WillisBack/dataset-financial-user-claim huggingface dataset:
I have submitted a complaint against Citibank for an identity theft a few years ago. The bank has done nothing at all, but the cost to me is about {$40000.00} now. I am sure that XXXX rules were violated by the bank and have written this to them on this website, but I have no response. What more should I do?
I responded to a XXXX % APY, 12 month, offer from capital one by cashing a couple of Checks they had mailed me. The transfer fee amounted to {$210.00} or 3 % of the amount the checks were written for. By the end of the first month in the loan they charged my linked checking account the entire loan amount plus transfer fee. The reason being that autopay was set incorrectly to " pay monthly balance ''. I tried plead with them unsuccessfully. One manager offered to reimburse half the fee. I did not agree.
Gatestone Collection agency called my friend and my adult daughter and disclosed they were calling to collect a debt from me. They told them to have me contact them at XXXX ext XXXX about my debt.
for many years I have had my Discover cash back linked to my XXXX account allowing me pay for my XXXX purchases with my Discover cash back. A few days ago Discover disconnected my Discover cash back from my XXXX account taking away my ability tto pay for my XXXX purchases with Discover cash back. I call Discover asked why? Discover told me because I had refused to give them the ability to sell my personal data to third parties they were removing my Discover cash back link from XXXX. NOTHING in my Discover credit agreement allows for Discover to withhold contracted priviledges afforded any other Discover card holder nor is there any EXTORATION if the dedtor refused to allow personal information to be sold to third parties - yes EXTORATION!
Upon checking my credit report at XXXX, I detected that " XXXX '' cable/cellular imposed on me charge on amount {$2300.00}. I state, that, I never used " XXXX '' services cable/cellular. It is apparent to me that my identity was compromised by fraudulent activities.
I think this is about an old Target Credit Card Debt that is too old that the Statute of Limitations has run out on. These people keep calling and leaving messages on m son 's phone and this is the third time they have threatened me. I wrote a letter to Target to quit trying to collect long ago, so this is a clear violation of the Fair Debt Collection Practices Act. I have complained bout this before but they have never been punished. The following is an exact transcript of the message they left on the phone with the case no. and return phone number. 

" This message is for XXXX XXXX XXXX Case number is XXXX. My name is XXXX XXXX with the Central Processing Office. I 'm contacting you in reference to a complaint registered against you. You will need to contact the firm handling your case XXXX. Now, XXXX, if there is no response, the firm will be forced to make a decision on your case without your consent. Please keep in mind this is a time sensitive matter that requires immediate attention. Once again, that telephone number is XXXX ''.
In the past year my loan was paid off, I requested my original promissory note and loan agreement to be sent to me. I was told that this was not possible and they did not have to disclose that information to me.
My credit report claims I opened a " Authorized Revolving Account on a FLEXIBLE SPENDING CREDIT CARD '' from XXXX XXXX XX/XX/XXXX and that {$25000.00} was spent on it between XX/XX/XXXX-XX/XX/XXXX which I had never put in for nor even heard of until I seen it on my report today. I do n't have a clue as to who opened this account nor where it got sent too, used at, etc. and would like a full report on this ASAP
I XXXX XXXX have been requesting and writing for the proof of judgment concerning the debt that I 've been paying for the past year and eight months stating that this debt belongs to me. In XXXX and XXXX of 2015 I have been in contact with your office requesting said judgment with the understanding that the judgment would be sent and I have yet to hear anything from your office concerning this matter. I checked my credit report and the debt was not on the report so how can i be in debt and paying something i have no knowledge of or any proof. Therefore, I am now requesting that my money be refunded in full back to me within 10 business days of receipt of this letter. If this office does not refund my money I will be forced to file a complaint with the Customer Financial Protection Bureau and the Attorney General Office.
There is an account from XXXX XXXX on my credit report and this account does NOT belong to me. I have NEVER been to the physician. I tried to dispute this through XXXX XXXX, XXXX  and XXXX and all I got back was a response that stated the information is accurate and belonged to me. I requested verification from this physician where I actually signed agreeing to payment and/or being responsible for this account, I received no verification.
Experian continues to report 2 bankruptcies on my credit file both are showing as a Chapter XXXX one filed in XXXX and discharged and then another filed XX/XX/XXXX. Please note the one filed is past the statue of limitations and should not be reporting now and the other is not correct. You can not file a chapter XXXX again for 8 years! There is no way XX/XX/XXXX is accurate! They do not seem to know that the guidelines are for bankruptcy or they would know is this a huge mistake!!!!
On XX/XX/XXXX my cell phone, XXXX XXXX, and checking account, with SunTrust Bank, was hacked. The cash amounts taken from my SunTrust checking account were : {$170.00}, {$250.00}, {$230.00}, {$320.00}, {$320.00}, and {$300.00} totaling {$1600.00}. These unauthorized transactions occurred by the name of XXXX XXXX, who I do not know. This person name was associated with the transactions, according to my checking account. 
I called SunTrust to discuss this matter and was told they had froze my debit card because of suspicious activity noticed in my checking account. I told them I did not authorize any of the transactions mentioned above. 
The Fraud Department of SunTrust performed a 10 day investigation and denied my claim because of " inconsistencies ''. I told them the truth. My cell phone was hacked on XX/XX/XXXX and I didn't have service on my phone for what seemed like 20 to 30 minutes. During that time, my XXXX XXXX  account was hacked which was linked to my checking account with SunTrust. I had to submit rebuttal paper work to SunTrust which included a copy of a text message by XXXX by XXXX, and emails from XXXX XXXX Support acknowledging fraud activity and freezing access to my XXXX XXXX because an unauthorized person had access to my XXXX XXXX   account. SunTrust told me, on XX/XX/XXXX it would be a 45 day process to review this. I really need my money back now. Please help me.
The above property was built by XXXX XXXX in XXXX in XXXX XXXX XXXX XXXX sale was transacted in XXXX XXXX then re-sold to a XXXX owner in XXXX XXXX. After 6 years, sink-holes appeared around the property causing the owner to vacate and foreclosure commenced in XXXX XXXX. 
I unknowingly transacted the XXXX sale of said property in XXXX XXXX. The property was appraised and inspected by XXXX XXXX XXXX and there were no sightings of sink-holes. 7 years later in XXXX, I have encountered the sink-holes appearance at the sides and rear of the property. Listing agent : XXXX XXXX XXXX XXXX, XXXX, Seller : US Bank, National Association as trustee for XXXX Corp, Seller 's Agent : XXXX XXXX failed to disclose this problem before the property was sold. They were the companies involved in listing and preparing property for resale. 
My neighbor next door, XXXX XXXX, XXXX of the first residents to occupy a home in the sub-division, witnessed the dumping of trash on my property during construction and also saw large openings around the perimeter during the residency of the XXXX owner. 
Whoever prepared the property for re-sale was aware of the openings around the property. The seller and/or listing agent had contracted with a company for dirt/soil to be spread around the property to temporarily hide the recession of soil around the perimeter and the impending disaster to an unsuspecting buyer. I understand that my property was sold as-is, however, the seller had knowledge that the property was built on a trash pit and hid this fact by filling the holes and cover with sod. This pertinent information was withheld from the buyer. The seller of the property should be liable for the repair cost which should have been his/her expense in the first place and as such, the buyer was deceived. 
There is an XXXX horizontal hollowness below the slap, the right rear of the building is presently XXXX '' lower and the left rear is XXXX '' lower from the original dimensions ( re-measured on XXXX/XXXX/XXXX ). Kitchen tiles are cracked, kitchen counters are off balance and using the back door is hazardous because one may step out into a sink-hole. Being built on inferior soil has caused the rear right corner of the building to be supported by air ; piers were omitted during construction so gravity is in process on the structure. Decomposing waste is buried under my home! It is affecting the structure and contaminating my health! 
What I was sold is equivalent to a house built on quick sand and I would not have knowingly purchased a house built on quick sand neither on a trash pit. I am a retiree living on fixed income and this expense will cause an increase in my debt. 
This is unfair business practice therefore I need to be reimbursed for the cost of repairs to stabilize this property. 
I kindly appreciate your help.
My wife and I took a financing arrangement from Wells Fargo for roughly {$5000.00} for XXXX in XX/XX/XXXX/XX/XX/XXXX. We discussed various financing options and finally my wife presumably signed up for a 12 month 0 % interest rate. However, I mistakenly assumed that we signed up for a 18 month 0 % card. I was making a monthly payment of {$200.00} above the minimum payment during the 0 % period. While reviewing my XX/XX/XXXX bill I saw an interest payment of ~ {$1500.00} on a balance of {$2800.00}. I immediately called Wells Fargo to discuss the matter and informed them that this was a genuine misunderstanding on my part, I have an excellent credit, never missed a payment and since I was just a day late, they should waive the fees. I even offered to pay the entire outstanding balance of {$2800.00} and close the account. 

Although I do accept that the misunderstanding was my mistake, I acted immediately to rectify the situation. The way that Wells Fargo representatives that I spoke with handled the situation was ridiculous and our multiple discussions have not resulted in any positive closure, but rather a hardening of stance asserting that what Wells Fargo did was moral and ethical. 

Please help!
Working with XXXX asked for an appraisal to remove PMI, they informed me that my PMI is locked in for 30 years? 

Loan Number XXXX Next Payment Due Date XX/XX/XXXX Next Payment Amount {$1900.00} Property Address XXXX XXXX XXXX XXXX, FL XXXX Loan Type FHA RESIDENTIAL Original Principal Balance {$270000.00} Origination Date XX/XX/XXXX Original Term 360 months Current Principal Balance {$260000.00} Loan Maturity Date XX/XX/XXXX Remaining Term 326 months
Hello, my name is XXXX XXXX. Beginning around XXXX till around the middle XXXX was having a serious of mail theft on and off which had gone unnoticed by my family until creditors began to contact us regarding late payments and overdue statements. We promptly contacted the Police and the USPS and filed complaints and criminal reports and promptly paid off all overdue accounts and supplied the creditors all with our Police Report number given to us by the USPS XXXX XXXX. This case is filed under XXXX XXXX. The XXXX and only creditor which has been giving me a hard time and refusing to refund my fees and correct the late reporting on my credit reports is CHASE. Even the initial representative informed me that in the case of mail theft all fees would be reversed and all late reporting would be changed to current and on time. They are refusing to reverse some fees that had incurred last year from XXXX till about XXXX and the refuse to correct the delinquent past due status from my XXXX and XXXX credit reports from 2015. This is not fair an every unprofessional. I feel like I went through XXXX and back since last year and Chase is not complying with state and company laws and understanding that we were not receiving statements and payment were being mad blindly at the branch according to what the tellers were saying to us. I am very traditional and can not access online statements an such without my children and they are away at college and this company made me feel so distressed and I was in disbelief at how every time i escalated this situation i was being shot down and told NO. I am a great customer, I have never had missed payments before this unfortunate incident. I bank and save with Chase and i was paled at their lack of graciousness or professionalism. Many many times they made me cry and yet they had no heart or curtesy to correct that which was in their jurisdiction to correct. I would like an investigation into their REFUSAL to follow the law and their own optics and even the states policy on mail theft and creditors. I have attached my apology letter that the USPS informed me to give to Chase and all of my other creditors and i gave attached it to this complaint along with my ID and Social Security number. This letter contains my postal police 's case number on it. Which can help verify my situation. Please force this awful and aggressive company to follow the law and not treat its own customers like suspects and understand that things happen and they are responsible to help customers not hurt them.
XXXX is trying to collect on Student loans after XXXX and XXXX XXXX has been granted. I continue to receive harassment by phone calls. I believe that this violates the Consumer Financial Protection Bureau settlement with Navient. 

Notification to the lenders was provided in 2014 by my XXXX Attorney with a copy of the XXXX determination by a Federal Judge. 

I am permanently XXXX and receive only XXXX XXXX XXXX Benefits and XXXX Healthcare. 

Accounts with inaccurate reporting are : XXXX reported as late XXXX balance {$5900.00} XXXX reported as late XXXX balance {$2900.00}
Hello, Honor Finance is absolutely NOT permitted to call my work, and I have sent that in writing several times as well as expressed that via telephone. I received a call on XX/XX/2016 at XXXX regarding my car loan where the caller used deceptive practices to be transferred to my classroom during school hours. The receptionist thought she was a parent because of how the caller presented herself and the nature of her call.
This account has been disputed in the past. This account was never late in XXXX. Also, the account balance appears to be updated in XXXX. The account itself was allegedly transferred/sold long before XXXX ( estimated XXXX ).
I received an alert XX/XX/XXXX that a collection item was put on my credit report. I pulled my report from the reporting agency that sent the alert, and it was XXXX XXXX. I have not received any letters certified or otherwise, an itemized bill showing that I owe this debt. This company just took it upon themselves to report this information on my credit report without allowing me to dispute it. There was a lie placed on my report stating that the debt was opened on XXXX credit report XX/XX/XXXX. I didn't have service with XXXX in XX/XX/XXXX. I didn't have any collections on my account from this company. I check my credit report all the time. This collection item has brought my score down, and has held me back from taking care of repairs on my home. Also, I've been receiving calls from a number that I am not familiar with. When I call the number back, there is a recording stating that the number is unknown. In the past, the collection agencies use these numbers to call consumers. I've never talk to this company before, so I haven't given out my number.
About three months ago XXXX XXXX XXXX called me and stated that I owed them a balance on this Credit Card for XXXX XXXX XXXX. I stated that I dont have an account with this company. He asked me questions about the purchased items on the card which were to gaming stores. I told him I have never purchased these items. He then told meet I must have the person. Then about a week ago, another man called me about the same account, he was demanding payment so I went through the whole story again. I requested documents showing this information and sent a statement and a letter. The only thing that I can see is my name, the address is wrong it is stating I live in XXXX, I have never lived in XXXX. The one document that you need to see is the original application, which they did not send.
I am an employee that was affected by the 2015 OPM background investigation breach. I have tried to sign up for credit monitoring services provided by the Government through an agency called XXXX. When I tried to sign up for my account, I was advised by the customer representative that creditor Experian has incorrect information about me in my credit report and that my account can not be opened until this error is fixed. It was not clear to me exactly what this error is, but the customer representative for XXXX mentioned something about my Social Security Number being too similiar to another individual 's. 

I have tried to obtain my free credit report through the official website and also tried calling Experian customer service to resolve this, but they are always telling me to mail them at their address with money enclosed to pay for my credit report. Since I am not responsible for this error, I do not believe I should pay any money to get this resolved.
not sure what the debt is for have n't talked to any XXXX someone named XXXX XXXX is calling my cell phone and family members threatening me and my family members that a citation will be issued and served. he states I can stop the process if I pay restitution. the company he says he is calling from is wise law offices? 
but when return phone calls it goes to a answer machine ph # he leaves is XXXX ex XXXX calls from XXXX
So basically the problem is with the three payments that I made, but they are no longer visible at my bank statement account in U.S Bank. I have rented a car from XXXX at XXXX XXXX at XX/XX/18 and I paid there {$730.00} then at XX/XX/18 I paid another {$460.00} and then at the very end at XXXX XXXX XXXX where I returned a car I paid another {$57.00}, so in total it is {$1200.00} but two days later I have been charged once again with the total of {$1200.00} so my actual bank balance is nearly - {$1200.00}. Like I said right now those three payments are no longer appers, but I'm sure that those payments weren't pending, they were simply made. I contacted XXXX  and they assured me that from their side is everything OK, but I'm not sure ( I have all emails in case of need ). With U.S Bank I did not contact because right now I'm in XXXX and I can't contact them via email and I don't have my US phone number anymore.
I recieved a loan for {$460.00} about five years ago from Advance America. I was contacted by one debt collection agency XX/XX/2016 and paid them {$700.00}. Then XX/XX/2016 I was contacted by a XXXX debt collection agency, XXXX XXXX XXXX. They informed me I had to pay over {$800.00} or I would have a summons sent to me and have to appear in court. I proceeded to pay them because I believed this debt was possible late fees or extra charges. I paid {$840.00} and recieved a reciept via email. However I was contacted by a XXXX debt collection agency saying I have to pay {$700.00} or I 'll have summons sent to me and I 'm very angry and confused as to where over {$1500.00} has gone too because Advance America says in their system I still owe {$460.00}.
Each time i file a complaint with your agency if tip off the people i'm complain n about then they harass me. 

If you can not do your job them send the complaint to the FBI As a XXXX Veteran the company XXXX XXXX XXXX has attempted to extort, defraud and lie.
This is in reference to two complaint file with the CFPB ( Please see attached, I try to submit the notes below via " feedback '' however I kept getting the error message that the page was not found.   Complaints #  XXXX  and  XXXX  Both companies alleged to have sent the results summary was sent to of you for review On  XXXX   XXXX ,   XXXX  , However as of today  XXXX ,   XXXX   I have never received anything from  XXXX  or  XXXX . They have validated the debt with  XXXX  without providing any supporting documents. As listed on the complaint files, my mailing addresss is :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX
Loan was taken out in XXXX for XXXX. I paid on the loan untilXXXX until a divorce in my life caused me to file Bankruptcy the Balance was XXXX at that time. I have all the paper work. My husband at that time and I filed the Bankruptcy. My ex husband was in charge of paying the chapter XXXX in the Divorce. My Ex husband Made payments until XXXX leaving a balance of XXXX. He became sick unable to work and he went back to court to rework the Bankruptcy to a Chapter XXXX, leaving a balance of XXXX. My Ex Husband passed away shortly there after. I received A Notice 12 years later, Telling me they could not find me, and I owed XXXX plus. I hired and Attorney I have all the paper work. Unable to get any where with the Salle Mae. Long story short I have been paying on that loan ever since, I had my tax returns taken, my wages garnished, I am still paying. The loan had be sold many times. I have been paying Navient has had the loan I while I ask for loan forgiveness I am on a fixed income and my LOAN IS NOW XXXX DOLLARS, NAVIENT said more less keep paying. Please HELP me this is a Night Mare that wont end. I have been told they will take my SS and XXXX,. Please Help me. I have no cell phone in my name and I must go to the library to reply to any Emails you might send. I check my mail every other day. I have over 200 pages I came mail. I am unable to send that many on line. 
Thank You for your time. PS : The school for this Loan taken out in XXXX, NO LONGER EXIST ( The name wasn't on your list ) It was " XXXX XXXX XXXX XXXX XXXX ''
I received a call and was not able to answer at the time. The company left a voicemail stating that they are a debt collector and that was the reason for the call. It is a violation of privacy as others heard the voicemail, as well as humiliating for my co-workers heard. It is none of their business and now everyone is aware I have a debt in collections. I have never spoken witht his company previously regarding the debt, ( I assume they just received the account ). There was no attempt to verify my identity before leaving a voicemail that completely violated my private information/debt owed. My complete humiliation could have been avoided if they had left a generic voicemail for me to return the call, then discussed the debt upon my returned call to ensure the chance for me to discuss the matter privately and not publicly.
Loan was service released to GreenTree from XXXX. We requested a payment history of the debt is owed from the time the loan was originated. GreenTree has stated that they do not have to provide the history to support the debt.