WillisBack/dataset-financial-user-claim huggingface dataset:
I have been repeated calls from the number XXXX at my home number, XXXX for the past several months now. The number, which is listed as unavailable on my phones Caller ID, does leave a message that they are in essence trying to contact me regarding important personal business. The voice in the message is male with somewhat of a southern drawl. I have answered the phone a couple times, but when I do and try to see what the message or the call is about, I get a message saying something about the person they are trying to reach, but the name is unintelligible because it is done by a computer and it is very hard to make out. I have tried contacting the FTC about this since I am on the Do Not Call list. But nothing has been done about this. I usually get at least one call per day from this number, and I have saved up to about 15 of the most recent voice mails from this number on my home phone.
I'm being charged for a medical bill for my son that has already been tooken care of, i recently contacted XXXX  about this matter and was told that the debt will remain because its my account that hasnt been paid which it has i have proof
A merchant called  XXXX  unauthorized charged our card without permission by deducting funds :  1 . Date and amount of  transaction1 :   XXXX   XXXX ,   XXXX   : {$180.00} ; {$25.00} for fee  2. Date and amount of transaction2  :  XXXX   XXXX ,   XXXX   : {$580.00} ; {$25.00} for fee We opened a dispute with  Citibank  on  XXXX    XXXX  . We had contacted Citibank no less than  20  times via  Citibank p latform, mails, including providing all the necessary documents multiple times ; however,  Citibank chose to ignore our request. This matter had been ignored by Citibank  for 9 months now.     We had no choice but to seek some help here in getting some update on this matter.
I recently had XXXX student loans with XXXX XXXX that were discharged due to XXXX on XXXX XXXX, 2016. I checked my Equifax credit report and determined that they did not show closed and paid on the XXXX student loan tradelines with XXXX XXXX they left those open but also added XXXX new tradelines with XXXX XXXX XXXX XXXX to my credit report and then reported those accounts closed and paid. I have a total of XXXX tradelines of student loans now. I called Equifax and told them that the information was incorrect and that these accounts are duplicated and it should only show the XXXX original tradelines with XXXX XXXX as closed and paid. I receive notification on XXXX/XXXX/2016 that Equifax has not removed the original XXXX loans but they have just closed them and noted on all XXXX accounts that they were : ( Student Loan Account Transferred Or Sold Student Loan ) which is not accurate. I have tried to get them to report accurate information and I am not getting the service they should provide by law. I would like this information reported accurately as it has caused my credit score to drop significantly ( XXXX to XXXX ).
Ditech Financial LLC has been reporting since X/2014 that I have an open account with them # XXXX which I have never had and they are coding to my credit report as this being a XXXX. I am trying to refinance my current mortgage and ca n't because this is on my XXXX credit report. XXXX  and XXXX credit reports are correct. I have contacted Ditech Financial LLC on numerous occasions and XXXX and just keep getting a run around, their employees are also very rude when you ask about these fraudulent claims on my credit report. I just ca n't believe Ditech Financial LLC and XXXX are allowed to put these bogus fraudulent claims on my credit report and have been doing it for years. This should be a crime and they should be punished for taking advantage of their customers. Please help me. 
Thank you, XXXX XXXX
On XXXX XXXX, 2017, Equifax announced that it suffered a data breach. Then they said in the letter, " If you ( I ) believe you were the victim of identity theft, here are some steps you can consider for additional protection ... '' Then they give a bunch of steps that essentially TAKE THEM OFF THE HOOK! There are services mentioning them giving credit monitoring for free for a year. THEN, you pay for it! Why should I pay for monitoring from THEM when THEY ca n't protect the information in the first place? Free or not, how have THEY proven that THEY can secure anything let alone one 's social security number, etc.? 

They are a credit reporting company! My information has been compromised by THEM! They let this happen by not securing personal information. 

Now, what am I supposed to do?
XXXX   XXXX ,   XXXX   sent  7 pages of documentation to Synchrony Bank Creditor concerning 'Denial of Credit Card due to " Credit B ureau Report is NOT Accessible '. I requested from Synchrony best timing for me to 'temporarily remove the freeze on my   XXXX    cr edit bureau files ' -- which I 'm guessing was the reason for Credit Bureau Report  is  NOT Accessible '.      XXXX   XXXX ,   XXXX   receive an 'form letter ' response a 'standard ' letter that clearly indicated no one had even looked at the information I had sent ; but at least there was a phone number  XXXX  if I had more questions. Seeing my question had n't even been addressed at all in the 'standard ' letter Synchrony Bank had sent, at least I could talk to a real person. When a  XXXX  assumption of my part. That number leads to : " You just won a  XXXX  cruise, you just won a {$20.00} Visa card, you just won a  XXXX  ... ... Do n't say 'YES ( i.e., do n't hit #  XXXX  ) ' to select anything you just won and you are disconnected. Call same number back and " that phone number is not available in your area ''. ( The exact same phone number just called and the number provided by Synchrony Bank Customer Service Department.  XXXX  Bottom of their letter with 'bad ' phone number has #  XXXX ,  XXXX   XXXX   Guess  that is their code for 'sucker '!!!  Does  Amazon know what shysters they are dealing with?
I have submitted numerous requests for verification of my accounts with XXXX Trans Union, and XXXX, and have yet to receive a response. They are in direct violation of the FCRA and I would like this taken care of immediately.
I have an issue with DiTech Financial who holds the mortgage on my home. They have demanded reinstatement funds from me to postpone a foreclosure sale, which I provided and can document ( see attached ). However, they failed to apply these funds to the mortgage, they have kept my property listed as a foreclosure sale through public notices and they continue to categorize my mortgage status as delinquent. I dont know if this is due to incompetence or inefficiency or if DiTech is attempting to steal my home through their unethical business practices. Due to unforeseen circumstances my home went into delinquent status. Once I was made aware of the circumstances I reached out to DiTech to resolve this matter. I was told that the only option available to postpone the foreclosure was to fully reinstate the loan. I contacted legal representative XXXX, XXXX XXXX XXXX in order to determine the amount that needed to be paid to reinstate the loan and postpone the foreclosure sale. The SAME DAY I received the reinstatement figures I wired the money to them, and they acknowledged receipt of the funds and communicated with me that the foreclosure sale date had been cancelled. So one would think that everything was fixed and the situation handled. My home is still listed as being in foreclosure and as recently as 3 weeks ago a foreclosure sale notice was posted. My mortgage statement does not reflect the fact that I am paid up and current and instead continues to give the impression that I am in delinquent status. Despite repeated attempts to correct this issue and to obtain a proper accounting DiTech has rebuffed me at every turn. I need to get a full and correct accounting of payments received and applied, as well as the amount of late fees, legal fees, inspection fees and likely JUNK I have been charged. I have been an Attorney for the last 27 years and am able to make my current monthly mortgage payment without a problem. My issue relates to my wife, who has been having some mental health issues lately. She was in charge of paying the bills, and for some reason she neglected to make the monthly mortgage payment for several months. As soon as I became aware of this and the fact that we were in foreclosure status I IMMEDIATELY attempted to work things out and ended up reinstating the loan as directed by DiTechs law firm. Why has DiTech refused or ignored the fact that I reinstated my loan? Why is my property still listed as a foreclosure sale?? Why does my statement not reflect the amount I reinstated? Why is there a deferred balance listed on my mortgage statement? Why is DiTech treating my mortgage as though it is in delinquent status when I have reinstated the loan and made the monthly payments as agreed the last three months? I need some answers.
I applied for the Citibank Platinum Advantage card in XX/XX/2018 and used a special code that was sent via mail advertisement to my house. This was to obtain the promotional offer of XXXX bonus XXXX XXXX miles if I spend {$3000.00} within 90 days of opening the account. I fulfilled my spending requirement, however Citibank refuses to credit any more than their basic bonus of XXXX miles. Citibank owes me XXXX miles but will not credit my account unless I produce the original advertisement literature which I have thrown away already. I did not expect Citibank to fail to honor their promotion or I would have retained that evidence. I just want Citibank to honor their agreement and credit me XXXX miles to my XXXX XXXX account and this will be resolved. I should not be held responsible for Citibank 's application malfunction or internal website problems.
There 's a collection on my report for {$4800.00} from midland collection agency which I believe was from a XXXX account. This was from WELL over seven years ago and I believe was settled a long time ago as well. Sadly I do not have records from then as I lost a lot of my older records in a fire. I 'd like this looked into and removed if possible.
Re : XXXX at XXXX and National Credit Systems , Inc. Complaint Dear Consumer Finance : I am writing to make a complaint against XXXX  at XXXX XXXX for failure to rectify and create habitation to unit. For the past few months, I have filed several complaints regarding the conditions in which I was forced to endure inhabitable unit. The landlord had refused to make repairs and rectify nuisance. The law states, Texas tenants can terminate lease or deduct and repair for necessary repairs. The tenant has a reasonable right to enjoy a place. The landlord is obligated to maintain property in suitable condition for the purpose for while it was leased. 

Most importantly, After filing 11 complaints from XX/XX/XXXX to XX/XX/2015, in regards to ceiling leaking water overhead in shower while in use, tub does not drain out during shower, shelving is loose/detached, toilet leaks, multiple indoor pest such as centipedes, ants, spiders, roaches, flies and termites, kitchen stove burner sparks and backfires during use, glass sliding living room door blinds chain/ cord/ wand broken when I moved into unit, tiles and paint peeling off shower wall and tub, nonstop leaks, electrical and lighting outlets did not work, refrigerator parts/ access missing/ broken, excessive noise levels originating from unit ( heard overhead in master bedroom ) due to neighbor in upstairs unit arguing and fighting constantly. Ive called police numerous times to report XXXX XXXX and notified the rental management of this issue. As per the rental agreement and the landlord failed to remedy these issues after receiving notification. I had no choice but to submit notice and vacate unit. Due to the ongoing stress and being unable to get proper rest it worsened my history of atrial fibrillation and caused me to make costly emergency room visits. 

Furthermore, I dispute the validation of the debt {$2600.00} and firmly believe I do not owe XXXX at XXXX XXXX anything. Due to several violations stipulations of the rental agreement and my right to terminate the lease due to inhabitable conditions and my right to reasonable enjoyable place to live. 

Thank you for your prompt action in addressing these concerns. 

Sincerely, XXXX XXXX
On  XX/XX/XXXX , I opened an account with  XXXX  for cellular service. After a few days, I decided that this was not a good plan for me. I closed the account and return all the equipment on  XX/XX/XXXX . On  XX/XX/XXXX , I received the first notice relating to this matter from  McCarthy, Burgess and Wolff.  I never received any communication from  XXXX . After receiving that first noticed, I immediately called  XXXX , spoke to  XXXX  #  XXXX , she stated that she could not pull the records and that I would need to speak to a lawyer. She transferred me to th e Collection Agency,  I spoke to  XXXX   (  operator ), and she then transferred me to  XXXX   XXXX  (  XXXX  ext  XXXX . I explained that this should never had been sent to collections, because all the equipment was returned on  XX/XX/XXXX . Furthermore, the  XXXX  statements have the wrong address. That is not my address, nor as it ever been.  XXXX  stated that she would submit a dispute on my behalf. Then, on  XX/XX/XXXX  I called and spoke to  XXXX , she said that the dispute was never done by  XXXX   XXXX . She said that she would put in the dispute and that I need to wait 30 days. I asked to speak to the supervisor  XXXX   XXXX  ext  XXXX . Explained the situation, he said that he would call me back, but he never did. I called him back on  XX/XX/XXXX , where I had to repeat the issue to him, he said that he needed to file the dispute again. He could not give a time frame for resolution. He was unethical and did not do what he said he would do. The bottom line is that that  XXXX  put me in collections unlawfully, which impacted my credit report for equipment that was returned on  XX/XX/XXXX . I have attempted to resolve this matter with the collection agency and  XXXX , but neither is responding accordingly. I should have never been put in collections for this matter. Furthermore, the impact on the credit report effected my ability to get business loans for my business.
My American Express bill was due on XX/XX/XXXX. The total due was {$29.00}. Admittedly, I forgot to pay the bill on time and did not pay it until XX/XX/XXXX. The late fee for a {$29.00} charge is {$27.00}, which is almost a late fee of 100 %. I would say that this is usurious, but it 's not an interest rate. It is, however, unfair and abusive. 

Please investigate them and have the charge removed from my account. This ridiculous. I have had an account with American Express for 24 years and have never been late. The fee is completely disproportionate to the bill. Rather than set fees, perhaps they should charge a percentage, like mortgage companies.
Company keeps calling and leaving silent voicemails. They are mean and rude and won't stop when told to.
I opened a checking and saving accounts around XX/XX/2018 with Citi bank under the promotion of {$400.00} bonus with $ XXXX deposit for 2 months. I met all the requirements and confirmed by one of the representative on the online chat and confirmed that I should get the bonus by XX/XX/2018. The bonus was not posted as promised and filed a dispute. The case came back with reason that the saving account was closed which I did NOT initiate the closure of this saving account. And also at the time of the promotion in XX/XX/2018, there was no such a language that both checking and saving accounts need to be opened for the bonus to be posted. It seems like Citi has the  agenda of finding all kind of accuses NOT to pay the bonus while keeping customer 's $ XXXX for 2 months.
I discovered a past due balance on a XXXX credit card. I had no knowledge of any balance due. I have spoken to XXXX Bank and we do not agree on the situation. I paid my balance in full as far as I knew. I did not receive any notices of any kind from XXXX. After speaking to customer service there is no agreement to anything. They did not have a correct address and I never received an email. I would not have ignored a {$19.00} charge if I had been aware of it. I had paid the balance in full to my knowledge. NO XXXX listens.
I have sold bitcoin that I had on Coinbase. They immediately notified me that the money has been transferred via a wire to my XXXX bank account. This was in XX/XX/2017. I  waited a few days before contacting them when the money never showed. It took them about 10 days to send a template response saying transaction has been complete and I was wired the money. Never received it till now. They now stopped responding my request for resolution all together. Very shady to fraudulent operation. They owe me {$1900.00}.
Received correspondence from Tate & Kirlin Associates to collect a debt for XXXX. 
I informed XXXX to terminate the services because the security service never worked because of the internet connection. Previously I made several calls to XXXX requesting the service be repaired or terminated because of bad services. I wasn't in a contract when I requested the services be terminated. This debt was previously with XXXX XXXX XXXX. I also informed them I didn't owe the debt.
I HAVE HAD A VISA MERRILL + CREDIT CARD FOR MANY YEARS. 
I CALLED AND WROTE THE BANK OF AMERICA AND MERRILL LYNCH THAT THE CARD WAS NOT WORKING.. THEY INFORMED ME THAT THEY HAD CLOSED THE ACCOUNT AND INDICATED THAT IT COULD NOT BE REOPENED. THEY NEVER GAVE ME A REASON FOR THE CANCELLATION. THE CARD EXPIRATION WAS XX/XX/2018. I HAVE OVER XXXX REWARD POINTS WITH THIS CARD WHICH THEY CONFISCATED. I ASKED THAT THEY AT LEAST HONOR THE OVER XXXX REWARD POINTS, WHICH THEY DENIED TO DO. THIS IS UNFAIR AND TOTALLY OUT OF PLACE! I DID NOT HAVE ANY IDEA THAT THEY UNILATERALLY HAD CLOSED THE ACCOUNT WITHOUT EVEN NOTIFYING ME AND APROPIATED MY REWARD POINTS. MERRILL LYNCH SENT ME A LETTER INDICATING " A REVIEW OF YOUR ACCOUNT INDICATES THAT THE ACCOUNT ON XX/XX/2016, BASED ON THE TERMS AND CONDITIONS OF YOUR POINTS PROGRAM, TO PARTICIPATE IN THE PROGRAM YOU MUST MAINTAIN AN OPEN ACCOUNT AND HAVE CHARGING PRIVILEGES ''. WELL, THEN WHY DID THEY CLOSE THE ACCOUNT IN THE FIRST PLACE?
Back in the mont of XXXX I received a collection letter from I.C. System giving me 30 days to respond or they would assume that the debt was mine. Prior to them sending me that letter I had no recollection of said account. I wrote to them within the time frame advising this debt was not a debt made by me. I will enclose a copy of the signed certified mail with receipt by the one of the company 's responsible parties. After receiving my written response to the collection letter they still insisted on putting this debt on my credit report, it appeared on my credit report this month on XX/XX/2018. Today I called and when the caller got on the phone she advised me that the call would be monitored, I advised her I was recording my call as well she said that she was not cool with it and she hung up. I called back and got XXXX XXXX on the phone and advised her of the same thing, and she said that she was fine with that so we continued the conversation. I asked her why after I had written contact with them did they still after only 6 days put that derogatory account on my credit reports? She stated she didn't have anything showing that I had written in and I advised her that I had a copy of someone's signature. She then said that their company didn't have any original documentation of proof in their office I would have to contact XXXX directly. I then asked her after receiving the letter why didn't you guys put a temporary hold on this account before just rushing to send it over to the credit bureau. She then stated once more that there was no contact made by me or a letter sent. She started being very rude and told me they don't handle disputes they don't verify information that is all something that the original creditor does. I asked her well if you guys can't verify it then why just put it on someone's credit file. She told me " Look, as I told you before you don't need to be calling my company what you need to be doing is calling XXXX '' We are not the ones that you need to speaking to, you need to be speaking to them and then she hung up. I also contacted XXXX and they told me that I needed to know some password, which I don't know because I didn't make the account. after talking with her she just directed me to contact the collection agency.
CHASE took over servicing my mortgage loan from XXXX in XXXX 2015. I originally set up the drafting of my payment for the XXXX of the month when I refinanced with XXXX, authorized by me on XXXX of XXXX 's loan closing papers. There were no problems with XXXX servicing of my loan. When CHASE took over in XXXX 2015, it drafted my payment on the XXXX of XXXX and XXXX ; and, according to CHASE, this was done based on XXXX records that CHASE had. I asked CHASE if it was looking at the document I executed as part of my loan closing papers ; and, CHASE said no, that it was looking at XXXX account record of drafts. I believe that XXXX is a " secondary bank, '' ( similar to federal credit unions ) and that in order for it to receive my payment on the XXXX or thereafter, it would draft it on the XXXX of the month - which would not be get to my bank to be deducted until no earlier than the XXXX. CHASE is not a " secondary bank '' and when it drafts the funds on the XXXX ; it is taken from my account on the XXXX, same day. This is significant because my pension hits on the XXXX of every month ; and, the funds to make the mortgage payment are not in my account until then - so it bounced the last two months. CHASE admitted it is not looking at the document ( actual or copy ) that I executed ; only XXXX account history. I have spent many hours on the phone with CHASE and XXXX XXXX ( my bank ) in conference calls and CHASE has yet to get it correct. Now CHASE says it " can not '' draft the funds from my account unless I sign one of its forms and submit to them. I asked them then how is it that CHASE drafted the payments from my account in XXXX and XXXX ; to which they did not have an answer. I now have to make my payment via phone every month because CHASE refuses to honor the original documentation they say they do n't have from XXXX. Gee, what documents does CHASE have regarding my loan? I am totally frustrated with CHASE and its refusal to get it corrected, putting the burden on me to fix it. CHASE and XXXX XXXX have removed all fees regarding this snafu because both banks acknowledge the errors were not my fault. Yet I still have had to spend hours on the phone explaining the same situation to more than XXXX people ; and, I still have to make the payments via phone every month from now on because CHASE refuses to honor the original document I executed. I did not switch services ; XXXX and CHASE did and I am paying the price. Please help! 
P.S. Prior to CHASE taking over my loan servicing, it never asked or told me that I would have to execute any new document attributable to its taking over servicing XXXX mortgages.
I was affected by the data breach and my information was compromised. I also had a mixed file. I have taken the additional steps an placed a fraud alert on my reports. I have disputed this information with all 3 bureaus and the information has been removed from the other 2. I never applied for credit with these companies nor did I authorize any to pull my credit.