WillisBack/dataset-financial-user-claim huggingface dataset:
Illinois collection services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX Has called my place of Employment. This company illegally contacted my employment. I never received a call on my personal phone or had any mail sent to my home. I never had a chance to dispute or had written notification of this debt. I have witnesses who received call at my employment and took messages, this is the only way I was able to get a phone number of XXXX and a name of XXXX XXXX. I called and verbally informed her to not call my employer again as I have been warned and fired for personal calls. asked this service agent to send verification of debt to thru postal mail.
XX/XX/XXXX I was informed that I owed a balance of {$150.00} to Southwest Credit Systems L.P. in regards to a debt owed to XXXX XXXX. I had closed the account with XXXX XX/XX/XXXX with all balances paid. I requested that Southwest and XXXX provide verification of the debt and any fees added to the balance, but both companies have failed to respond in a timely manner. I submitted my first request for verification XX/XX/XXXX with follow-up letters XX/XX/XXXX and XX/XX/XXXX. I spoke to a XXXX agent via online chat and they informed me that I owed the debt, but could not provide verification of the debt.
This is a complaint against CITICARDS CBNA. I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity thef
I bought 2 mattresses with the cover from XXXX XXXX in XX/XX/2017. They offered me to finance and breakdown my payments twice every month. They didn't tell me anything about the finance company or their interest rate or any terms and condition. After I gave them my bank information they cut {$40.00} bucks from my account which they didn't tell me about. When i called the credit company they said it was for the application fee. Because of that my account was overdraft and I had to pay extra XXXX dollar for it. I also return one of the mattress box back. They supposed to give me the credit for it which i never got. Also i wanted to return one of the mattress cover. But they refused to take it because they can not mess up their inventory. I contacted the customer service of mattress house they asked me to contact the area manager. But after i called him, he never answer the phone or replied to voice mail. however, my concern is now that I already paid more then what I borrow from the credit company. But still they show that I have payments to make because after the no interest time they charged me for the interest. Which they never told me about or I could see how much they are charging me. I have contacted to them many time but they are always denied me. I couldn't even see how much i paid so far. After a long time calling them over and over they fixed me a account so that I could see my account activities. I borrowed {$1300.00} dollars from them. I already paid {$1600.00} till today. They still saying i have {$410.00} dollar left to pay. This is too much for a mattress to begin with and does not make any sense to pay triple for a mattress. Which is also not a good quality or helping me in my need. I can't even return it because they are not willing to take it. Even though the receipt said I can return it in one year or so.
This Debt Collectors ( STATE HOME MORTGAGE ) Attorney XXXX & XXXX, went to the Courthouse Steps and Foreclosed upon property that they did not verify nor validate, and allowed, a third party purchaser to buy something that was Rescinded on XX/XX/XXXX, and they purportedly sold the property in XX/XX/XXXX. They did not have any standing to do that because the transaction was rescinded. They only ignored it and then the THIRD PARTY DEBT COLLECTOR ( STATE HOME MORTGAGE ), sent communication stating that the Property was paid for. The Attorney ( XXXX XXXX XXXX ) sent an acknowledgment, waiver and release agreement for {$22.00}, XXXX to release them from being responsible for their error. They should never had gone to the Courthouse Steps and become the beneficiary of my Estate ( XXXX XXXX XXXX XXXX ), I never gave them permission to do any of that.!!!!!!!
I have an option ARM loan with Chase ( formerly WAMu ) which negatively amortized and added over XXXX to my loan. I believe that this mortgage was a subprime predatory loan, but have received no help from chase or HARP. My husband and I applied multiple times for modifications and were continuously denied. In an effort to move forward, my husband and I filed for a repayment plan in which we agreed to pay double monthly payments to become current on the loan. Throughout this process, we have been harassed by chase numerous times, sending us notices that they were going to foreclose or that our loan was in default. We have now paid XXXX/month for ten months, our last payment being due XXXX XXXX, and was paid electronically on XXXX XXXX. I received a notice today on XXXX XXXX, ( which was dated XXXX XXXX ), stating that they did not receive our XXXX payment and that our loan is in default. They are also attempting to charge us a XXXX late fee and XXXX in " OTHER FEES and ADVANCES ''. ( See attached ) We have also gotten notices taped to our door on XXXX different occasions ( XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX XXXX ) stating that the house is unoccupied, when it clearly is not. ( see attached ). I called the vendor who taped the notice to our door to find out why they are stating that the home is vacant. The woman I spoke with told me she can not give me the name of the person or company who taped this notice to my house because it 's confidential. This makes no sense. The house was clearly lived in, the walkway was shoveled, and you can see inside the house from the windows. It was blatantly obvious that the house was NOT abandoned. This is clearly harrassment! We are paying bills that legally I do n't believe we owe, and still being harassed as if Chase wants to foreclose on us. We have been buried in debt since XXXX, and have been working on getting out of debt since then. Neither chase! nor HARP has done anything to assist us, but the government bailed out Washington mutual who started this fiasco. This makes no sense at all.
I have a Rushcard and as of today I still do not have access to my funds. I have called numerous times and have been given false information. On XXXX occasions, I was told my card would be unblocked in XXXX hours. I was also given conflicting stories by customer service agents and put on hold for long periods of time or hung up on.
I have been attempting to modify my loan. In XXXX and XXXX, after months of Suntrust losing my submitted documents or rejecting for numerous reasons, I was denied a modification of my loan in XXXX, XXXX ( which stands at 6 % ). I had fallen behind XXXX payments earlier in the life of the loan but ALWAYS paid my scheduled payment as agreed. I was just XXXX months behind. I asked and begged for those XXXX payments to be put at the end of my loan. I asked and begged for a lower rate and new terms ... denied. All they offered me was a repayment plan whereby they took what I owed, divided it by XXXX, and that would then allow me to " catch up ''. Problem is, and I explained this to them, is that this loan is an interest only loan which is due to TRIPLE my monthly payments this coming XXXX XXXX, XXXX. They were uncaring to say the least. 
Fast forward to today, XXXX XXXX, XXXX. I just tried to initiate another modification process ( this time the loan is not delinquent as I paid the XXXX months that I was behind in XXXX/XXXX of XXXX ). I was told by the home retention department that the refinance department had to help. I was told by the refinance department that the home retention department had to help me. 
I can already see where this is heading. I 'm solidly back at square XXXX with this company. The representative at the home retention department was n't even sure if they could help me since I 'm not behind on my mortgage.
On XXXX/XXXX/2016 at XXXX MST, a credit of {$2400.00} was issued to me by XXXX, XXXX, AZ XXXX, Phone number XXXX ( XXXX Invoice and credit card receipt attached ). The refund credit was made to Citibank VISA Signature Credit Card XXXX. Citibank customer service, on several occasion since XXXX, has stated that this credit card account does not exist in spite of the fact that I have the credit card in my possession with my picture on it ( copy attached ) and an email from Citibank dated XXXX XXXX, 2016 at XXXX MDT that states the card is activated and ready to use effective XXXX XXXX, 2016 ( copy attached ). 

Citibank ( via their customer service number XXXX ), has stated that there is nothing Citibank can do about this issue because the credit card account stated above does not exist at Citibank. They have also stated that any refund transaction coming in from anywhere would be rejected immediately because the credit card account does not exist at Citibank. 

I have contacted the XXXX accounting department ( XXXX at XXXX ) and waited the requisite 72 hours for the transaction to be rejected by Citibank ( XXXX stated rules ). As of XXXX XXXX, 2016, XXXX states that the transaction did go through and was processed and so there is nothing XXXX can do about my refund credit in spite of the fact they now have the returned merchandise ( and other merchandise that I never received ) in their possession. XXXX has stated that the XXXX XXXX XXXX XXXX batch number containing the refund transition is XXXX and that the transaction reference number is XXXX. The batch and reference numbers were given to me verbally by XXXX, but repeated back to her to ensure that I recorded the numbers correctly. 

So the problem is this : I am now out {$2400.00} and neither ( 1 ) Citibank who states my account does not exist nor ( 2 ) XXXX XXXX XXXX XXXX who states the transaction, in fact, did go through to Citibank, will do anything about this issue. 

Can you please investigate and get either Citibank or XXXX XXXX XXXX XXXX to send me a valid refund check in the amount of {$2400.00}. 

I am trying CFPB before proceeding with other legal remedies available to me.
Navient is my Student Loan Servicer. Every month during 2016, and possibly before, my payment owed was displayed on Navients webportal. The total was XXXX and some change. Each month I would pay that exact amount ( on time ) without a second thought. It wasnt until I saw my principal balance increase by several thousand that something was amiss. I called customer service and they shared that I should have been paying more due to my loan at some point being restructured. I tried explaining that the amount due that was displayed on the web portal was the XXXX, but they said its my responsibility to know how much Im really supposed to pay! ( ( (???? ) ) ) Because I wasnt paying the actual amount due ( which I still am unaware of to this day ), the remaining difference was placed back on my loan and interest compounded. 

This response makes absolutely no sense. If my payment changed, it should be reflected.
Between XXXX and XXXX, a data breach at Equifax caused my personally identifiable information to be exposed to criminals, including name, date of birth, social security number, address and possibly my driver 's license number. This is not only the information used by lenders, employers, social service providers ( HUD housing, SNAP, etc. ) to verify my identity, but also the exact information required by Equifax in order to request a credit freeze and presumably take other actions regarding data in my credit report. Equifax has not only exposed my identity, but the only ways I have to verify myself to them in order to protect myself. I am very lucky that I had the tools and knowledge to place a credit freeze myself quickly, hopefully Equifax will require additional information from anyone who might contact them claiming to be me to ask for a new PIN to unfreeze my credit.
Navient has continuously muddied the water on interest rates as well as repayment options and the interest is sky high making it impossible to stay on track and actually pay back my loans.
My car was stolen XXXX XXXX 2014. The corresponding police report number is XXXX. I was issued few tickets between the time the car was under the possession of the thief. XXXX IL also issued me tickets within that time frame. I explained the situation to them several times and also mailed and faxed the copies of police report to prove I am not liable for the tickets. They still went ahead and referred the ticket to a collection agency. I then contacted the collection agency and explained the situation to them and provided copies of police report. However, they still went ahead and put the ticket on my credit report causing it to drop by a XXXX points almost. This adverse account on my credit is totally unfair. Other tickets issued by other agencies were removed once I provided the proper documentation. I was not liable for this ticket in the first place. I was instructed by the police to provide a copy of the police report to any agencies the issued me any violations to get them removed.
I've been disputing a specific account " XXXX XXXX " with Transunion for some time now. I've requested their Method of Verification since XX/XX/2015. I've sent over 5 certified letters regarding this collection as well as the original creditor. 

XXXX XXXX, the collection agency, has failed to provide any documentation showing this account belong to me. In addition, Transunion states they continue to 'verify ' this information. I've requested how were they verifying and was told over the phone from a representative that they verify electronically. How is that so? And what does that have to do with the FCRA 609 ( a ) ( 1 ) ( A )? You must provide me with physical proof, which is the original signed consumer contract with my signature on it for this account. That's your job as a credit bureau to obtain this from the collection agency.

Moving forward, I've reached out to the original creditor as well and sent them numerous FCRA 623 certified letters.. To begin with, they have NO WEBSITE, ARE NOT XXXX   ACCREDITED, AND DO NOT RESPOND TO PHONE CALLS ... HOW ARE YOU GUYS VERIFYING THIS ACCOUNT THEN?! I don't even know who these people are, however, what I do know is that every business and reporting entity should be able to be found on the internet! " XXXX XXXX   XXXX XXXX, XXXX '' is not an established entity who can provide any documentation as to who they are or how they have my information. 

I have informed Transunion about THIS AS WELL, and have investigated repeatedly as I currently am, and they refuse to give me a PROMPT response with required documentation. However, they continue to report this account while failing to provide any method or form of verification. ILLEGAL!
It says the first loan was opened in XX/XX/2014 and i started college in XX/XX/2014. I did not personally sign up for my loans to be paid off right now and anything against that was not acknowledged by me. My credit report also has two more loans for the three years that I attended my first school. I now am transferring to another university and the school I am transferring to has my application. I have not  graduated college yet and am not sure as to why I have these delinquencies on my account. It is just not right, I have no way of paying for this at XXXX years of age while still in college.
The Discover headquarters is the XXXX address you have listed, but your complaint does not fall under the jurisdiction of the XXXX   Police Department.  Here is a link to the Consumer Financial Protection Bureau, a U.S. Government agency.  You can make a complaint on this page.

  https://www.consumerfinance.gov/


XXXX XXXX XXXX
Chief of Police
XXXX XXXX XXXX XXXX XXXX XXXX
Office   XXXX ext XXXX  
Dispatch XXXX

On XXXX,XX/XX/2017 at XXXX XXXX, XXXX   wrote:

    To whom it may concern:

    Discover Card has now (and for going on 3 months!) owed me over $1,400.00 and they will not return it to me...they sent me a check for XXXX!

    It is very hard to find out exactly where Discover's headquarters are.  Calling them is like sticking pins in your eyes!  They took my money (refundable deposit) out of my bank and in less than 2 days!  But now going on 3 months later, and they do not want to give it back!  I am considering this THEFT and PERSONAL INJURY!  I want to FILE a POLICE REPORT and SUE DISCOVER.

    ONLY because of DISCOVER I have been having trouble paying my rent and bills and scraping up enough money to eat!  I am XXXX and have been on SSDI and for now going on XXXX  years.  I am a former XXXX XXXX  and I have served overseas.  4 months ago I moved back to the states and that was after living with my wife for XXXX years in XXXX XXXX.  I asked one of your state's US Congress people for help...a big waste of time, of course!  If you don't want to help, then do you think that your GOVERNOR will?

    The best addresses I can find are:

    Discover Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

    Discover Financial Services
    XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

    My contact information:

    Omited

    Thank you for taking the time to review this and for any assistance that you can provide.

    Kindest regards,

    Omited / Replaced with:
Sick and tired of all of this Political Correctness NONSENSE and basically AMERICA nowadays in general.  Don't ask for help with anything.  [They] only care about protecting the wealthy and powerful crooks out there.  Not enough PRISONS in America.  Bring back the ELECTRIC CHAIR and let's start having Saturday Night Live with Old XXXX.  I can't wait to move back to XXXX...at least they aren't such cowards there, and their only form of Execution is still HANGING.
On XXXX/XXXX/16 approx XXXX, I went to a PNC ATM XXXX XXXX ) inside of a convenience store. The store is located at XXXX XXXX XXXX, XXXX XXXX, PA. I attempted to withdraw {$260.00} from my checking account. I could hear the machine counting the money to dispense, but the door never opened and I never got my money. I stood there for a few minutes, then spoke with the cashier of the store. He stated that service technicians had been in several times that week to service the ATM because it was having issues. I filed a dispute with the bank and was given a provisional credit to my account. The credit was later reversed and they determined that my claim was invalid. They said that the money was dispensed. I filed a second dispute after the credit was reversed and was denied a second time.
There is a judgment against me from Citi Bank. This credit card did not belong to me. I never filled out an application for this card. I never had a credit card from this company with my name on it. I have contacted the collection agency for this account over 30 days ago and the collection agency states they still do not have a no response from Citi Bank. I contacted Citi Bank and they would give me absolutely no information and kept telling me to contact the collection agency again. Citi bank also told me over a week ago someone from their legal team would contact me. No one from Their legal department has contacted me. When I was married my ex husband had a Citi Bank card but I was never even an authorized user. I am not sure how his debt got put in my name. This judgement was placed on me without any notification. I was never served any court documents. This account dosent show on my credit report at all as being delinquent. Just out of no where a judgement was placed against me.
In XXXX XXXX I refinance XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I refinanced thru a different Credit Union. I emailed and called to cancellation of my Gap Insurance for a refund. I am still awaiting my cancellation form to cancel for my refund. I cancel my XXXX refinance and Fleet Finance agree to cancel but have yet to send XXXX XXXX XXXX it money back for cancellation.
Going over my credit report, I have found it contains many errors. I request your investigation of the following " personal information ''. For the record : 1. My name is XXXX XXXX XXXX. Please remove all other name variations IMMEDIATELY they are not accurate! 
2. My current address is : XXXX XXXX XXXX, XXXX, FL XXXX Please remove all other addresses IMMEDIATELY they are not accurate!
Unauthorized hard inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.
On XXXX XXXX my Husband and I gave {$2700.00} Dollar as earnest moneyto purchase a new house. Property price {$400000.00}. Lot Premium {$18000.00}. 
we wanted a Va loan.Va allow you {$410.00} we stated several time that wewould like to pay any thing over XXXX along with our up grade out ofpocket. our upgrade came to {$48000.00}. we gave {$5400.00} at the show room. 
we were told that we would close on XXXX XXXX that did happen. we were homeless for XXXX days calling every day we had to put our things in storage and stay in hotel costing us more money. after being with out home and no place to go now the docs are ready .we go to sign the docs and that our loan has been finance for XXXX this is after they had me to wire escrow {$70000.00}.
XX/XX/XXXX called to file a claim on a transaction that had been previously file that ( j.p.morgan chase )  said to contact the company involved, which I did and received an email with the partial credit for the transaction. The operator ( XXXX ) number not properly give that of XXXX and XXXX wether first or last name not given. One was untruthful and saying multiple statements, most disturbing the claims Dept. or ( j.p.morgan chase ) does not receive emails. After hearing multiple untruths I used profound profane verbage to release the frustration of being blatantly untruthful to!!!!!!!!! MULTIPLE TIMES AS A banking client untruthed too. Their was no threats made but very correct and harsh critcism of the operators unprofessionalism, untruthfulness, and incorrectness!!!!!!!! I have contact the CFPB before on the incorrectness of ( j.p.morgan chase ).
My husband and I are trying to get the mortgage company to endorse and return our insurance claim check on damage that was done on the roof and interior of our house. I faxed them the invoices on repair and payments made to the contractors. They said that unless they get invoices showing that everything has been paid in full they will not release the check. They keep changing requirements for us to get the check back every time we talk with them. I have one invoice that still shows {$2500.00} owed to XXXX XXXX with XXXX XXXX XXXX XXXX ( XXXX ) XXXX. We paid him but never got a receipt stating paid in full. I have been unable to get an invoice showing paid in full. Where I am confused is the insurance check is supposed to be what pays the contractor. If the mortgage company is holding the insurance check hostage how are individuals supposed to pay their contractors? I am sure that not all individuals have money in their savings to pay large sums of money owed to their contractors. I have suggested that Loancare call the contractor if they doubt payment was made. I just would like to get reimbursed for what we took out of our savings account to pay both our contractors on amounts not paid by the insurance company and from the check Loancare in holding and will not give to us in the amount of approximately {$3600.00}. We only owe a little over {$100000.00} on our loan. The house is valued at over {$400000.00}. We have never missed or been late on a payment. This is very frustrating. We have gone through 2 house inspections to verify work was completed ( 95 % ). Work that was not completed was some minor repairs that was not reimbursed by our insurance company. We plan on doing those repairs on our own dime this summer. XXXX determined that what our contractor was charging was over what they thought the work should have cost. Loan # is XXXX with XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) XXXX You have permission to share our experience as long as our personal info is removed so we do not have a problem with identity theft.