WillisBack/dataset-financial-user-claim huggingface dataset:
There were fraudulent charges on the BestBuy account made XX/XX/XXXX in the amount of {$79.00}. Dispute was filed with original creditor ( BestBuy ). They continued reporting and responded XX/XX/XXXX with a resolution. BestBuy concluded the debt was mine because it was " delivered ''. They provided shipment details with names and addresses that have NO connection to me. I DID NOT order these items. So I disputed again, discontinued payments until fraud was resolved. During time, collection attempts were made by BestBuy, XXXX XXXX, and finally XXXX XXXX XXXX. I received a letter from Citi on XX/XX/XXXX for a refund of {$44.00} for fees and finance charges. This was received after my account had been sold to XXXX XXXX XXXX on XX/XX/XXXX. The refund did not even begin to cover the fraud charges or the fees and interest incurred during this fraud dispute. So now I am in collections for $ 300+ in fees, interest and charges that I should not be responsible for. Once I learned that the debt had been charged off and I did not agree with the balance owed, totaling {$540.00}. BestBuy informed that I had to contact the new company XXXX XXXX XXXX to validate debt. Then I made a dispute with the credit bureaus. They concluded that the balance was correct which is inaccurate because the charges on the account were a result of fraud.
I have been receiving calls for a few years now about a " loan '' that I took out. No one will provide me in the mail with any information, other than this case is now in " legal ''. Incredibly aggressive tactics, AND the story, most notably the date of when this loan was taken out has changed numerous times, depending on what company calls. Most dates seem to be in the XXXX to XXXX range, however, I am given an address that I have n't lived at since XXXX and an employer name I have n't worked at since XXXX and a XXXX ( I have never banked at XXXX ) This new company seems to have my current address and made an insinuation that I am " hiding '' something when I refused to provide the last XXXX of my SSN or Verify my address. I do n't know this company and I do not owe ANYONE any money, so I am a little bit nervous about sharing personal information over the phone to someone aggressive, ESPECIALLY when internet searches of this company reveal some pretty bad information, including their previous name of XXXX, who was seemingly sued multiple times for poor debt collection practices. They have also called my wife on her cell phone. I just want this to stop, I am not paying anyone, anything. I get up, go to work everyday, have good credit, and am a good person, I just wish these people would actually go and make an honest days living, instead of this. Thank you!
Greetings I have initiated a dispute with EXPERIAN to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for EXPERIAN to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EXPERIAN including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate these unauthorized inquiries belong to me. Below are the reporting Inquiries that should be Removed / Deleted from my EXPERIAN credit report. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 )  XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed:XX/XX/XXXX Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX, PA XXXX
I had my original mortgage with Quicken Loans and then refinanced twice. This last time was the worst of XXXX bad experiences. 

Each time I communicated with Quicken I was given conflicting information leading to mass confusion. I think Quicken is engineered to confuse. I believe they do this to maximize their fees. I have kept a journal of each person with whom I spoke. No one was willing to put the results of the conversation in writing so I could prove the discrepancies in speaking from XXXX person to the other although the calls are recorded by Quicken. 

Finally, after closing the loan in XXXX, I received a statement on XXXX XXXX for an XXXX payment that was not correct. It was the payment based on my old loan and was more than {$200.00} than my current loan should be. I called and spoke to XXXX. She told me the statement went out before my new payment was calculated and that " You do not have any payment in XXXX. '' On Friday, XXXX XXXX I received a statement for a payment due XXXX XXXX. I called and stated I was told no payment was due. I spoke to XXXX XXXX in " senior management '' who told me indeed the XXXX payment was due XXXX XXXX. I had a sense he did not believe me that I was told otherwise by XXXX and I found him abrasive, at best, and cutting me off in mid-sentence. 

I did not budget for an XXXX mortgage payment and having a week 's notice imposes a budgeting hardship.I think Quicken should assume some responsibility for this mistake. Waiving the interest for XXXX seems reasonable.
I have opened the citi checking/saving account on XX/XX/2018 but approved after XX/XX/2018 -- see the email proof I have received from citi. There was a promotion {$400.00} cash bonus after Maintain a  minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days.Get {$400.00} deposited to your account! I opened on XXXX XX/XX/2018 but I have received email on XX/XX/2018 saying that my account is active. I start deposited the checks total {$15000.00} before XX/XX/2018. The citi denied {$400.00} promotion because there saying I didn't deposit within 30 days. I did deposit before 30 days. The citi is counting days when I applied account online not my from when account is approved.There are saying I opened account on XX/XX/2018 but I couldn't use the account till XX/XX/2018. 

Email proof when account is active. 

Dear XXXX XXXX, on Tue, XXXX XXXX, XXXX XXXX Congratulations! You are on your way to becoming a new Citibank account holder. There are, however, a few more steps to complete before you can start using your account. 

Important : Click here for the additional steps required to activate your new account. The sooner you complete these requirements, the sooner you'll be able to take advantage of all the benefits of your Citibank relationship, so please respond today. 

We look forward to welcoming you as a new customer of Citibank. We are committed to the quality of our products and services and look forward to providing you the best service possible! 

Sincerely, New Account Opening
This company is on my credit report for a XXXX bill that I do not recognize. On XX/XX/XXXX I sent them a dispute requesting that they validate the debt and prove that it belongs to me. As of today, I have never received anything from this company in writing providing proof that this debt belongs to me, nor did I receive anything prior to them placing it on my credit report.  On XX/XX/XXXX, I notified the credit bureaus that had requested debt validation and that I had not received nothing, with the hopes that they would have the agency validate with me. At that time they opened a dispute and 48 hours later I was sent notification from XXXX  hat the debt was updated as valid. I am asking for help because am wondering, how can a debt be deemed valid if I have never received validation, even after sending a request in writing. FCRA says if the debt is not validated within 30 days the bureaus must remove said debt and that is what I want done.
I obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, Synchrony-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? 

PLEASE HELP! 

XXXX XXXX XXXX? 
Chase Auto XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Chase Auto XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
" " '' I have disputed this Charge Off on this XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
The Alaska Commission on Postsecondary Education ( ACPE ) failed to properly notify me of the transfer of my loan from default to the collection agency based in Indiana XXXX XXXX XXXX XXXX XXXX ( XXXX ), and they also violated the state statute AS XXXX period of 30 days between their alleged notification to me and transferring the debt to the collection agency. Thereafter, in the effort to resolve and settle my student education loan debt with the collection agency XXXX, there have been many conflicting statements and advice from both the ACPE and XXXX. ACPE tells me I must settle the loan with XXXX and likewise XXXX tells me I must settle the loan with ACPE. Neither take responsibility for agreeing upon a settlement with me and have been unreasonable in their treatment of my debt case. I would like to note that my father sent a check of 50 % of the original balance of {$34000.00} to XXXX to settle the loan debt completely on XX/XX/XXXX, however it was rejected by XXXX as they stated they did not have a settlement agreement on file from ACPE. Therefore I sent the settlement offer in writing on XX/XX/XXXX to ACPE. Currently XXXX is reviewing my offer, and financial form documents.
I have a property that I am trying to complete a short sale and the debt for the property was included in a bankruptcy that was discharged almost 6 years ago. I made arrangements with the primary mortgage company ( XXXX ) to still pay the monthly mortgage amount for them to allow me to stay in the home which I had been doing for over 2 years. Last year around XX/XX/2017 I received a notice of foreclosure proceedings that was going to be started on the property by the junior lien holder on the property XXXXXXXX XXXX  who is being serviced by Franklin Credit. I did not receive any of their prior notices because everything was being sent in my ex husbands name and I was served notice because I lived in the property at the time about the pending foreclosure. When I reached out to them I tried to do a loss mitigation process with them and offered then a settlement amount of XXXX at the time which they declined stating that the offer was too low. After going back and forth with their servicing company Franklin Credit we could not come to a resolution and they would not accept my offer. Franklin Credit opened a foreclosure case in XX/XX/2017 for me in Maryland and started the process even though I was trying to make arrangements with them. Since they would not accept the settlement offer I decided to do a short sale on the property to avoid the foreclosure. I put the house on the market last year in XX/XX/2017 and received a cash offer from a buyer asking to purchase it for the agreed upon amount of the first lien holder XXXX. When we were ready to go to settlement and the title company tried to clear us for settlement we found out that the junior lien holder had filed a lien against the property preventing me from selling the property and obtaining a clean title. I reached out to Franklin Credit who is the servicer for the junior lien holder and I have been working with XXXX XXXX and he told me to resubmit an offer to the company to see if it would be accepted. XXXX will only allow a maximum of XXXX be paid to the junior lien holder which I offered to Franklin Credit to get the lien released. They refused the offer and countered it stating that they are looking for a payoff of {$30000.00} before they will release the lien or they will proceed with the foreclosure. I have been rebuilding myself and my credit since I filed for the bankruptcy 5 years ago and I am trying to protect my credit and not have a foreclosure on my record when I have been trying to work this out with them. I am in danger of loosing the buyer that I have as we were supposed to go to settlement in XXXX of last year and he wants to pull out his offer. It seems that Franklin Credit is trying to cause me an undue stress by forcing me into foreclosure. The home is vacant I have already moved but I do not want to have this fall on my credit. As this process is drawn out by them their are fees that keep adding up from the HOA for the property that I am trying to avoid as well.
Wells Fargo Home Morgage sent me a letter urged me to sign up for an optional product called XXXX XXXX Accident Plan. I told them I did n't want it but they signed me up anyway without my knowledge. My statement from them has been the same for years except the changes in escrow so I generally don, t check it too closely but this month I did and found out the charge for the insurance I didn, t want.I am only now checking my statement more closely because of all the bad press Well 's is getting. Thankyou for going after these still fraudulent banks. 










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I graduated in   XXXX   from   XXXX   XXXX   XXXX  . I had to apply for  XXXX   XXXX  "   XXXX   XXXX   loan '' for half of my loans I took out during school because they were the only ines I qualified for. I paid the interest off in monthly payments while I was attending. The payments were on an automatic deduction and took out every month. However, when I graduated they stopped my automatic deduction payments and then tried to charge me a late fee because I did n't pay on time. I asked why they stopped my payments and they said they expired for some reason and I needed to start them again. I was fighting on the phone with customer service so many times and called so many times because they kept messing up my loan payments that I was automatically transferred to management everytime I called which did n't really help much either. Over time when I started working as a  XXXX  I was able to make higher loan payments. However, everytime I paid over the minimum payment, they never applied it to the loan. They only took out the minimum payment so they could charge the interest fee on it. I called and asked what was happening to my payment, the money that I paid extra on? They replied that if you pay over the minimum payment the extra money goes towards next months minimum payment. They call it " pay it forward '' so I asked, I 'm never going to be able to pay extra on my loan to pay it down quicker? They said I did n't specify that I wanted to do that so all the extra money I 'm paying a month is going towards future minimum payments.   I was tired of dealing with     XXXX   XXXX    , which is now navient, and went to my credit union and explained my situation. I asked to take out a private loan to pay off my high interest rate student loans. I qualified and they asked for an address to mail the check to navient. I called customer service and they would n't give me an address. My bank called and searched navient website and they too would not give an address. My bank ended up transferring the menu into my account and said they would be able to see when I made the payment to navient on the website.   Very frustrating with the whole process.
On XXXX XXXX I sent disputes to Transunion regarding credit reports that were n't validated and needing to be removed. They were removed on XXXX XXXX per XXXX just to be placed back on XXXX XXXX. I 'm reporting the following XXXX These are the XXXX that were removed on XXXX XXXX.
XX/XX/XXXX late payment home Depot account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with Home Depot. You see my husband is a XXXX XXXX XXXX XXXX veteran who suffers from XXXX XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a Home Depot account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate
Since the government has now changed the rules regarding transfers of IRA 's from XXXX financial institution to another in deference and accommodation to the banks, it has become much more cumbersome and time consuming to accomplish this task. It has taken two months to get {$87000.00} from XXXX XXXX to Synchrony Bank. It was only my irate phone call to Synchrony this morning that the money was miraculously " found ''. When we were allowed to pick up the check from XXXX institution and deliver it to another, things always went smoothly. THE NEW SYSTEM IS NOT WORKING AND IS DESIGNED SO THE FINANCIAL INSTITUTIONS CAN LOSE YOUR MONEY FOR A MONTH AND A HALF AND THERE IS ABSOLUTELY NO ONE YOU CAN SPEAK TO THAT CAN GIVE YOU DEFINITIVE ANSWERS ON ANYTHING, UNLESS YOU WERE WILL TO SUBMIT TO THEIR EXCESSIVE FEES FOR ELECTRONIC TRANSFERS. PLEASE HELP CHANGE THIS SYSTEM BACK TO THE WAY IT WAS!!
XX/XX/XXXX I suffered some financial hard ships. Due to these hardships I was having trouble making my mortgage payments, my loan was turned over by GMAC to Ocwen Financial with out my knowledge. While I was making payments Ocwen was returning the payments but to the wrong address. I did not become aware of this until Ocwen notified me that my home was going into foreclosure. This was XX/XX/XXXX. I have had nothing but trouble with Ocwen since. This includes everything from setting up appointments with Relationship Managers who do not keep appointments, call at the wrong time or even call me at the wrong phone number. Numerous times Ocwen has changed my Relationship Manager without even telling me so it can take days or even weeks to find out who I am even suppose to speak with. I submitted an application for a loan modification back XX/XX/XXXX. I did not receive anything from Ocwen up dating me on my application. When again I finally was able to get a hold of who was my new Relationship Manager, I was told he could not speak to me telling me my account had been referred to an attorney. He was not able to give me a name or a phone number of the attorney. I was finally able to track down the attorney XX/XX/XXXX after many phone calls and internet research. I left messages for her for almost 2 weeks before I was able to reach her and when I did she told me that a repay had been set up and the first payment was due in 2 days. My mother who is on this loan called the attorney as I work and am unable to remain on hold for long periods my mother was told by the attorney, that she was not able not speak to her. This repay was not feasible and they told me to resubmit a new modification application, this was done in XXXX XXXX. I have had XXXX Relationship Managers since then. I can not seem to get the right information, the right person or the right phone number. Yesterday after finding out that I again have a new Relationship Manager I asked to be transferred to a manager and was transferred to a manager who actually told me he did not know his own phone number so I could call him back. He also told me he did not know his supervisors phone number. I was told yesterday that they needed more information on my new application. It was faxed over twice to make sure they received it this morning. I called to confirm they received it and have a fax confirmation. It has been almost two months and again I had not received anything from Ocwen. I had an appointment to discuss my application with my than Relationship Manager and she had someone else call to tell me she was busy and they called and left a message at the wrong phone number. I can not believe anybody can stay in business like this. I do not believe Ocwen has any desire to help me keep my home which by the way I have owned for 30 years. When this started with Ocwen my home was to be paid off XX/XX/XXXX. With all the charges and non-since Ocwen is tacking on I feel like it will be lost or never paid off.
In the transition between XXXX and Navient my student loans which were being paid on monthly were thrown into default. I have hired a lawyer to help me resolve this issue, as it is impeding my credit and I am unable to buy a home. The debt collector and Navient both will not respond to neither me or my lawyer. I am eager to resolve this matter and become current on my loans. I owe approximately XXXX and the only response is to pay in full or I can not pay at all. They will not set up payment plans.