WillisBack/dataset-financial-user-claim huggingface dataset:
My Mother had a reverse mortgage with Champion Mortgage. I have always had difficulties getting any response or cooperation with any person in a management position in this company. After her death the heirs followed all the procedures as instructed by Champion Mortgage. We sold the house and was charged a XXXX attorney fee because they said the house was in foreclosure never were we informed that it was at anytime in foreclosure. 
In XXXX we received a mortgage refund made payable to XXXX XXXX XXXX Estate. I notified them that there was no Estate. I was told to return the check along with signed statements from each of the Legal Heirs stating that they were giving permission for the refund check be made payable to me, XXXX XXXX. 
I returned the check along with the required statements via the United States Postal Service. These documents were sent certified mail with a return receipt. I have received my copy of the return receipt that was signed on XXXX XXXX 2015. The Representatives at Champion Mortgage are saying now that they received the check and documents but can not find them. Phone conversations about this matter are now resulting in more lies, broken promises and unreturned phone calls. I still have been unable to speak to a supervisor or any XXXX in a management position. We need this matter resolved asap and the refund due to the legal heirs sent to them. Thank You XXXX XXXX XXXX
To Whom it may concern, On or about XX/XX/XXXX my wife and I were vehicle shopping due to the necessity of a reliable vehicle and were told numerous times that a XXXX XXXX holds it value prior to purchasing this vehicle. I moving forward with this understanding in mind having negative equity of {$3000.00} on a vanXX/XX/XXXX. The XXXX XXXX that was shown on this date which used the most manufacturer rebates was said to and I quote " Eat up was was negative in the vehicle prior '' was the Opportunity of a Life time. This seemed like a great opportunity for a hard working Service member and his family. My wife and I at this time were and still are re-establishing or rebuilding our credit and were told several times that we are taking the opportunity now to get back on track with rebuilding and would be able to refinance this vehicle with a lower payment and lower interest rate. The interest rate that was given was a 12.57 % interest rate and a monthly payment of {$700.00} cents. The total sale price of this vehicle with a down payment of {$910.00} dollars came to {$51000.00} at the very end. I am an understanding citizen that I am and was rebuilding my credit at this time, but this fine print was not understood and sales men tactics were used on a simple XXXX XXXX. I have made several payments on time since this tragic day in XX/XX/XXXX in the amount of {$700.00} each month. I have payed in over {$6000.00} dollars towards this vehicle. I am now {$16000.00} dollars now upside down today XX/XX/XXXX. When I spoke with Capital One on XX/XX/XXXX to refinance the vehicle loan as they originally stated. When no resolution was given. I called and stated that I would have to voluntarily surrender this {$18000.00} thousand dollar appraised vehicle XXXX XXXX according to the dealers. Capitol One assured me that vehicle would be auctioned off and all debt that was left after the sale. I would be still be liable for which is in excess of {$16000.00} dollars. I believe this to be a fraudulent sale. I believe in my opinion sales tactics and customer pressure were heavily applied into this contract and under false pretenses by Capitol One. I am at a loss for this company and how they gave false perceptions to a hard working service member and veteran. I hope my future and financial freedom are still intact after this surprise attack.
I received a letter dated XX/XX/XXXX informing me that an account, # XXXX opened in my name at XXXX XXXX and handled by XXXXXXXX XXXX, was transferred to XXXX XXXX XXXX XXXX XXXX. The account number at MCM is XXXX, and the amount they are seeking to collect is {$170.00}. I have never opened an account at XXXX XXXX. I called the telephone number provided in the collection letter and asked to talk to XXXX XXXX, the gentleman who signed the letter and was told by the person who answered the phone that his name was not familiar to her and she could not contact him or transfer my call to him. At the suggestion of the office of the Attorney General, Commonwealth of Massachusetts, I contacted the credit bureau and learned that an account was opened in my name at XXXX XXXX and handled by XXXXXXXX XXXX. I contacted XXXXXXXX XXXX and learned that an account was opened in XX/XX/XXXX with an address of XXXX XXXX XXXX XXXX, XXXX, MA XXXX. My address since XX/XX/XXXX has been XXXX XXXX XXXX XXXX, XXXX, MA XXXX. I received no invoices for the charges from XXXXXXXX XXXX at my XXXX, MA address. The first indication of an account was the letter I received from XXXX XXXX XXXX XXXX XXXX in XXXX of this year. Upon further investigation I learnt that the account was charged off by XXXX XXXX in XXXX of this year and sold to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX referred the matter to their Fraud Department and I also asked the credit bureaus to place security alerts to my credit files. The Attorney General 's office also suggested filing a report with the Federal Trade Commission which I did. The FTC Report Number is XXXX.
Timeline XX/XX/2018 ( approximately ) On my mobile phone I receive an alert from Discover Card that a balance transfer offer is available to me. I click on a link that opens the Discover Card application on my ( XXXX  ) phone where I see at a glance that a balance transfer offer is available to me on the following terms : 0 % interest for 9 months 3 % transfer fee In reliance on this offer I decide to pay off my Discover Card balance so that I can use the offer to the maximum extent up to my Discover Card credit limit. Using my bank 's mobile banking application I schedule a payment that will cover the balance on my Discover Card. 

XX/XX/2018 ( approximately ) Seeking to initiate a balance transfer I log into the Discover Card application on my mobile phone but I am unable to do so because at this time no offers are available. Apparently the original offer has been revoked, which is surprising to me because in my experience balance transfer offers are generally available for at least 30 days. There is no " alert '' history in the Discover Card app and no indication that the balance transfer had ever been made. 

XX/XX/2018 XXXX XXXX  EST I call the customer service phone number that is printed on the back of my Discover Card and I speak with an agent named XXXX. He says that there is no record of the recent balance transfer offer. XXXX transfers me to a manager who again tells me that she sees no record of any recent balance transfer offers. She says that on occasion Discover will make balance transfer offers that are only available for " one day '' or a " limited time '' but according to the manager, these short term offers are always visible in a customer 's account history. Apparently I am the first person this manager has ever known who received a balance transfer offer that was not logged into account history. I explain to the manager that I am angry because it seems Discover Card induced me to pay off my balance with the offer and once I did, they revoked the offer. The manager offers to log my complaint internally but is unable to offer any other resolution and is not able to provide a confirmation number that will be associated with my complaint. 

For consumers such as myself it is always a challenge to manage cash flow and available credit in a rational way. Discover Card 's apparent practice of offering a balance transfer and then revoking it without a trace is a type of deception that might subject them to civil and/or criminal liability as it has the effect of depriving their customers of the ability to manage their finances rationally.
I have asked IC System Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
I have disputed information as not being mine, or me not having any knowledge of accounts and they are fraudulent, but they do not remove the accounts from my credit file.
Dear Sir/Madam I had sign up with  XXXX  for electricity based on their marketing calls. They had promised me {$600.00} in gift cards for signing up. However, after several months they failed to provide the gift cards. I had called them numerous times and even filed a better business bureau complaint. Finally, I had enough and I cancelled the service after paying every penny for the electricity I had used.  XXXX  then reported my account as delinquent to the credit reporting companies. I had filed complaints with all the  XXXX  credit bureaus to no avail. Apparently  XXXX  is reporting a {$240.00} termination fee as outstanding balance. I was not aware of this bait and switch trick that  XXXX  is engaged in.   XXXX  I request that your good office help me remove this erroneous and fraudulent entry from my credit reports and take strict action against  XXXX  for their fraudulent business practice.   XXXX  Thanks for your help.
I spoke to Navient  XXXX / XXXX / XXXX  because I am currently in a income driven plan for 12 months which ends on  XXXX / XXXX / XXXX . Was calling for an extension. My {$44000.00} taken out in  XXXX  is now {$110000.00}. I currently pay $  XXXX /month. They want to take my payment to {$480.00}, however the current payment is difficult but I am swinging it. There is no way I will be able to pay that and my  Federal Loan is coming due as well. They have no other options for me and was advised if I do not t ake that I will end up having to pay $  XXXX /month.
XXXX purchased my loans from sallie Mae. Now at least 1 to 2 years later we receive a call to start paying on some that they do n't even own any longer. From what I 've read regarding sallie Mae, sadly I think my son and I are in for a misery.
My issue with Nationstar pertains to a 30 day late payment incurred on my mortgage for a missed payment for XXXX 2014. The late was caused by me being defrauded by a man named XXXX XXXX, posing as a licensed mortgage professional to refinance my home, who ended up stealing over {$4000.00} from me. He insisted that I not make my XXXX 2014 payment to Nationstar as the new loan at a 2.99 % 30 year fixed rate was going to close and funds would be on their way ( See attachment ). When Nationstar called me, I let him know that I was going to make the payment ; he insisted that he had later spoken to Nationstar and all had been resolved and a check was on its way to them. Finally when nationstar called me and told me no check was received I quickly made the payment. At that time I became suspicious and started to investigate the matter to find that there was no such refi loan in process I then discovered the individual was a convicted felon who had a history of defrauding people and had his Real Estate license revoked and had a cease and desist order against him from the Dept of Real Estate ( See Exhibit B ) He defrauded me by getting all my bank information and in addition to charging me for loan fees for this non-existent loan, he ended up using my bank account funds fraudulently and ran {$4300.00} worth of fraudulent charges. 

The XXXX XXXX County Deputy District Attorney 's office has also confirmed that XXXX XXXX XXXX has defrauded another XXXX people, for which they DA 's office is taking legal action against him ( see attachment ). As the DA 's office also suggested I also filed a law suit against XXXX XXXX, and got a court ruling against him ( see attachment ) The XXXX XXXX County District Attorney Special Investigations Operations Dept also took legal action against XXXX XXXX XXXX and arrested him. 

I also forwarded Nationstar my XXXX XXXX bank statements which showed that I had over {$35000.00} in my account at the time, which were more than sufficient funds to make the mortgage payment The late payment incurred on my Nationstar loan due to this issue was due to the fact that I was misled and defrauded. Earlier this year I brought this issue with Nationstar to remove the late payment and even sought the help of the CPFB. Nationstar however refused to remove the late payment and in turn to hurt my credit even more than legally permissible put a fresh new late payment on my credit report for XXXX 2014, whereas before this issue was brought up they were only reporting a XXXX 2014 late payment.
There are XXXX ( XXXX ) recent inquiries ( XXXX XXXX XXXX - XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX/XXXX/XXXX ) ; XXXX XXXX - XXXX/XXXX/XXXX ; that were not authorized by me or permissible in accordance with the Fair Credit Reporting Act, Section 604. Despite my attempts to resolve this matter via telephone, I was unable to get assistance.
I have disputed these accounts a few times already asking for validation and Transunion has failed to provide me with the documents they have on file to verify this account. Under the FCRA anything unverified needs to be removed. These accounts also are reporting incorrectly. Payment history is incorrect and Transunion needs to remove these accounts. I have attached file with CIRCLED payment history errors. They go reporting " 0k '' status for a few months then they go late 90,120, 120, 120,120,120,120 ( How can it be 120days late for 7 months straight ) it Then goes to " X '' ( Unknown is NOT proper reporting ) to " Ok '' status then again same late Cycle again. These ca n't possibly be my accounts because I have not made any payments on these accounts so these accounts need to be removed.
I sent the money XXXX dollars from Western Union ( from a store in XXXX with Operator Id XXXX ). They did not pay my money back to my country and the status says paid. They gave me another tracking number for refund. I requested the store for a refund but they denied me to pay since the status is paid for one of those tracking number. I have been a victim of fraudulence since I was not given any reason for the refund and nor their operator knows about it. The store asked me to go to bank for the refund. I had to send money to my country for a very serious reason. I make good enough money as well. Please help me with that.
After reviewing my report I noticed several inaccuracies on my report regarding this account. I have made serial attempts to correct the problem with the creditor and credit bureaus. I requested validation of the debt from the Creditor and the Credit Bureaus. Under the FDCPA and FCRA, this information must be validated upon request. I have made several request for validation of all factual data being reported but the Creditor and Credit a Bureaus have not provided the proper validation which violates my consumer rights.
American Express XXXX preferred credit card offered me a promotional offer of {$150.00} statement credit on {$1000.00} in purchases posted in XXXX months. Also 6 % on supermarkets, 3 % on Gasoline, and 1 % on all other purchases. No where in that promo offer did it mention a {$75.00} annual fee. I even talked to a customer service rep when activating the card and specially asked if there was any hidden charges. She said NO. When my statement showed up with a {$75.00} annual fee I called customer service to complain. Long story but I eventually contacted the supervisor. I asked him when I was told about the annual fee. He actually said " after you applied for your card '' I told him if he did n't wave the annual fee I would cancel the card. That 's when I was threatened with the bad credit report threat. I asked if there was any way to cancel the card without hburting my credit : He said no. I was notified of the annual fee after I submitted that application. What kind of high handed business tactic was that. Please inform me of a way I can cancel my card after paying off the balances. I guess it would be smart to at least take the {$150.00} bucks offer before I cancel. Please let me know how to handle this. I have excellent credit and I dont want to take a hit on this. Real XXXX business I think.
Dear Sir/Madam This is to file a complaint to Citi with regards to my sign-up bonus for Citi Prestige credit card account. The Prestige card is associated with XXXX TYPs after spending XXXX $ within 3 months. I opened my account on XX/XX/XXXX, and continued to use the card for everything I need to meet the requirement for obtaining the sign-up points. I didnt receive the points as expected after I spent over 8000 $ last month. I contacted and chatted with the Citi staff and was told my Prestige card is not associated with a sign-up bonus program, because I closed one Citi credit card one year ago. This is not the exact truth. 
1 ), I never closed any Citi credit card. One of my Citi Divident card was closed by the Citi Company, not by myself. I even called to check what happened because that Divident Citi card is the longest card I owned since XX/XX/XXXX. I want to keep that credit card for ever! 
2 ), The Citi Prestige card has {$450.00} annual fee, while the Citi Divident card has no annual fee. The provision clearly stated the eligibility for the XXXX point sign-up bonus for the Prestige for not closing Citi Prestige, Citi Premier and Citi Preferred cards in last 24 months. There is no word to mention Citi Divident card. 
3 ), Mostly importantly, my application was approved by phone ( not by online application ). I talked with the staff who handled my application, and was told Im no problem to get the sign-up offer after I spent XXXX $ within three months. 

I trusted Citi company as I have been its customer for over 12 years, but what happened to me seems a " trap ''. I chatted with the Citi representative via phone, and the staff only offered me XXXX points for courtesy ; that is not what I want. Without sign-up bonus program, I mostly wo n't apply for this card associated with XXXX $ annual fee, even I need one due to too much travels these recent years. This is my first time to file the complaint. What I need is a fair treatment. This happened but 1 ) it 's the Citi, not myself, who closed my other account without my permission ; 2 ) wrong or unclear advertisement without showing the type of the card involved ; 3 ) customer confirmation already via phone for the sign-up bonus when applying for the card. As a customer, I feel so wrongly treated, so I filed with an expectation to get more attentions for my case, and I need get back my XXXX sign-up points as advertised, before I will keep stay with the Citi in future. 

With best regards ~ XXXX
On  XXXX  I sent a written certified receipt lett er to JH Portfolio Debt Entity req uesting validation of this account showing my signature. They received this on  XXXX   XXXX ,  2017 , I received no response as of today. On  XXXX , I again sent a second written certified receipt letter to  JH Portfolio Debt Entity re questing validation of this account showing my signature. I received no response as of  XXXX . This account is now switched to closed account derogatory on some credit reports, without any validation from their end. It has been 45 days since they received my first correspondence.     Amount :  XXXX   XXXX   XXXX   XXXX
My information was accessed from the Equifax Security Breach. 

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
I have been working on a HAFA short sale with Loan Care for over 90days and I was never able to get through to one of the processors on the file. Every time I called I was told that there was another document that was needed but no one ever called me to request that document. Immediately after I found out what was being requested I submitted it right away. 
Recently on Monday XX/XX/XXXX the property got foreclosed on and the lender refused to try and stop the sale date.
There is a medical debt showing on XXXX XXXX and XXXX from Commonwealth Finance for {$800.00} for services rendered at XXXX XXXX XXXX. I did NOT receive any services from this establishment, nor I have signed any documents stating that I am responsible for any bills for myself or anyone else.
TRIED TO OPEN BANK ACCOUNT AND XXXX SYSTEMS REPORTED THAT MY SOCIAL SECURITY NUMBER COULD N'T BE MINE GIVEN THE SEQUENCE OF NUMBERS WAS AVAILABLE FOR ISSUE IN XX/XX/XXXX IN NY, HOWEVER, I WAS BORN IN XXXX MARYLAND IN XX/XX/XXXX NOT NY.
After reviewing my disclosures provided by my lender of choice XXXX XXXX, I decided to do my own research into choosing a title company and settlement agent to obtain the best offer and rates on services on a new construction home being built by a large National Builder. CalAtlantic Homes. After receiving quotes and offers from different companies I made my choice and provided that information to my lender. The title company that I chose did their due diligence and after reviewing the fine print of my contract noticed I had 10 days from the date of my contract to choose a settlement agent otherwise I had to use the builder 's chosen title company which as you would imagine is,  CalAtlantic Title. The attorney at the title company explained that I likely had no ability to change at this point as he has dealt with the builder before and they will always point to the contract and stand by what 's in it. I reached out to the original sales agent who I signed the contract with and explained my displeasure on not having a choice and that 10 days from contract on a new construction home is unreasonable given that the house will. It be built for months. I also explained that I had done research on read that I can not be forced directly or indirectly to choose any settlement agent. He spoke to " someone '' and advised that unfortunately it was in the contract and that 's what I had to use. This unfortunately creates an advantage to the builders title company to not only have virtually all the business since no one will likely read about the 10 day window but also will allow them to charge whatever fees they like and not have to be competitive as the consumer will have no choice on changing. Also in the contract the builder charges {$200.00} a day of the customer can not close on time yet there is no penalty for the builder if they change a closing date as has already happened twice. I fear their contracts are extremely one sided and give the consumer little choice and power outside of what options to pick for granite and color schemes.
Pinnacle Asset XXXX called me and my employer at least XXXX times each. Trying to collect on a debt that is 20 years old and NOT mine! Saying they are going to garnish my wages. Wo n't give me an address to send a cease and desist letter. Telling my employer they are going to garnish my wages if she does n't give them information on me.