fire tax payment, they are not supposed to be paid from escrow. 
My property taxes are due XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX and told them my city taxes were not paid. They said they would look into it because they had XX/XX/XXXX as the due date. They sent me a certified letter saying that they were correct. I contacted them again on XX/XX/XXXX as my taxes were still not paid on XX/XX/XXXX. They eventually got paid by XX/XX/XXXX. The other issue is they are not supposed to pay my fire tax this is a utility tax. They think it is still my property tax and it is not. If they were going to pay all my utility taxes they would be paying the sewer tax and all my motor vehicle property tax. This is what XXXX XXXX was in the middle of fixing before they sold the whole contract over to them. I contacted XXXX three times to try to fix this. Their customer service is unresponsive and incompetent. I have put in a complaint to the XXXX XXXX XXXX only to have them keep saying that they are correct and I'm wrong. I had to pay back to my escrow account {$420.00} back to XXXX XXXX to make sure my escrow account was not below balance.
XXXX XXXX collecting on loan with unauthorized signature. Attempted to reconcile by asking for loan forgiveness or loan discharge. Consumer took action and filed a complaint with the XXXX XXXX XXXX of Tennessee XXXX XXXX XXXX   County due to XXXX XXXX violation of the Tennessee Uniform Electronic Transactions Act on XX/XX/2019. Consumer submitted ID Theft Affidavit provided by XXXX XXXX on XX/XX/2019 to their website. Consumer submitted Authorization for the Release of Information on XX/XX/2019 to their website. XXXX submitted his notarized signatures to XXXX XXXX on XX/XX/2019 to their website.
My due date was on a Sunday, XXXX/XXXX/16. The payment was delivered on Monday, the next business day, and yet I was charged a {$25.00} late fee. I have never made a late payment in the lifetime of the account and I am concerned this is an intentional practice to extract late fees for payments that can not be delivered on days when banks are not in session.
Navient is an absolutely terrible company to deal with. I make payments of hundreds of dollars only to be called the next day to be told I still owe hundreds of more dollars on " other '' loans. I've setup payment plans that they have cancelled without my knowledge. Most recently, I just recieved a call stating that my loan is 100 days past due and that I owe them {$2500.00} immediately when I was under the impression that I had a payment plan in place. When I told them that I don't have that amount right this second, the man on the phone said " account noted '' and hung up on me. Really? This is how you treat people that pay your company huge chunks of their income? 

I've been consistent with my payments over the past decade but the way they have treated me over the past year is extremely frustrating and uncalled for.
Wells Fargo bought my mortgage and soon after tried to cross sell me flood insurance that I did not want or need. I proved this case conclusivly, but Wells Fargo lied that they could force this insurance and they reapportioned my mortgage payments to pay their flood insurance and began foreclosure proceedings. I hired an attorney and we sued them. Wells Fargo ( with your help ) " agreed to '' clean up my account, return all unlawfully escrowed money back into my mortgage payments, and pay {$15000.00} for ruining my credit for 4 years. Wells Fargo asked that I close my complaint with you ( CFPB ) in XX/XX/2018 and then they would settle this case. I did and Wells Fargo paid my attorney {$15000.00}, and then " RENAMED '' their escrow account with me as a " different '' debt instead of returning it to my mortgage account. Wells Fargo was informed of this issue by me and my attorney. They knowingly ignored it, and then ruined my credit again. 
My husband can not retire. We can not get a mortgage on our homestead, We can not refinance investment property or get development loans in some commercial property that we own. Before this Wells Fargo nightmare began, we had planned to refinance a rental home at 3.5 %, to pay off a student loan, and situate ourselves for retirement with a 3.5 % home loan on our homestead. None of this has been possible. My husband is XXXX-years-old, my student loan has grown beyond control, interest rates are climbing far beyond 3.5 %, and a personal loan with a family member is being called in. 
Please reopen the complaint that you closed in XX/XX/2018. Wells Fargo has breached their contract and settlement with me. The costs to settle this case are the costs for me to reclaim my plans listed above. Please note that the issues listed are not " mistakes, '' but instead predatory acts by Wells Fargo.
I had a target debit card payment go through that overdrew my account {$.00} - XXXX XXXX CENTS and they RETURNED the payment to XXXX and slapped me with a {$35.00} fee. I will also now get a {$30.00} fee XXXX. Their overdraft policy CLEARLY states if your account overdraws less than {$5.00} there will not be a fee. Not only did I get the fee they returned the payment entirely. This is insanity! I am now paying {$65.00} for a {$0.00} mistake.
In XXXX I applied for a loan with XXXX XXXX, this loan closed on XX/XX/XXXX. In XXXX I received notice that the loan had been sold to Citibank, I received XXXX letters as required. Last week a call came into my office, I am the office manager, from Citibank to verify my employment. I have not signed a release for Citibank to make such inquiry, I did not apply for a loan with them they purchased the loan. I advised XXXX XXXX from Citibank that they did not have my permission to make inquires regarding myself and that I would file a complaint with the appropriate departments. I did inform my employer of this and emphatically stated that I did not give permission for my personal information to be released to Citibank. Today XX/XX/XXXX forms arrived at the office asking for information regarding myself. As a rule it would be something I would handle, I did forward a copy of the documents to my employer. I would like to stress that I am not behind in my loan payments they are made on time each month. This is an invasion of my privacy and I feel violated and therefore want to file a formal complaint against the bank.
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. They have ignored repeated requests to verify this account under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX   XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX
We have a bankruptcy on our credit report that was filed in US Bankruptcy Court in XXXX, CA in XXXX. Experian Credit Bureau is not reporting the bankruptcy correctly and despite our request for proof of validation that they are reporting correctly, they are ignoring our request. All we get back from them is that they have validated the bankruptcy with the court and it is correct. Experian is refusing to follow the Fair Credit Reporting Act and the rules set forth by this act where they have to provide proof to us on how and when the reported bankruptcy was validated and who at the US Bankruptcy Court validated that the information is correct. I have done a lot of research and know it 's my right as a consumer to have this provided to me : " Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the consumer. '' Since the US Bankruptcy Court do not validate or give out any information to Credit Bureaus, they are continuing to give us incorrect information when they state they validated with the court. We have attempted since XXXX XXXX, XXXX to have this matter corrected or deleted by Experian and they continue to deny and continue to report the information incorrectly. This is hurting our credit worthiness. All we have asked Experian to do is to be truthful and provide us with their validation, or if they ca n't provide validation, please remove the incorrectly reported bankruptcy.
A XXXX citizen who went to XXXX XXXX for {$1800.00} worth of dental work. Could not afford to pay upfront ; XXXX XXXX told me to use their payment plan. A foreclosure prevention counselor at a non profit anti poverty agency explained to me that it was a care credit card with a XXXX interest rate. She also showed me that only pay the monthly amount would cost me over {$5000.00}. XXXX did not explain this to me and did not tell me that I may have other options to pay this bill
XXXX continues to contacted me XXXX x consecutive times during work hours and told them to contact me after XXXX XXXX for a Capitol One credit card for {$330.00}. XXXX have failed to protect my rights so I am requesting them to cease and desist since they are in current violation of my consumer rights. 

Debt Collector Information : XXXX XXXX ( Representative : XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Account ending in  XXXX  open date  XXXX   XXXX  Amount {$5400.00} Account ending  XXXX  open  date  XXXX   XXXX  Amount {$410.00} Account ending in  XXXX   open date XXXX   XXXX  Amount {$880.00} I have recently sent a letter stating that this account does not belong to me and if they are unable to verify this account to please have it removed. I have also asked them to disclose to me all of the documents that they have on recorded and retained in their file.     The  15 U.S. Code 1681g - Di sclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer.     I did not receive any documentation within 30 days to validate that these accounts belong to me.     the CRA 's have ignored my request to provided me with the documents that isintheir files that they used to verify the disputed accounts which means thatthey have NOT verified orthey can not verify any of these accounts and under Se ction 611 ( 5 ) ( A ) of the FC RA they are required to promptly DELETE all information which can not be verified.
I keep getting phone calls and text messages from XXXX. They do not leave a message, but text message says it was XXXX XXXX  about collecting debt for an account with XXXX XXXX. I have never shopped there and don't wear glasses. I've gotten approximately 15 calls from them in the past week. I think someone must have given them my number or that they have my number by mistake.
I have had nothing but bad service with First Mortgage Corporation ( " FMC '' ). A few months ago I was told they sold my loan to another servicer. I began calling the other servicer for an address to send my payment. They told me they did not have me in their system. Finally after calling for a FULL month, I called FMC and was told that my loan was NOT sold and it was still with them. 
Fast forward to XXXX XXXX, 2016. I was told again that my loan was being sold to another servicer. I went ahead and paid the XXXX payment to FMC to avoid the issue of waiting for an address to mail the payment to the new servicer. I then on XXXX XXXX received a notice in the mail from the treasury department telling me that my taxes were never paid in XXXX and that they would be publishing my information if it was not paid by XXXX XXXX. I called FMC and left a voicemail and said that my taxes were not paid and for someone to call me. I never received a call back. I then began calling the new servicer to let them know of the tax situation and was told that my loan information has to be in their system before they can do anything about the taxes. I have been calling for weeks and my loan is still not in their system. I began to wonder if my loan was transferred or if I was again told that it was sold but it actually was not. I again called this morning to FMC and received a voicemail over and over again. Unless I know an extension I have no one to talk to. I do n't want to pay my taxes directly as I have already paid it in my mortgage.
Have several payday loans but am currently unable to pay them. I 'm working with a Payday Debt Solution group and am still getting calls threatening legal action. 

Got a call today from a XXXX XXXX at XXXX advising that legal action would be filed for misappropriation of funds unless I returned the call today. 

I returned the call and immediately XXXX began asking me questions to " verify '' that he was talking with me. I refused to give him any information and he indicates that a lawsuit will be filed. 

I checked the phone number he gave me XXXX and it 's registered to XXXX XXXX XXXX of XXXX, Texas. 

I believe this is a scam and this individual ( he did not give me the name of his company when he left a message -- only that it was the legal department ) .is a scam artist. 

I hung up on him.
both XXXX and Equifax have taken monthly charges for membership without giving me access online to view my reports. I have called multiple times requesting a refund for the months I was not allowed access and also advised them that as a victim of identity theft, it is my right to have access to my credit report. They have in fact told me, because I am a victim of identity theft that I will not be allowed to access online even when I paid. Neither bureaus has refunded me for the inconvenience.
My home was forclosed on in XX/XX/XXXX, 2017. I had been working with BOA for months to do cash for keys or a shortsale, or even a modification. I went to an on location mobile help site set up by BOA to sit down and speak with a loan counselor and they were not able to assist me because the loan was FHA. ( this was not stated in the letter advising us that they had on site help ). I kept in touch with my siingle POC but they changed often sometimes even twice a month. I submitted all of my paperwork when they requested and was in contact with them up until the day of the sale. The rep stated they had had my paper work prior and was reviewing it. They said to me that they could postpone the sale and did not. I lost me home and because of that me my son and my grandchildren were homeless. I asked the rep what happened why couldnt they postpone the sale she stated it was a " mistake ''. 
I did every thing they asked of me, over and over again, package after package and they did not keep up their end. I understand that I signed a contracual agreement and BOA agreed to work with me and did not uphold thier end. As a result, we were homeless for the 1st time in my life, it is tramatic experience for me and my family, and it affected my health.
On  XXXX   XXXX , I contacted this company about something I have noticed on my credit report that was opened on  XXXX . I informed them that I was never in any medical facilities and I have no knowledge of this account. They informed me that that 's what they received and they are not Going to do anything about it to investigate. I disputed that on  XXXX   XXXX  with the credit bureau. I do n't understand why I was n't contacted about this and how someone can just post something on your credit report without contacting you to verify that you actually owe that debt. This company is committing a fraud by submitting some documents that are clearly fraudulent.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX card svc FAC customer service XX/XX/XXXX XXXX XXXX XXXX XXXX card XXXX XXXX XXXX These inquiries are on my credit report due to idententy theft and fraudulent activity. I would like these inquires immediately removed from my credit report as it is fraud. I have filed a fraud/ identity theft report through XXXX county police depart in Texas XX/XX/XXXX case # XXXX
Experian retaliated againgst me for reporting them. Fraudulently stated I recently reported identity theft which I did not. Multiple disputes used the cover that I reported identity theft to avoid handling my legitimate disputes with XXXX XXXX, XXXX and XXXX. Experian should be investigated today the lowered my credit score 68 points because of XXXX XXXX a company that failed to advised what happen to my return and what they are ruining my credit over. Experian should be fined for manipulating my credit score showing as if XXXX XXXX is a recent legitimate debt. Without showing debt or proof of debt.
SOMEONE USE MY IDENTITY AND OPEN UP SEVERAL ACCOUNTS UNDER MY NAME IN XXXX XXXX NEVADA FROM XXXX TO XXXX. I HAVE LIVED IN ALABAMA ALL MY LIFE. THESE ACCOUNT ARE EFFECTING MY CREDIT SCORE. I HAVE SINCE WENT TO THE STATE OF ALABAMA DMV AND ASKED FOR 17 YEARS WORTH OF DRIVERS LICENSE. I HAVE DISPUTED AND TRANSUNION STILL REFUSE TO REMOVE FROM MY CREDIT FILE. I AM ASKING FOR A FULL AND ACCURATE INVESTIGATION IN THIS MATTER. THESE ARE THE FOLLOWING ACCOUNTS OPEN IN XXXX XXXX NEVADA UNDER MY NAME!. XXXX XXXX 2.  PRIME ACCEPTANCE 3. CHAPTER XXXX BANKRUPTCY XXXX THESE ARE NOT MY ACCOUNT U CAN PROVIDE A LEASE FOR THE PAST 10 YEARS FROM MY LANDLORD AND OTHER DOCUMENTS THIS IS NOT ME!!!
We recently bought a house. closed on XXXX XXXX. Our mortgage is serviced through M & T bank. Our first tax bill was taken care of by the title company who collected that money at closing. Our bank paid the tax bill as well resulting in our escrow being negative balance. We callled immediately telling them what happened and that they need to get a refund from town. A week later they received the refund, but are still telling us that we owe them the money for the negative escrow. we are NOT paying this. it is completely unfair.