WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a longstanding MasterCard with Citibank. 
Because the annual fee is high relative to the services offered, I have asked Citibank to close the account. ( I never activated the new card I received in XXXX /XX/XX/2018. ) I did not have any balance due as I pay my balance in full every month.

Citibank has decided instead to harass me into paying the annual fee for the coming year. In addition, they outrageously have leveled interest on the fee for a card that is no longer of any use.

Citibank has called my phone outside of business hours, including Sunday mornings as a further method of harassment and has put in negative information on my credit report.

Citibank should accept that this card is of no value and accept that they provide poor customer service and therefore do not want to deal with them. They should stop the harassment and rectify any information provided to Credit Agencies.
I owed Champion Mortgage {$910.00} for forced flood insurance. XXXX/XXXX/16 was told I owed {$1600.00} for taxes and insurance. I had paid taxes XXXX/XXXX/16 for {$760.00} and sent receipt of paid taxes. I sent a Official check for {$910.00} on XXXX/XXXX/16, which is the balance of what they say I owed minus the taxes. Copy of check attached. The loan details show receipt of Official check on XXXX/XXXX/16. Also attached are XXXX letters, the first dated XXXX/XXXX/16 stating we owed {$980.00} and have until XXXX/XXXX/16 to make current. And the second letter one day later,XX/XX/2016 stating we owed the {$1600.00} and had until XXXX/XXXX/16 to pay. ( this amount is the insurance and taxes they claim they paid I have the paid receipt and they will not produce theirs. ) On XXXX loan notes show " Advised client to return official check for {$910.00} because it was not the full amount. The loan notes show that on XXXX/XXXX/16 file was sent to Lawyers XXXX XXXX XXXX for Foreclosure Processing. The XXXX letters attached prove I had until XXXX to pay which I did XXXX XXXX. I was not in default when they started the Foreclosure. They refuse to produce their receipt for the taxes they state they paid. Second complaint -- after seeing I was n't going to go away, I purchased {$120000.00} in flood insurance XXXX/XXXX/16 as the new requirement. Immediately after receiving the new coverage they first told me I needed they sent a GAP letter stating I needed {$250000.00}. This GAP in coverage is what started this Foreclosure process. See attached letter. The condo association covers {$120000.00} on each unit and I have my personal for {$120000.00}. The condo is not even close to being worth XXXX I have no idea where they came up with that figure. I believe it is a ploy to continue harassing an XXXX woman in hopes they can keep throwing hoops to jump threw and I 'll get tired.
I have money invested with Coinbase. I now wish to withdraw my funds from my EUR Wallet and GBP Wallet. I have set up my XXXX bank account with Coinbase as requested. I have deposited XXXX Euros as requested ( on two occasions now ) which is part of Coinbase 's verification process. The money is showing as received in my Coinbase EUR Wallet and my EUR Wallet account has been credited. No when I click on the withdraw button the software directs me to the account verification page and requested that I deposit yet more money into the Coinbase EUR account so my XXXX bank account can be verified. I have emailed Coinbase, tried calling them and followed all on-line help available from Coinbase but can not get my money back. I am now starting to think Coinbase are either scammers or are having financial difficulties.
I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. 

TransUnion/XXXX/XXXX -- Failed to correct my credit score. REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is 5 years old as if it is new is illegal. Hence the reason the attorney general is now involved. I shared the attachments that showed the creditor updated for another 7 years FROM XX/XX/XXXX and then went back and corrected as if they did not do such. My score should be restored!! 

XXXX XXXX - Regarding two ( 2 ) different accounts ending in XXXX & XXXX. Both accounts were opened XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XXXX. However, XXXX XXXX, re-aged the debt and reported it as if the debt was charged off in XXXX. This detriment to my credit report for this illegal act was a total loss of 71 points. XXXX XXXX account # XXXX is also is in violation of re-aging the debt as well. The account was charged off in XXXX. The detriment to my credit report for this illegal act was a total loss of 71. See exhibits on initial complaint.
XX/XX/XXXX I had a loan modification with XXXX XXXX. In XX/XX/XXXX XXXX played with the Escrow on my account and made me two moths behind and then sold my mortgage to Nationstar. I have sent information to Nationstar and I have corresponded with them many times. At one point on XX/XX/XXXX the person I had been dealing with sent me an email that stated if I paid XXXX payments I would be current. Shortly thereafter the person I was dealing with was transferred to another department ( XXXX XXXX the next person I dealt with who was my dedicated loan person I asked her to speak with XXXX and she said " she had left and if I wanted to stay in my home I would have to speak to her ''. I spoke with a supervisor XXXX XXXX and he was going to look into it for me. I spoke with another representative that stated that XXXX XXXX had in the notes that we had a three way call XXXX XXXX, Nationstar and myself XXXX. That did not happen at that point. So I called XXXX XXXX and we had a XXXX way call and we spoke with XXXX at XXXX. I asked her specifically what months I missed. She was going to research it and get back to me. She called me the next day and I had not missed any payments and she told me they adjusted my escrow which made me XXXX months behind. I called XXXX XXXX to tell him and left him a message that I had not missed any payments. Shortly there after I received a call from a XXXX XXXX from Nationstar that said that I was only to speak to her and only her and gave me her number, she said she understood it was XXXX that caused the issue and she would look into it. I still received collection calls from Nationstar and I tried to call XXXX XXXX and she would not return my call, I only got her voicemail. When a representative from XXXX called me, I gave her XXXX XXXX number and she did not know her nor would she contact her. Even though it was a Nationstar number. I have tried everything I know to rectify this and I can supply you with any information you need. I have also told Nationstar that I have a XXXX. I have lost sleep and constantly worry that I will loose my home. I now can not make payments online to Nationstar. I can supply you with copies of any month payments payments from XXXX or Nationstar. I am almost at the point of just giving up. When I first contacted Nationstar they stated I was XXXX months past due and that my payment was {$200.00} more a month then what it is but XXXX at Nationstar fixed that but representative still try to get me to pay {$200.00}. more a month even though they had a notice on their site saying that they have taken over my mortgage but nothing has changed. I do not understand how XXXX could play with my Escrow to make me XXXX months behind and not rectify it and I do not understand why Nationstar could not contact XXXX and get this corrected. Again, I can send you any month payment for XXXX or Nationstar that you require and I can give you any information you would need. Also on my credit report XXXX reports " no missed payments ''. which is correct. Thank you for your assistance.
Transunion 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''. 

Transunion & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.
I had to take the law firm of XXXX XXXX XXXX ( debt collectors ) to court earlier this year and the court ruled in my favor. However, there was a period of years that interest rates soared and I was paying this debt off every time I got paid and have the receipts to prove that I did pay, $ XXXX/month. The last payment was late due to my diagnosis of XXXX XXXX. All through my surgery and treatment I was getting letters and threats of garnishments from XXXX XXXX XXXX. The original credit card was from Capital One Bank. Because the last payment was late, XXXX XXXX XXXX was adding interest onto the debt as well as, claiming they could now charge me not only the original amount of the card but with added interest! When I finally did make the last {$75.00} payment, in good faith I paid a double payment of {$150.00} and yet XXXX XXXX XXXX persisted in harassing me for the original amount with a huge amount of interest attached to it. 

When we went to court, we settled and it was decided that I did not owe the law firm/bank any money. My question, however, is this : for all those years of harassment and mental anguish by continually attempting to get even more money out of me unconscionably so during a diagnosis of XXXX XXXX and subsequent treatments ( as well as spousal abuse, divorce, a move and my father dying - all this in 2009 ), was XXXX XXXX XXXX 's practice of charging additional interest rates legal as well as the harassment and mental anguish I was being put through for what amounted to a mere {$75.00}?? 

The original amount of the credit card was for, I believe {$300.00}. As of XXXX, 2009, XXXX XXXX XXXX were attempting to have me pay, {$1300.00}. 

Any legal advice I received during this time was free from : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX York, NY XXXX advise and thank you for your time.
I have never received any notice until all of a sudden my credit monitoring company notified me of an account reported in collections. I filed a dispute with XXXX on XX/XX/ and onXX/XX/XXXX XXXX   notified me that the creditor had already replied that the debt was valid. It is not valid for several reasons, for one the debt is purportedly close to 10 years old ; secondly, I was a victim of identity theft with payday loans during the years XXXX, and thirdly, the original amount in dispute was {$300.00} and.now {$2300.00} is purportedly owed. Midwest Recovery Systems is the new creditor trying to collect an old debt and is in violation of various Federal laws governing debt collection and debt collection practices.
Repeatedly Calls asking me for my credit card information and asking why I do n't pay with one of my credit card that he should not know about because the account does not pertain to me, it is for my husband. He is very very rude, and gets aggressive with me, gets angry because I do n't pay full amount and because I pay with a check.
We are first time buyers. We had many many questions. Every time we asked her to explain something she seemed very irritated over the phone or would respond in a snarky type of attitude. She was very pushy. We 'd ask her to run figures and she would tell us not to worry we can afford it even if we told her no we could n't she would insist we could. Her calculations were constantly changing because she 's forget to change something. She would go ahead and order items such as a condo questionnaire that they charged me for even though we had decided to cancel that sale due to the inspection findings. Her reasoning was because she wanted to get ahead and order it asap because it takes a long time. They charged me without my knowledge. I had signed a document allowing for payments if applicable. I was n't aware the condo questionnaire would still be applicable considering we had cancelled the sale. We communicated regarding the pending charge that did ultimately get processed XX/XX/XXXX, 2017 for {$210.00} and she said she would refund me at the end of escrow. She had put the appraisal on hold since we cancelled. I said I did n't understand why we would still be charged for something we did n't authorize to be ordered, especially since canceling would n't make it " applicable ''. I tried getting information but se seemed affronted. I tried asking her about it via email and she ignored my email. We are now with another lending agency and our agency required information from them of which they refuse to provide because they said it belongs to the property. Since we are no longer clients of theirs they refuse to assist us in anyway even if they have failed to complete a job on their end.
i try disputing the issue with dentists and refuse to talk with me because services wasnt completely, XXXX Equifax XXXX Account Name : XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX Account Type : Collection Department / Agency / Attorney Collection Account Account Status : Closed Open Monthly Payment : Date Opened : XX/XX/2013 XX/XX/2013 Balance : {$1700.00} {$1700.00} Terms : 1 Month High Balance : Limit : Past Due : {$1700.00} Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Comments : Account in dispute-reported by subscriber
Bank of America is reporting XXXX open charged-off accounts on my credit report, however, there is only XXXX account. This is in direct violation of the CFP Act and should be resolved immediately. I have attempted to resolve this issue via direct communication with the bank and, also, through XXXX credit reporting agencies. The accounts in question are BofA mortgage accounts : Account # XXXX # XXXX accounts have the same open date, same high balance, and same charged off amount.
I have been applying additional principal payments to bank of america auto loan. I spoke with BOA and stated I would like any additional payment be applied to principal and not next months payment. A customer service representative told me I would have to go into a bank or pay by check and could not do this online. If I do not have checks, no checking account with bank of america and I do not have a bank of america near me these things are not possibly. BOA is dictating how I would like my payments and stating it can not be applied towards principal when I am meeting my monthly obligation. I would like this investigated immediately, I believe it to be false and deceptive bank practices.
I signed up for a zero interest loan for 12 mos for a washer and dryer with Conn 's Home Plus. The lender failed to withdraw the final payment ( they said it was n't set up on ACH, yet they ACHed all my other payments ) causing my account to accrue the previous 12 mos interest, which exceeded the total initial cost of the appliances. When I called them three days after the 12 month mark, they said there was nothing they could do and I needed to pay it or have my credit negatively affected.
XXXX XXXX, 2016. I got a letter from Wells Fargo Financial National Bank ( attach letter ) signed by XXXX XXXX. The letter let me know that because I did not accept the offer from Wells Fargo Financial National Bank I was responsible for the full deferred with 27.99 % + 27.99 = 55.98 %. Now I am paying 55.98 % this is incredible.
In XX/XX/XXXX I had my card stolen, and some charges were made. When I contacted XXXX  XXXX XXXX  to alert them of the charges they told me NOT TO MAKE A PAYMENT since I had a XXXX balance on my card before the fraudulent charges. XXXX XXXX XXXX  proceeded to report the card as having been 30, 60, and 90 days past due in XXXX, XXXX and XX/XX/XXXX. 

In XX/XX/XXXX I contacted XXXX XXXX XXXX after the disputed charges had been settle. I asked them to take the incorrect past due reports off my credit file. They agreed that they were mistakenly report and that they would take them off. However, they did not. 

Again in XX/XX/XXXX I contacted XXXX XXXX XXXX  for a final time asking them to delete the reports from my credit file. They agreed that they would. Again, they have not.
We have owned our home for 32 years since XXXX. In XXXX we applied for a Modification loan the terms to our understanding was to be for the remaining terms of the loan ( 20 years ) which would have the loan paid in full XXXX. As with many loans our loan has been sold many, many times. Apparently along the way I was taken off the loan which we did not do with all the servicing companies that have service our loan they state I'm not on title according to their record and every time we call the servicer ( s ) my spouse must give permission to whoever is servicing our loan to speak to me, we have told them many times I was never taken off the loan. We checked with the title company they are showing the Deed of Trust and Note XXXX no modification filed. 

In one of the correspondence from XXXX they state that our loan has not been modified ( XXXX XXXX ) according to their records ( see attached ). XX/XX/XXXX XXXX sent us a payoff quote we did not request a payoff quote. 

After numerous time requesting from servicers to send a copy of the Modification agreement they only send the Deed of Trust and Note ( XXXX ). We've requested from the last servicer who is now XXXX to send the information on the modification as of yet they have only sent Deed of Trust and Note ( XXXX ) We are now seniors and we desperately need resolved this matter. 


Thank You,
I filed a complaint against sunrise credit on XX/XX/2018 about this collection account and for verification of amount and if they hold this account from the original owner because this account was with a different collection agency that XXXX XXXX sent this to. It haven't been 30 days and Sunrise have already put this on my credit report without any verification. The date on the letter from Sunrise was XX/XX/2018 I didn't receive this letter until XX/XX/2018. I disputed this on XX/XX/2018. It takes 30 days for an account to show on your report I got a alert on XX/XX/2018 that this collection is on my report as of XX/XX/2018. So this was reported XX/XX/2018 for it to show on my report XX/XX/2018. This account have not been validated. I disputed this account within my time to request validation.This is unfair.
I have several inquiries on my report from companies, I do not have any accounts or services with. I did not authorize these companies to access my credit records under any circumstances. These inquiries appear on my XXXX as well as my Equifax accounts.
I opened an inquired around XXXX 2016 against CAPITAL MANAGEMENT SERVICES LP for attempting to collect a debt for the amount of $ XXXXPlease look case XXXX. I did n't dispute their response because on his response letter. This company said will cease all collection activity and in its letter states to have the Creditor verify the alleged debt owe direct to me, so far none has verified the alleged debt of {$900.00}. Today I received a letter in XXXX from this company again trying to collect the same debt without verifying the debt as I inquired on my original case against CAPITAL MANAGMENT SERVICES LP Case # XXXX.I would like the CFPB step in to check into this issue if this company has violated any Consumer Protection Credit Laws I 'm attaching as referral the company response letter from the previous case and the letter I received today.
IC System is reporting that I owe {$610.00} for XXXX XXXX from XX/XX/XXXX reported on XX/XX/XXXX. This is NOT my debt. I have never had service from XXXX, I have never signed any contract or agreement with XXXX, you should verify that fact. My previous spouse may have had service. I dont even have a tv. Please remove this inaccuracy immediately. I have disputed with XXXX as well.
Items that are paid and closed are being reported as a 'Charged off ' status, and continue to report late payments although accounts are closed. In fact, a XXXX XXXX account that was paid in full and closed in XXXX is still reporting on credit bureau ; to be exact last reported in XXXX. 

Please review attached credit bureau and review the highlighted items. I believe this is unfair reporting and is causing me a lot of paid. 

Thank you for your attention to this matter!
Im id and social was stolen and I reviewed my credit and noticed that I had a credit card on my report that I did not open ....
I was n't protected under the wage earner law as I should have been. My case numbers are   XXXX   &   XXXX  . My drivers license have been stolen, social security card stolen. All of my former employers have been changed without my knowledge. With all   XXXX    credit agencies. I learned from the FBI this is an inside job.   XXXX   XXXX   XXXX   XXXX   is my last employer, their ein number is  XXXX . The company amended and restated all of my tax returns and made themselves my conservator. They was n't reporting my payroll correctly.   XXXX   XXXX   was n't reporting taxes on me. Someone within the company have my identification and is abusing it with the credit union. I was with the credit union before the hostile take over Of The company in  XXXX .   XXXX   XXXX   was directly involved with my personal information. She resigned when the FBI went to the company and pulled my employee records in  XXXX . She stole my retirement pension in  XXXX . The company is a S-Corporation. The   XXXX    Family is also abusing my identification. I had funds payroll deducted to pay my creditors every week until I was discharged. Money was being stolen from the courts.   XXXX   XXXX   posed as a paralegal with the   XXXX   XXXX   XXXX
Tried to pay, They did not apply the funds, instead in suspense account I stopped paying when the could not explain this.   All calls directed to call center in  XXXX . I can not understand the people Asked for reinstement quote which I received They can not break down the charges in the escrow portion Gave phone number and said I needed to fax request, which I did, No response I have called them at least 5 times.   I am scared as the house is in foreclosure