WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, My mortgage servicer is Caliber Home Loans, Inc., XXXX XXXX. 
On XX/XX/XXXX, I have contacted customer service regarding urgent tax matter. I got a notice from my real property taxing authority ( XXXX ) that they intent to issue FIFA due to tax underpayment for XX/XX/XXXX. 
My repeated follow-up emails and calls to Caliber Home Loans did not help with resolution. It appears that Caliber Home Loans persistently underpaid and/or under-calculated my tax liabilities without properly notifying me. At this time, I do not know what other actions I can against Caliber Home Loans to force them to do their job. This is not the first time that I have a problem with Caliber. In my view, Caliber Home Loans is totally irresponsible entity that does not perform required duties of mortgage servicer as prescribed by law. 
Please assist. 

Thank you
amex business gold credit card. 
received invitation in the mail to apply for this card, spend {$5000.00} and get XXXX bonus points, amex has been trying various excuses to not pay out their bonus. however, during the online application, they do put up a box just before the credit check advising if they are going to go back on their promised offer for any of several reasons. this way applicant who see the box can decide if they still wish to proceed. 

they sent me a personal invitation to apply for the card and get the bonus. 
during application they did not put up the box saying I was not eligible. 

now after my spent amount they are going back on their offer saying that I was never eligible
On XX/XX/XXXX, my husband and I sent the attached investigation request to Equifax. Over two months have passed, and we have yet to receive a response from Equifax, despite multiple follow-up attempts.
debt collector, scam call, calling family members and employer. said he was with 5/3 collecting debit, but had no information
An letter for debt validation was submitted to the company, ProCollect, asking the company to submit the proper documentation to state that I am legally obligated to pay the amount of XXXX. A letter was returned to me from ProCollect stating that their client contends that this is a true and valid debt and supplied me with a copy of a rent least as supposed proof of this debt. The Collection agency is not bonded in the state of Louisiana to collect Debt and i will like for them to remove it off my credit report.
This is either from a payday loan or a credit card debt that I failed to pay. On Thursday, XXXX XXXX, 2015 before XXXX XXXX Pacific time, the landline of the residence where I rent a room ( as I have a personal mobile phone and I was already off to work ), called on the landline and left a message looking for me and saying that a case was going to be filed against me in the XXXX XXXX XXXX Court since the city I reside at, XXXX, CA, is in XXXX XXXX. The caller also said for me to return their call at XXXX extension XXXX with a case number XXXX. In any case, I really feel that the caller should have said they were debt collectors which they did not and I really felt scared and intimidated by what they said they were going to do. I would really prefer the collection agency or the original creditor, whoever I owe to, to mail me a letter saying how much I owe. Right now, I have several debts, mostly to payday loans, XXXX made in person at payday loan places and the rest on line. As well as to credit card companies. Most of them have sent me letters, or the collection agencies acting on their behalf have, and since I can only pay so much, I do pay what I can on paydays and am not trying to dispute the amounts nor run away from my obligations. I for XXXX am trying to avoid bankruptcy and I really wish all those I owe money to will allow me to do partial payments till fully paid. As for this caller who left me that number to call, I really would like their attention called and I will pay what is due but only after their attention is called. I really would like them to just send me a letter and I also wish that when they send me anything in writing, nothing threatening like suing me in court. There is no need to even mention that. And yes they called before XXXX XXXX Pacific time though the jist of this complaint is their saying that a case will be filed against me in court. That is phone bullying.
Within the last year, I receive on a daily basis and average of XXXX - XXXX Citibank pre - approved cards or Upgrades. I have a Best Buy card that is through Citibank. 

And althought Im very happy with the card, Im dissappointed with the non stop marketing and promotion that floods my mail box. 

Citibank, continued PRESSURE '' to have me extend my credit is not only Exhausting But at this point has become HARASSMENT. 

Just because I hold a BestBuy card doesnt give Citibank that right to continuesly go in and out of my credit report. My Card balance and payments are up to date. And that should be their only concern. 
Not to push me into further debt, and Obligation that can surely become a problem for me in the future. 

Im concerned that the daily Harassment from Citibank pre approved credit cards and extended credit COULD have created the problem of Theif that has been reported to the Credit reporting agencies. 

I have made numerous complaints to XXXX, about my mail being stolen in the past. The issue still to today hasnt been corrected or resolved. Although I have sent to the 3 credit reporting agencies police repots and Investigations along with document from XXXX XXXX XXXX confirming that there was actual a crime committed. My credit information is still made available without my consent. 

Id like Citibank to opt me out of all marketing and promotion, that I havent applied for, Citibank may have contributed to the thief in my account from the past. Since they are sending so many pre approved application to me, and my mail continues to be stolen and XXXX has done nothing about it. Citibank continues to put my personal information and finical security at risk. 

The only solution here is to STOP, all Promotions and Marketing to me. I have opt-out from this from all Credit reporting agencies over a year ago. Yet Nothing is being done to protect my Personal and Finical Information from these institutes. 

I shouldnt have to opt out of this Marketing as listed on the application enclosed from Citibank by calling XXXX by me calling this number it will enable the answering service to capture my phone number, and then I will start to receive unwanted phone calls from TeleMarketers. 

It seems like a waste of time to opt out of mail marketing to sign up for Phone Telemarketing which is what will be created. 

Im asking Citibank to Please Opt me out of all Marketing and Promotions that THEY have Opted me into. And to Stop Created a problem that has caused a CRIME TO BE COMMITTED on my credit report as VERIFIED by the Police Department reports
I requested an investigation into adverse information posted to my account at Trans-Union. The request was submitted on/about XX/XX/XXXX. The adverse information was related to a contested billing by XXXX. for wired phone services. I closed the account in XX/XX/XXXX and XXXX continued to bill for four additional months after the account was closed. XXXX posted an adverse non-payment notice to my credit agency account for the false billing for the four additional months. This was even though I had submitted evidence from XXXX 's credit proxy, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX ( XXXX ) ( Confirmation # XXXX ), agreeing with me that the claim by XXXX was incorrect. XXXX subsequently documented its agreement with me and reported that XXXX 's billing claim was incorrect, to XXXX. I sent documentation ( approx. XXXX pages-attached here ) to Trans-Union depicting this process. 

Trans-Union did not review the documentation. Trans-Union did not conduct a meaningful and detailed investigation into my rebuttal of XXXX 's adverse information that Trans-Union posted to my account. They did not even call XXXX ( no phone number of phone call log information was provided by Trans-Union ) or verify the results of the XXXX investigation. Trans-Union just took the last bill submitted by XXXX and regurgitated it back to my account as evidence that the adverse information was correct. There was no indication or documentation that they investigated my rebuttal. All they had to do was read the information that I submitted ; there was no indication they bothered to do this. The adverse information posted by Trans-Union to my account stating that I did not pay XXXX is incorrect ; I did not owe XXXX for the four months they claim, after I closed my account with them. Documentation that I submitted to Trans-Union contains my confirmation number of the closure. 

Trans-Union must complete a fair and full investigation and remove the adverse report generated for XXXX in my account. This is my XXXX request for a fair and complete investigation ( my XXXX was the written request to trans-Union on/about XX/XX/XXXX noted above ). I would like evidence that Trans-Union has read all the documentation I sent to them and provide a description of the process by which they reached a decision.
The issue I was not notified in writing of this debt dated XXXX/XXXX/2013 until I reviewed my credit report and sent notice of dispute to Ad Astra Recovery Serv. I made several attempts to call, spoke with XXXX and XXXX whom kept hanging up on me while asking to speak with a supervisor. They kept saying to submit a request in writing which I had and they saw it in their system. I called back and finally spoke with XXXX the ( supervisor ) whom also stated I needed to submit again in writing my request. I mention to her i did and she kept aying submit in writing and then hung up.
US Bank listed a property for sale. The claimed to have clear title in the original purchase contract. I obtained financing spent money to get my loan and when I got to closing I found out there was a lien against the property they knew about and failed to disclose. They then expected me to sign a document " Holding them harmless '' from the lien. My lender refused to fund my loan when they saw the " hold harmless '' on the pending lien.
Have been in contact with all the 3 bureaus for over an year now to get accounts that do do n't belong to me removed with no success the only bureau that refuse to remove/update information is Equifax. The account that are not mine and are included in ID Theft Report # : XXXX which I have submitted a copy of Affavaidat and police report to Equifax and they still have failed to properly investigate and remove these accounts : XXXX XXXX Bank ( 2 accounts ) # : XXXX, XXXX ; Illinois XXXX  XXXX # : XXXX, XXXX XXXX # XXXX XXXX, and XXXX XXXX and XXXX XXXX XXXX this account is reported two times invalidly.
On XXXX/XXXX/XXXX I returned a call to a number that I did n't know and the lady identified herself as an agent for " Commonwealth '' ( XXXX ). The lady had some of my information and some old information. She stated that I owed on a debt and that I had 72 hours in order to either make some kind of settlement or pay a large amount or they would start the procedures to garnish my wages. I asked her for something in writing verifying this loan was mine. She told me that she could not and would not do this because I only had 72 hours to resolve this or they would garnish my wages and issue liens. I told her that I knew my rights and that they must provide me with some sort of verification and I had 30 days to either verify or dispute. I gave her my current address so that she could sent me verification. She started arguing with me and said that she would n't send me anything and that the case would be sent to litigation. I called back several times, was told that the case was flagged for litigation, trying to see what the name of the company was that they said I owed. On the XXXX call I was transferred to someone I think they said was a manager and he told me it was a debt from XXXX and gave me the name of the credit card. First he offered me a payment plan to hold the account for a little over {$1000.00} by Wednesday XXXX XXXX/XXXX/XXXX XXXX and then when I told him I could n't he said he would give me to Friday ( XXXX/XXXX/XXXX ) and we hung up. Thinking this was some kind of phishing scam I looked them up on the internet and have found several people who have gotten the exact same speech and that if you call back you get a scare tactic.
I must start by saying this has nothing to do with my current mortgage. I 'm submitting this claim regarding my Home Equity Line of Credit. I know when I filed with Wells Fargo, to assume the mortgage note, I also filed to assume the Home Equity Line of Credit also as this was made knowledgeable me. The Equity Line of Credit was included but is not being acknowledged by Wells Fargo as of date. I filed chapter XXXX bankruptcy with the United States Bankruptcy court ( case number XXXX ) XXXX of 2013. Throughout the case, I 've received numerous correspondences regarding any adjustments to payment for which I 've have complied. I 've contacted my bankruptcy lawyer whom stated we did not file/ or included the Home Equity Line of Credit in the payment and that we needed to file which again will cost {$1800.00}. I 've also contacted Wells Fargo and to no avail I 'm back at square one. The Bankruptcy court documents states otherwise. In addition to this, my Home Equity Line of Credit statements which I 've been paying for, still has my ex-husbands name on the statements and it has been going to my ex-husbands address XXXX XXXX XXXX, XXXX XXXX Fl. XXXX. But I 'm still paying for it. Changes have been made to my mortgage but not in its entirety regarding the equity line of credit.
XXXX XXXX. It's impossible to find someone. XX/XX/XXXX the were going to revert the charge and almost three week later, stills there. AND, for some reason I don't know, when the amount was higher, the minimum payment was {$26.00} and now increased to {$33.00}. Seriously?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Compaint : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir/ Madam : I am writing to dispute the follwing imformation in my file an account with : XXXX XXXX XXXX XXXX account dates are : XXXX for {$160.00} ( account # XXXX ). This amount is incorrect. I am requesting that the item be removed. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
i signed up for XXXX XXXX but they said they can not get my account approved by my bank, PNC bank.
I originally opened the account but released all control to my daughter when she moved XXXX by phone with a XXXX rep XXXX years ago. I have never been billed for the account in the past 7 years ... my billing address is not on the account because everything was through online bill pay ... eco bill. I do n't have access to the account and now all of a sudden it has gone to collections and they are saying I am the original account holder and responsible for the past due balance owed on the account ... supposedly my social is tied to the account so that means you should also have access to my other account in order to contact me about the past due amount. XXXX dinged my credit without contacting me XXXX. When I called XXXX their excuse was we billed the address on file. I know that was a lie because everything was online bill pay. There was no address on file I know that for a fact because the rep asked me for the password that was on her account so they could access the account. I told them I had no clue to the password since it was not my account. I also know my email address was not on her account. When she took over the account everything was changed to reflect her ... email address and password ... only she had access to the account. They had no problems allowing her to take over the account so they should be holding her responsible for the bill. Everything is done through email because that 's what the account preferences were set up as. That 's not acceptable ... they have my address on file because I have my own XXXX account so they ca n't say they could n't find me. I have lived at the same address for 20 years and had the same XXXX account for the past 13 years. You ca n't say its my account and never bill me for it. I have received no paper, phone, or email contact over the above referenced account number for the past due balance. You ca n't have you cake & pie and eat too. I was never given a chance to dispute this ... it just showed up on my credit report XXXX hours ago. I received a text alert from XXXX that this was just added to my report. 

My credit report reads as such : ALLIED INTERSTATE $ XXXX XXXX account reported on XXXX XXXX, XXXX : Account # XXXX : $ XXXX Creditor : XXXX XXXX Balance $ XXXX Date : XXXX XXXX, XXXX Reported : XXXX XXXX, XXXX : IndividualRemarks : Placed for collection
I received an email from my bank stating that there had been suspicious activity with my account. I took a look at my account online and it turned out that someone had charged over {$900.00} at a XXXX halfway across the country. Another attempt had been made to withdraw {$400.00} from an ATM using the same account that had been denied in the same general area of the initial charge. I immediately reached out to my bank and let them know that they were correct and the charges were fraudulent. I filed a fraud claim and decided to take a closer look at my accounts. Upon closer inspection, I came to realize that there had been a few lesser charges ( & lt ; {$5.00} ) on the account that I had not caught. I informed my bank of these lesser charges in good faith, under the impression that any additional information I could provide would give them a better chance of catching the individual that was committing fraud with my account. The bank initially provided my account with a credit to cover the money that had fraudulently taken from my account while they investigated. However, they have rejected my claim under the pretense that since I had not caught the smaller transactions and made them aware sooner, I was liable for any additional fraudulent charges. At this point I am out over {$900.00} with little to no recourse that I am aware of.
I have asked Fidelity Creditor Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX 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 XXXX 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.
Around XX/XX/2018 lexisnexis sent me a letter stating that they deleted or removed case number XXXX from consumer reports prepared by lexisnexis and i have since forward to cfpb 4 times and each time i call XXXX they claim they havent received anything from cfpb i am uploading the information again please submit to XXXX .i need this issue resolved asap. XXXX is claiming that lexisnexis is verfiying the information as accurate. Please upload and send documents to XXXX.
Capital one said they would remove late payments if I verified with my bank the reason my payments werent through. Once is did that and got back to them and told them it was because the payment account I was using to pay them was non transactional they said there was nothing they should do. Even though technically I did initiate the payments in time and was being charged late fees all the while.
My credit report was pulled and I have over 10 inquires without my authorization or knowledge. I have contacted experian to dispute the validity of the inquires that were not made by me and to provide me with documentation that I authorized this credit inquiry. XXXX responded back on XX/XX/18 stating by federal law my personal credit report must list all organizations that have requested my credit history when I wrote them to dispute I did not authorize my credit to be pulled and to show me a signed application.
Direct Deposit unavailable. Customer Service is also unavailable so I ca n't find out any information regarding funds or when they will be available. Several other customers are posting information about not receiving their funds as well since XXXX/XXXX/2015. Reading posts from other customers and XXXX information regarding this issue is the only way I have been able to access any information. The company itself is not through the XXXX number or e-mail either.
Had an insurance claim check sent due to hail damage, paid {$8000.00} out of pocket to get repairs done before snow. Confirmed with multiple reps we have all required paperwork, sent endorsed check, insurance estimate and proof of completion by contractor. Had the paperwork tracked, they received paperwork on XX/XX/18. Waited 10-15 days for processing for check to come in the mail. Finally grew impatient and called only to find out they left messages for insurance company to call them back to confirm damage. We contacted insurance company and they verified no contact with them had been attempted. Called XXXX XXXX  back to prove direct phone number of our adjuster to be told they will try again, call back in 3 days to allow more time to call again. Called again following week that they are missing paperwork and have not called insurance company. Approximately 7 calls later finally speak to someone who stated they only need me to verify type of damage and now we need supply list of additional work needing to be done. We get a supply list, email it to them on XX/XX/XXXX, call on XX/XX/XXXX to be told wait 2 more days to process. Called on XX/XX/XXXX to find out they didn't receive the email even verifying address was correct. Forwarded email directly to loss claim rep and still no response. This has been 45 days now with continued " processing '' with no resolution in sight. 
XX/XX/XXXX paperwork received, XX/XX/XXXX paperwork processed, XX/XX/XXXX letter sent more paperwork needed, XX/XX/XXXX postdate of letter, XX/XX/XXXX letter received. XX/XX/XXXX additional paperwork sent, XX/XX/XXXX nothing accomplished.
I received letter from Collection agency called " Capital Accounts '' and then received a phone call at my workplace. 
I did not receive any letter, bill or any kind of communication from the Dental service provider " XXXX '' since XXXX 2012. The services were rendered in XXXX 2012. I paid over {$1500.00} Cash and rest was supposed to be paid by my insurance. 
According to Capital Accounts I owe them around {$2300.00} According to " XXXX '' I owe them around {$1500.00}. 
Why XXXX XXXX not contacted me ever and I received a sudden letter from collection agency after 45 months. 
I believe that either I do n't owe them anything or XXXX failed to file claim with Insurance Company in timely fashion and now trying to make me pay for their mistake Or there are some kind of fraudulent activities going on somewhere in the pipeline since XXXX Office never contacted me about any Insurance Issue at that time and now 45 months have passed. 
I would appreciate if you can step in and investigate since they are threating to destroy my credit with Credit Bureau. Thanks
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2016
I sent letters to XXXX  on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Asking for documents bearing my signature.