WillisBack/dataset-financial-user-claim huggingface dataset:
On Friday, XX/XX/2017 I requested a copy of my Cardholder Agreement from Comenity Bank, which issued my XXXX XXXX Visa Card. On Sunday, XX/XX/2017 I received a response which read in total : " Thank you for your recent inquiry to our Customer Care Department. 
Comenity Capital Bank issues your account and responds to all credit related inquiries. This card is issued by Comenity Capital Bank pursuant to a license from XXXX XXXX XXXX. 

I will be more than happy to issue out a credit card agreement to you. 
Please allow up to ten business days to receive it. 
We appreciate your business and your loyalty. 
We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 
Sincerely, XXXX XXXX Internet Customer Care Team '' I have not yet received the agreement, and it is not posted on the card 's website as I thought was required, nor is the agreement in your database. Please help me obtain this important information! 

Thank you
XXXX XXXX is listed as a former employer. He was my XXXX husband that I divorced 14 years ago. To see his name on my report, I am not surprised that he would be involved in identity theft.
I am being harassed methodically about a debt that was created with accounting fraud and bank fraud, pursued with threats, mail fraud and wire fraud, and which continues to be pursued by US Bank which largely just got rid of regulatory issues with CFPB and FTC falsely claiming to have dropped the dispute. At this point, I continue to be contacted offensively constantly. Reference has been made to the bank continuing the false claim that there was a basis for the debt, in self absorbed gross misconduct XXXX that continues to have as its only substance generating criminal disturbances by every method possible with the bank. 
Which was told to cease and desist collections and refused to do so or cooperate with dispute debt collection law, or any other law as of XXXX/XXXX/15 and since, and cease contact entirely, at which time the bank started contacting me constantly demanding I " cease contact with the bank ''. 

Which continues to have no substance but criminal disturbances conducted like an orgy that has no end, and appears to have changed my residential mailing address because it has to cover up how brilliant it is living possible next door in my apartment building. 

I need my US mailing address removed from the abuses of US Bank and its employees, particularly for tax information I reportedy can no longer get on line, and for any other purpose by US Bank. I need US Bank removed from its continuing harassment of my XXXX mail at the Post Office I have been using for years, and the war it has created with postal employees who keep redelivering refused US Mail that US Bank keeps sending back. 

Reference to refusing to drop the dispute happened as a slip to CFPB repeatedly. 

Its responses to CFPB are no different from the contact with me, which is the sole substance continues to be an orgy of gross misconduct criminal disturbance damage infliction. 

It continues to falsify inflammatory claims to third persons to manipulate the no examination of the claims made, which are massively repetitively fraud, and so a criminal event escalating in severity as an orgy. 

I am continuing to be threatened about fabricated debt and forced illegal criminal harassment contact by US Bank by every method possible and working third persons including the XXXX US Post Office.
On XX/XX/XXXX, XXXX from Account Brokers contacted me after I moved to Iowa and informed me of a bill regarding XXXX, and she was very rude, which I do have recorded stated that there is a judgement against me and stated that she has put a warrant out for my arrest. She put me in tears before she hung up. I do have this call recorded. 
Today XX/XX/XXXX, I have n't heard from this lady in a long time. She contacted my job and tried to be so sweet, I informed her not to contact me at work and she stated I thought you were moving back to Colorado, I said I never said I was moving back to Colorado and she stated yes you told me that when I last spoke to you back in XXXX, I said no, and she argued that for a minute and I said I do remember talking to you and you were very rude to me, so goes " are you kidding me! '' I said yes you were, she then proceeded to state that I do have another account for XXXX and how would l like to take care of it. Said I cant make payment today and will contact her in two weeks. She started getting very rude and I said I am sorry, but I am at work and will call in two weeks, I asked her to email me the information so I could look at it and she stated NO, I can not and will not do that. I said then I will call you in two weeks and speak to a supervisor and I hung up on her.
My home was foreclosed while I was in the loan modification process. I was denied one time and the second time, even though I furnish all the required documents, my home was foreclosed. The servicing company was XXXX XXXX, Chief Financial Officer, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. The Trustee was LAW OFFICE OF XXXX XXXX, as Trustee, XXXX XXXX XXXX  XXXX XXXX, XXXX, CA XXXX.
I have repeatedly disputed items and I show XXXX open collections with a XXXX balance that should be closed because they are not collectible included in bankruptcy.
Equifax has my information combined with a family member of mine. I contacted them and spoke with their Mixed Department. I was told to send a copy of my drivers license and social security card. I did. 4 weeks later I contacted them to get the status of my issue. They told me it was too dark for them to read. I then lightened and enlarged and resubmitted. I was told to check back in 4-6 weeks. At 4 weeks they said they had not received it. At 6 weeks I was told the same. I asked for a mailing address instead of a fax number. I mailed them a copy of my drivers license, social security card, and an Experian credit report to show what my credit should look like. At 4 & 6 weeks they told me they never received it. I keep getting the run around and each time I call have to send them sensitive information to the address and/or fax they give me, but they " have n't receive it ''. They have also told me that I can not have a case opened until they receive the information, so after all of the info I have sent them, they have literally not even started the investigation. I have also been told that there is no way for me to escalate the situation because they do not have the information that I have sent them. Short of driving to XXXX and walking into their office to show them that I am a real person, I do n't know what more I could do. I am at the end of my rope with Equifax and if there is anything that can be done to assist me in correcting their mistake, it would be most appreciated.
Hello I am a victim of freud and I have made so many attempts to have this resolved my credit cards were used and I reported this each company without resolution. XXXX, XXXX Bank, XXXX XXXX XXXX.
Suntrust bank and XXXX  is not willing to take out me as authorized user from the account that has been closed and charged off because the owner of the account has passed! i was authorized user for work relation for some periods of time before the owner passed! Both party Suntrust and XXXX are aware I was only authorized user and I am not liable for that account, ,if I am not liable for the account why should this negative account show in my credit repot!
XXXX XXXX XXXX aggressively advertises loans for witch you can apply without credit report impact. Once you do, an an operator will try to coax you into applying for a secured loan you get a hard inquiry on your report. This is false advertisement and hurts consumers.
Capital Recovery Systems left two ambiguous voicemails on our answering machine for my wife. Did not leave company info. Message implied that something bad would happen if caller was not contacted by XXXX XXXX. I called the number that was left on the answering machine. Woman who answered phone said her name was XXXX XXXX. I asked her to identify the company or agency she was with. She refused. She used the callerid information to identify me and deduced that I was calling about my wife. Being concerned about identity theft or another scan I requested that she give me her company or agency name at least 20 times. I said that I would report her call to the FBI as a possible scammer. She still refused. Eventually I brought my wife into the room and we both talked with XXXX via the speakerphone. XXXX then revealed her company name, Capital Recovery Systems, and that she was calling about a debt. She said that we had to pay the debt before XXXX or be marked as refusing to pay. I asked if they had sent a written notification and XXXX said they " just sent it ''. We do not appear to have received such a notification. There was no information give to us over the phone about a right to dispute the debt. We were then asked how we planned to settle it. We told XXXX XXXX that we would address the matter once the written notice was received. She said we 'd be marked as refusing to pay the debt. I told her that we would reporting her company to the FTC. We reached XXXX XXXX at XXXX
This is not my bill. I am disputing the experian credit bureau to remove this from my credit report
I have a fixed rate mortgage with American Portfolio Mortgage Corporation. My fixed payment including XXXX is {$800.00}. The company is claiming they paid me too much out of my escrow reimbursement and withdrew {$1300.00} out of my checking account without my authorization. I called my bank immediately and disputed the charge and had it reversed. Then the mortgage company sends me a letter saying I owe them {$1400.00} as my next monthly payment and are trying to charge me a late fee and an NSF fee. My funds were not insufficient and the payment was on auto pay and was not late. They were not authorized to take any amount other than the {$800.00} agreed upon in my mortgage contract. I feel this is fraud and bullying and I 'm not going to tolerate it. If they want to provide proof that they overpaid my escrow and a full accounting of all my loan payments and it all checks out I 'd be willing to set up a payment plan with them to pay back their error but to take out almost double of my mortgage payment would have put me in a terrible financial position.
This company had contacted my daughter in laws father as well as the assistant human resource director at my place of employment. I called the number they had left and spoke to a XXXX XXXX XXXX. She stated that there was a civil suit filed against me for a credit card that was taken out in XX/XX/XXXX and that had been charged off and closed in XX/XX/XXXX. Although I had never received anything by mail she stated in order to keep it from going to court I would need to settle on a payment of XXXX that would need paid this month and said she would need to credit card information then and there to keep it from going to court. Feeling pressured to keep it out of court and avoid court fees I agreed and gave my information. After thinking more clearly about it I called and asked if they could send me a copy of the civil complaint. I was transferred to a gentleman by the name of XXXX. I asked for his last name and he refused to give it to me saying he was not obligated to do so. He stated that he could not send me the civil complaint and said that because of the questions I was asking that he felt like I was being coached on what to ask He then stated he would revoke our payment arrangement and would no longer accept it and would just see me in court. He became very rude and hostile and hung up. I called back asking for his last name and again questioned why he would not send me information the the charges. He then hung up again. I called my bank and cancelled my card. The company name was the XXXX XXXX. I am questioning the legitimacy of this company and the call.
On XXXX XXXX 2015, I was visiting XXXX ( XXXX ). I took a taxicab there, from the center of the city to my hotel. This should have cost not more than {$20.00}. The taxi driver insisted that I pay by credit card, took my credit card and returned it to me. I did not sign anything. Shortly thereafter I was told that the driver had in fact charged {$510.00} for the ride. 
On the very same day I called the credit card company ( Barclaycard from Barclays Bank Delaware ) to complain. 
They said that they would look into the matter and would let me know. Three months later, ( as of XXXX XXXX ) they are still charging me for it. They claim that they talked to the merchant and he insisted that it was a legitimate charge, and that they can therefore do nothing about it. They sent me a copy of the voucher, with a signature that looks nothing like mine. 
I have talked to the people at Barclaysbank Delaware at least XXXX times. They always say that they will look into it, but never do anything about it. I have sent them a handwritten letter, but they do nothing about it. 
I want everyone to know about this. These people would rather take the word of some taxi driver in XXXX than mine.
Someone been using my credit applying for credit and adding accounts to my credit. In XXXX and XXXX I contacted the credit bureaus and tried to resolve this and they won't do it even when I filed the identity theft report.
My complaint is in regards to an erroneous collections account with Enhanced Recovery opened against me by XXXX in 2015. 

I never received notification of the collection account being opened, and when learning of it ~8 weeks ago after having my credit pulled for a home loan I contacted XXXX Support. They discovered the account was opened in error and had the balance ( about {$80.00} ) on the account set to {$0.00}. However the collections account still shows on my credit report as " Paid in Full '' even though I never paid ( XXXX had the balance canceled ) - I simply needed the account deleted as it is impacting my credit and my ability to close on a mortgage. 

I was told by XXXX support that I would receive written acknowledgment of the account closure, but this never came. I have attempted to get acknowledgment again but have been told that now that the account is closed there is nothing that can be provided, either in email or physical form.
My student loans were part of a chapter XXXX bankruptcy that was discharged in 2014. Initially, the amount outstanding claimed was {$1700.00}. Soon after, Educational Credit Management Corp. added approximately {$8000.00} to the balance for " fees ''. It is my knowledge and belief that this is illegal, as I understand that the CFPB has enforced proper sanctions in similar situations. My loans are 30 years past due. I never was able to obtain employment as a result of my education. I am unemployed now. When I attended school my program that I was enrolled in was terminated by the school so that I could not receive a degree in that program. I will be applying for dismissal/forgiveness of my loans through proper channels. I ask that the board act on this complaint to resolve the immediate issue of improper debt collection practices asap. I also request suspension of debt collection activity as well. In addition I request that my tax refund offset of {$1300.00} be sent to me from this debt collector which it has recently collected from the IRS.
The company XXXX Associates Inc. keeps calling for XXXX XXXX. I 've told them not to call because I do n't know this person and I 've had this phone number for 8 years. Nobody by that name has ever had my number and I do n't know where they got it from. They keep saying they 'll remove my number and they do not. They have been calling my number since 2007. I 'm tired of these calls. Please advise. Thank you.
My student loans are currently reflecting incorrectly on all of the major credit bureaus. I have investigated and just now sent in for a complete investigation/audit to XXXX for refund issues with XXXX XXXX University and XXXX XXXX College. 
Since obtaining my loans I was never properly Advised that by not doing a small income driven payment I would be saving myself apparently now thousands of dollars. Each time I have contacted them I was placed only on a forbearance. 
As of now XXXX XXXX is reflecting the following to the bureaus which has my debt to income ratio WAY over the limits and is causing me to not be able to obtain loans and causing me negative harm and higher premiums on loans and insurance. 

I tried contacting the consumer to find out why the balance ( amount that I have borrowed is right @ XXXX more than the what I originally borrowed ) and I get no where but transferred around. It can not be possible that I have generated XXXX interest on my account and if I have it is their fault for not placing me on a program where I would have at least been paying the interest while I was in school. They false advertise and their customer service lies to students about the options they have. 
According to the FCRA if XXXX XXXX falsely reports information and the Bureaus do not fully investigate ( which I have asked to do on multiple occasions ) They are required to remove this account from my files.
XXXX XXXX XXXX XXXX STILL HARASSING ME. ABOUT XXXX  XXXX OF XXXX ALABAMA HERE IN XXXX ALABAMA WHERE I LIVE. THEY ARE THREATENING TO TAKE LEGAL ACTION AGAINST ME. I LIVE WITH MY MOM AND DAD THEY HAVE PROBLEM TOO. IT BEEN 7 YEARS THEY ARE KEEPING ON WITH THIS XXXX. AND THIS WAS DATED BACK IN X/XX/15.THEY NEED TO LEAVE ME ALONE. I DO N'T IT TO GIVE. THANK YOU FOR LISTEN TO ME.
Wells Fargo Bank transferred by Health Care Savings Account Optum with no prior notification to me of doing so. I have $ XXXX that is basically missing with no knowledge of how to access these funds or ability to verify the funds are still in my name. 

The funds were removed from my XXXX on XXXX and I noticed on XXXX a XXXX balance in my online account. I acknowledge that when contacting Wells Fargo, they have a recording notifying customers of this transfer, however this is the first I heard of it and I did not have the ability to opt out of this transfer to choose an alternative source to manage my account.
Citibank LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX CA XXXX We started this short sale on X/XX/17. We have been trying to gain closing approval for the last 3 days and have been having several issues with Citi : 1 ) Vesting -- - XXXX XXXX, the closer, demanded that vesting be changed stating that title had to be in the sellers individual name and not his trusts name per their vesting that existed when the loan was taken out. The only problem is that the loan was take out in the name of the trust with the seller as trustee ( See attached Title Report and Recorded Deed of Trust ).
2 ) Patrick demanded that the buyers closing disclosure ( CD ) be altered in a way that would be both a TRID and RESPA violation. He demanded that the closing date on the Buyers CD, which is actually the consummation date ( the date the buyer signed loan documents ) be changed to match that on the sellers CD. This obviously ca n't be done as California is not a table closing state and our lenders do not table fund. ( See page 5 of the attached Understanding TRID Forms ) 3 ) Contacting XXXX to discuss this has become almost impossible as we have been told that he no longer has a telephone and leaves his intercompany IM turned off. The only way that we have been able to get XXXX to respond to us is by calling someone else in Citi and having them walk over to XXXX building to see if he is there and ask him to actually open his emails. When this was finally done, and XXXX  finally responded, he stated that the closing date on the buyer CD is required by federal law. WE have, in fact, verified that this is a lie and that this is something his department has made up. ( Again see page 5 of the attached Understanding TRID Forms. ) Have the negotiators at Citi actually received TRID training and specifically training on how to read a buyer side CD? I can tell you the answer is NO. I should also state that we have closed over 2500 short sales ( and multiple with Citi since TRID went into effect ) and this is the first time a buyers side CD was requested.
So my real question is why is this being done? Why are we being asked to put title into a name that is not on the original loan docs? Why have demands been made to violate federal law with violations of TRID and RESPA? Is this just the attempt of someone that is extremely overworked to push a file aside for later review?
We would like answers as to why there have been multiple illegal servicing activities on this short sale file since its beginning ( Please see our CFPB Complaint Filed XX/XX/2017 Case # XXXX ). What is going on at Citi? A lack of staffing, training, ethics?
My wife fell sick in middle of  XXXX  this year. Doctors put her off work indefinitely to treat the cause of her sickness. Me and my wife are sole earners and we both contribute to pay for our mortgage. We contacted our mortgage company and informed them we will only be able to pay half of  XXXX  's payment.   We explained our hardship to the company and they suggested to apply for loan modification. We agreed and we were instructed to submit the paper work. It took whole month of  XXXX  to complete the required documentation. We were only able to pay half of  XXXX  month 's payment.   We were told it would take  30-45 days  to process the modification.   We got a letter from the mortgage company last week dated  XXXX   XXXX ,  2017 that  modification was declined because default not imminent / default status not eligible.   The reasons gi ven : 1 )  We are current on our mortgage ... .Where as we are {$5300.00} behind as  XXXX  statement.    2 )  Financial hardship not documented that reduced income ... .my wife gets paid less than half of regular wages from  XXXX  insurance.     3 ) We have sufficient net income to pay current mortgage ... ..We submitted our income and expenses report which showed our total expenses could not meet the income.
4 )   We have enough cash reserve ... ..We stated in the income report that we have less than {$500.00} cash in the bank.
Credit control corporation calls several times a day either looking for my wife or myself about a debt that we have no idea about since it is not on our respective credit reports. I have no collections on my credit reports so I do not have any idea what we supposedly owe since our bills are always paid ahead of schedule.
I called Experian to explained that I have 36 inquiries on my Credit Report and I did not apply for Credit at any of these companies. I spoke to the Fraud Department on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. I sent an email to the President of Experian explaining that I did not make these inquiries and I have a fraud alert placed on my account. 
I also have a Collection Account that I know nothing about. XXXX XXXX XXXX and/or XXXXXXXX XXXX XXXXXXXX that does not belong to me. This should also be removed.
I tried but can not make a withdrawal from my checking account with Wells Fargo on XXXX,2017. I contacted Wells Fargo, and was told there is a hard hold on my account, that my account is under review, that it will take ten business days and excluding weekends to do the review. I was told a decision may be reach on XXXX,2017 and that is all they could tell me. I called Wells Fargo again on XXXX,2017 and they repeated all the things they have told me before, except that they may reach a decision now on XXXX, 2017 instead of XXXX, 2017. I have only {$1.00} in my possession when i discovered the freeze of my checking account, i do n't know how they expect me to leave on and make bills for two week in the middle of the month while they do their reviewing
no fraud on my report. not on public assistance.information reported over and over.can not recall dates, actions, amounts, because of false information.
A personal check was mailed to XXXX XXXX Bank for XXXX from a Citi Bank account. My bank account statement shows that the money was deducted from my account, but XXXX said they were never paid. Citi Bank is not telling me who they paid or where that money is.