WillisBack/dataset-financial-user-claim huggingface dataset:
I have rescinded this mortgage notified lender and loan servicer by way of mail, 20 days has past since rescission of loan but no response only continue collection activities to harass and oppress. Loan servicer and debt collector Jame B. Nutter continues to collect this debt and ignore my rescission and demands for validation and verification of an alleged debt that they are attempting to collect. 
XXXX XXXX Mortgage XXXX XXXX is no longer in business and is barred from engaging in any activity concerning financial products or services to consumers because of fraudulent activities. 
Debt collector James B. Nutter has violated the Fair Debt Collection Practice Act not just once but several times specifically 15 USC 1692g ( a ). 
Debt Collector James B. Nutter has used and shared private documents publicly without any prior consent or authorization.
XXXX XXXX or XXXX XXXX will not change the status of an account showing to be paid off instead of written off they took the money from my check and for some reason XXXX XXXX, XXXX, and XXXX   will not fix this other then saying they investigated and left it on my report as a negative status, i have the court papers and garnishment papers from my place of employement showing that they received this money also my pay stubs. these credit reporting companies do not care to listen to the consumer it is all about the companies lying to them saying that the status is correct.
I took out student loans with Wells Fargo to help pay for my XXXX degree. After I graduated from school, I " paid off '' both of these loans upfront in full, single payments. Months later I get a notification from Wells Fargo stating that I was delinquent on my student loans. How could I be delinquent on student loans that I just paid off?? Their student loan practices are unethical. They are making money by nickel-and-diming me by using these hidden, unfair payment tactics. I never received any " notifications '' either about the " status '' of my student loans -- Wells Fargo said that they emailed them to me each month ; this is FALSE. I have never received any such notifications from them. They know my current email address, and I have yet to see XXXX single notification from them about my " unpaid '' student loans. This is fraudulent, unethical, and greedy. I borrowed money from this institution and paid it back in full, upfront. No partial payments involved, only complete lump sums. Why is Wells Fargo doing this?? I feel violated and taken advantage of by Wells Fargo. They have completely breached their fiduciary duty as a bank. I will be terminating my account with them tomorrow.
Wells Fargo closed my checking account without warning and for no stated reason. I have a direct deposit coming into the account tomorrow and Wells did not give me sufficient time to change the direct deposit method with my employer. As a result of this action, my access to my funds will be delayed and I will be unable to pay my bills on time causing significant ha rdship,
XXXX XXXX XXXX was asked to remove the negative information for my credit report and my spouse. XXXX refuse went to XXXX in XXXX XXXX, Georgia. Judge determine case was too old and should be removed from ALL bureaus. Sent information about the reports and the bureaus Equifax and XXXX and XXXX XXXX. XXXX XXXX remove the negative XXXX for myself and not my spouse. At this point the information was to be removed based on age of the account not its collection practices that XXXX could not prove. Please ask that this information gets removed. My Social Security Number is XXXX my spouse is XXXX we are trying to clear this up since 2014. XXXX was told too old to report and must be removed from our bureaus. We seek to get this remove as the Judge states on the evidence of the status of age of the account.
This is a direct reflection of me which was not done by me. I was not made aware of the fraud until my current bank advised me my account was closed again without warning due to reporting of fraud by ChexSyste ms &  XXXX . This is p reventing me from communicating with other financial institutions.I 've advised   XXXX   XXXX   XXXX   XXXX  this was done by an ex who had access to all of my information/devices. He also was aware of personal information & passwords. I also filed police reports after the   XXXX   XXXX    XXXX  account closing on him that were not directly related to this issue but the nature is the same. He has a history of doing this to women & I have proof dated prior to me being made aware of the fraud reporting. I told the representative I spoke with I am not interested of filing a new police report months after the fact but I do have reports which show him doing these same thing with my account at another financial institution. I told them I would rather proceed with the information I have since I am no longer involved with this person and filing another report would cause another arrest warrant. Personally I 've been through enough financially, mentally & physically and would like to have this resolved asap.   The investigation was opened  XXXX  with   XXXX   XXXX   XXXX   XXXX  and still has yet to be assigned to  an investigator. My account was not closed with a negative balance and it has been verified that none of the signatures on the mobile deposit checks match eatchother or my signature. I do n't understand what the hold up is. First I was told 14-21 days now I 'm being told 60 days and was hung up on today after requesting to speak with a manager. Whoe ver noted my account from the check fraud department dated today  XXXX  was very rude & gave me general information without taking the time to even look into my file. If she had she would not have mentioned the need to review bank surveillance since they were mobile deposits.
I recently contacted Navient Customer Service on  XXXX   XXXX ,  XXXX  to discuss payment plan options with a customer service agent. I have been paying my  XXXX   XXXX  student loans for 7 years, some of which are serviced by Navient. I have to call once per year to go through a financial statement to assess what my monthly payment will be for the year. In  XXXX  I was provided great assistance by  one  Customer Service agent. She managed to place me in a program for 15 months with an affordable monthly payment and a reduced interest rate. I made the payment every month on time by automatic debit from my checking account with no issues. I had called on  XXXX   XXXX ,  XXXX  to see if I could continue such program, or perhaps get into a different program with similar benefits. I reached a customer service agent who was rude from the outset. It was clear she was not interested in helping me. We started going through my financial statement, and I was candidly answering the questions. When I answered her question as to how much my monthly grocery bill is, she did not like the answer as she believed that it was " too much ''. She asked " is anyone on a special diet ''. In all the years I have been dealing with Navient, I have never been asked the type of personal and inappropriate questions this agent asked of me. She told me she needed to put me on hold so she could research my options. She kept me holding for ove r 20 minutes, then disconnected the call. I called back to reac h the same agent, I was told I was being put through to her. She put me back on hold, and then must have ended the call without even addressing me, because the customer service agent satisfaction recording came on ( which is only played once the call is complete ). On  XXXX   XXXX ,  XXXX , I began receiving email notifications that there were new  Navient Loan Documents available for my review. The customer servi ce agent had clearly been processing unauthorized requests on my behalf without my request or approval because I have documents denying me certain programs ( that I have never applied for ). This customer service agent was clearly trying to harm me and financial state. She asked where I work, which is informatio n Navient has always been privy to. For the first time ever, Navient  is contacting my office without my approval. This kind of behavior, harassment, and unprofessional customer service should not be tolerated.
My wife and I recently lost our jobs - she is back to work and I am actively seeking employment. We have a mortgage of {$660.00} and can pay the principal and interest. Bank of America, has insisted I pay taxes and insurance as part of my mortgage, which is GREATER than my actual payment. They Built on {$820.00} per month in escrow for overpriced insurance and taxes which we can pay separately. I asked Bank of America to let us pay the mortgage of {$660.00} and they refused and told me to short-sell our property. 
We are being strong-armed by Bank of America to sell our house, which we have lived in for 12 years because they refuse to let us pay the mortgage loan amount. 
We have the money to cover the mortgage without the escrow. The Bank refuses to work with us.
The following " hard inquiries '' are being reported by all three credit bureaus ; ie, Equifax, XXXX, and XXXX. I did not authorize these inquiries. 

I have disputed this information directly with the credit bureaus and the requesting companies, and I have not received any acknowledgment of my complaint or any response whatsoever. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, AZ XXXX ( XXXX ) XXXX
Employment history : Never worked at XXXX ; want it removed. Victim of identity theft. 
Also, two unauthorized hard inquiries.
I had cosigned a lease on my sons college dorm in XXXX, XXXX. 
The landlord, XXXX, claims damages and refused to return the security deposit, and charged {$87.00} to replace a light bulb and other frivolous charges.I have disputed the bill and have written numerous ( 10 ) letters to the landlord and to XXXX, XXXX XXXX. 
XXXX has not replied to my disputes and requests for documentation. 
And they filed a negative item on my Equifax file. 
Can you help this to be DELETED from my credit file?
FBCS continues to call me after I have told them numerous times to cease & desist. I have NEVER received any written communication from FBCS. Their collection agents told me they were calling concerning an account I allegedly have with XXXX Bank. I do not have an account with XXXX Bank. XXXX Bank does not appear on any of my credit reports. I have researched FBCS and was horrified to find that they are repeat offenders of reporting false, fraudulent and extremely old debt to consumer credit reports. In addition, there are MANY complaints just like mine where they refuse to stop calling and harassing consumers. Should the calls continue or should they report anything on my credit reports, I will NOT hesitate to immediately file a law suit against FBCS. I have also filed formal complaints with the XXXX, the XXXX Attorney General and the XXXX Attorney General.
I was unemployed for nearly 3 months. I contacted all companies with which I had any financial business to make certain of my current financial problem due to unemployment, my job search plan and repayment plan once employed. I was surprised to XXXX that from XXXX XXXX, 2016 to XXXX XXXX, 2016, I received XXXX calls on my cell phone from all companies with which I have a financial business with XXXX calls being from Capital One. The issue I have with Capital One relates to a payment plan. On XXXX XXXX, 2016, I logged into my Capital One online account for the specific purpose of setting up a payment plan to help get my account back into good standing per recommendation from Capital One. First, I added a new payment account which is my new checking account with a local bank. Second, I deleted my old checking account with XXXX Bank. Lastly, I set-up a payment plan for the company to deduct {$370.00} on XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. These were dates that Capital One website generated and I accepted. Oddly, Capital One appears to have sent the first payment deduction to my old checking account prior to sending to the new account, despite the old account being deleted prior to setting up the payment plan. I have a photo of these attempted transactions with the date. Capital One has continued to contact me, although at a much decreased rate, by email ( XXXX ) and phone ( XXXX ) in order to inform me that my payment continues to be late and that I should submit a payment to avoid being reported to debt collecting agency or credit reporting agency. This does not seem to be fair or appropriate at all. I took the steps the company recommended because I wanted to avoid being reported to debt collecting agency or credit reporting agency. I assumed that once a customer set-up a payment plan, I might get the standard reminder, but not an ongoing complaint of late payments and risk being reported to debt or credit collectors. I feel like I have held up my end of the deal and should not continue to be told that I am late and I should pay my bill. I 'm not certain what the point of the payment plan is, if Capital One continues with threatening business as usual.
I opened a Citigold account last year. I still have not got any promotional offer from them. I have sent them a message after I opened this account. It takes forever. 


Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Hello, good afternoon, and welcome to Citibank Online messaging, my name is XXXX. Thank you for your message regarding your promotion requirements. I will be happy to confirm this for you. 
In review of your account, I can confirm our requirements for XXXX are satisfied for this promotion, as you had mentioned. 
Summary of Required Behaviors : XXXX AA Miles Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/XXXX. 
Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card, which must be posted to the new checking account. 
One qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 
Now that you have met the requirements and the account review is completed as eligible, Citibank will credit the AAdvantage bonus miles to your AAdvantage account, within 90 days from the end of the statement period in which the completed offer requirements. The last requirement met is dated XXXX/XXXX/XXXX and our 90 day requirement will begin from the XX/XX/XXXX statement. You should receive your reward incentives no later than your XX/XX/XXXX statement. 
Here at Citi, we take pride in finding solutions for your financial needs, and I am pleased to have provided your requirements confirmation and timeframe of expected incentives. 
I invite you to share your opinions about the service you received. Please click the link below to take a short survey on your contact experience. You will need the reference number listed above to complete your feedback. 
Send Your Opinions Thank you for choosing Citigold. Have a great rest of the week, XXXX XXXX. 
Citigold Services at XXXX. Internationally, you can call us collect at XXXX. TDD/TTY Service is available at ( XXXX ) XXXX. We are available to assist you 24 hours a day, 7 days a week. We appreciate your business and the opportunity to serve you. 
Sincerely, XXXX XXXX Citigold Customer Service Citigold is a service of Citibank NA, which provides banking services CIN : XXXX
The following accounts do not belong to me but yet the credit agencies are still reporting them without providing me any proof whatsoever besides coming back saying the account has been verified, by verified by whom and with what documents inwhich was never provided to me, in order for these agencies to continue to report one sided information with really conducting an investigation should be held responsible and action taking against them, the accounts I'm saying is not mines dates areXX/XX/XXXXXXXX  more specifically XXXX XXXX, and XXXX XXXX. Its not my job to chase a collection company, its XXXX Experian, and XXXX job to report accurate information inwhich should be accompanied by physical documentation when reporting anything. What you report affects people livelihood and the XXXX  breach was very real so please take inconsideration that all is possible. The FCRA requires that each account is provided with physical verification, or the account must be removed.
On XX/XX/XXXX, I received the result of my dispute submission. The result was, the account belonged to me. I am a XXXX, and my father is a XXXX, the account belongs to him. This collection account apparently was opened in XX/XX/XXXX, In XX/XX/XXXX I lived in California with no pets why would I have a XXXX XXXX XXXX account? 

I believe because my father and I both have the same name, and I recently ( as of XX/XX/XXXX ) live at the same address there was a mix-up and his collection issue has found it 's way into my credit report. A simple investigation into the account may show the original account owner is not me.
over a period of 5 days in XXXX XXXX dollars was taken from my savings account at td bank. I was out of the country during that time and my card was not with me. when I went to check my account a month after I returned home ( the man at td bank that I reported it to who was an assistant XXXX said I had a 3 month time period to report it and I was within that time period ).. it have spoken to the assistant XXXX and the XXXX of the branch and filed a report with the nyc police department but it is almost 4 months later and this XXXX is still missing. as I need to pay a caregiver for my husband I need this money but am getting no results from the bank and do n't know where to turn to next. any help you could give me would be most appreciated
In XXXX XXXX a vehicle traveling at a high rate of speed lost control and crashed into my families primary residence causing catastrophic damaged. We have been going back and forth with out insurance company on the actual scope of repairs which is a complain of its own but not the one I 'm trying to currently address, my issue lies with my Mortgage company, Franklin American Mortgage XXXX XXXX. Upon receiving a partial payment from the insurance company, I sent in the check in total ( {$78000.00} ) to my mortage company to be put into escrow as was requested by both my insurance and mortgage company which was deposited by them into escrow on XXXX/XXXX/XXXX. Here is where my problem arose, the initial payment made by the insurance company was only a fraction of what I was quoted by 10 different independent contractors which were anywhere between XXXX at the lowest to XXXX at the highest to repair my home. Looking at all my options and getting rejected by every single contractor to take this job on for the amount provided by my insurance company to repair my home I realized I had no other option but to repair my home as a owner builder as permitted by both my county, city and California " business and professions code 7044 ''. Having years of building, plumbing and electrical experience behind my belt made this the only logical decision for my family and I, it is not something I wanted to do but unfortunately its only option and my only way to insure that my family gets back home. 

-On XXXX/XXXX/XXXX I submitted my XXXX followed by a Letter of request on XXXX/XXXX/XXXX as was requested by XXXX a subsidiary of Franklin American Mortgage to disperse the insurance funds for the repairs to me to start the repairs -I never received any phone calls back but when I called back again 2 weeks later they told me my request has been denied and for my to hire a contractor to start receiving the funds, I explained my situation and again was shut down XXXX I submitted a insurance adjusters worksheet again this was n't enough and they declined to release any partial payments to start the repairs XXXX I submitted a new letter of request siting the California " owner builder law and section code '', my engineers floor plans/blue prints, as well as my already approved City permits from XXXX XXXX XXXX XXXX repair my house as a Owner/Builder again i was strung on for weeks just to be denied without any just cause or them being to provide me with any legal documents entitling them to deny my requests. 

As of today it has been over 3 months of me loosing precious time to be able to get my family back home and I am truly believe that both Franklin American Mortgage XXXX and insuranceclaimcheck are both acting and Bad faith of the LAW and unlawfully withholding money needed to begin the repairs. 

Franklin American Mortgage XXXX XXXX Insuranceclaimcheck.com
I have contacted these companies as these accounts were included in a chapter XXXX bankruptcy and upon health problems which was a XXXX XXXX and unable to work my bankruptcy was dismissed. These accounts went into a charge off status and when I was made aware of these accounts, I diligently Made the necessary steps to correct these reports by paying the balance made the necessary steps to correct these reports my pay and the balances on these accounts, They are misrepresented on my credit report and all statuses pertain to in these reports by these creditors should reflect that these accounts are paid and they are not collections and they are not charge-offs. I am willing to work with anyone to make these corrections by any means they suggest
I was A victim of identity theft somebody still my SS Number and open a bunch of accounts under my name. I went to Police station and they took a report I ask them to investigate but they did not find the criminal I send the report to credit bureau and XXXX and XXXX deleted the Wrong information but equifax did not. 
Can you help with Equifax thanks
The collection rep assigned to my account threatened to send faxed documents to my employers and ensure I pay them. Keep in mind I attempted to notify the rep she was threatening me on a recorded phone line. I have email receipts showing twice were an incorrect zip code is still being entered on their part and XXXX continues to contact a phone number that they have NO AUTHORIZATION to call!!!! I have an email confirming the incorrect zip code was entered again! I also have an email confirmation from my employer reflecting the same issue!
The statement I receive in the mail from Chase for my Amazon credit card includes my full account number. I contacted Chase and requested that this be changed - it has been months and my current statement still shows the entire account number. Mail is not always delivered to the correct address and this seems to be a security problem that could and should be corrected. If it is an attempt to coerce customers into receiving a digital bill - I believe I have the right to receive a paper bill that does not include my full account number.
I recently deposited a check for XXXX with Bank of America into my account through their mobile app, on XX/XX/25 I was told that the check would take 10 days to clear but they cant tell me why, Ive reached out to the paying bank to see what the issue is and was told BAnk of America has not reached out to them to get the funds released. Through the mobile app I was told the check would clear the next business day which it did but Bank of America placed a hold on it and now Im stuck in this situation with no access to my money.