WillisBack/dataset-financial-user-claim huggingface dataset:
I fell upon a hardship where I was unable to pay this debt in a timely manner. While I have settled most of the debts either through arbitration where I have made an offer that was accepted, others have sued me in court for the full amount. I am now on a fixed income and can not repay the debt. I live in the state of California and the debt has been turned over to a collection agency who is not the original lender. ( This is a Credit Card ). It continues to show up on my Credit Report and prevents me from improving my Credit Score to raise my standard of living. The debt ( s ) are more than ( 6 ) six years old and continue to haunt me. I believe that statute of limitations in California is ( 3 ) three years. Please advise me.
I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from RENT RECOVERY SOLUTION. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against RENT RECOVERY SOLUTION in regards to this matter. The XXXX also instructed me to complete and theft affidavit through XXXX XXXX. Attached is my document. Thank you
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these inquiries. being that they have gone past the allotted days and can not verify these inquiries, under Section 611 ( 5 ) ( A ) of the FCRA. they are requested to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possibly, Thank You Thank You
Today XXXX, Wells Fargo abruptly closed all of my accounts both Business ( 2 checking ) and Personal ( 1 checking and 2 savings ) account without proper or legal notice. I called their office after received several missed calls and they stated that they made a decision to close all of the accounts and terminate the 12 year relationship because of a specific fraud claim regarding a wire in the amount of {$340000.00} credited to my corporate business account ending in XXXX which was received on XXXX. I asked why the person who sent the wire was claiming fraud and Wells Fargo simply stated that they already made a decision to close the accounts even though I adamantly contested the claim and informed them that it was NOT Fraud and could not be since the person who wired had to have known very well where and to which account the wire was sent. I requested the contact information for the person who filed the fraud claim and they denied me. I then asked them what proof the person provided to support Fraud and they denied me information again. So the question I asked Wells Fargo was " why would you believe this person who isn't Wells Fargo customer and who obviously wired funds knowingly and willingly '' they replied by stating that they reserve the right to close any account at any time to protect their reputation regardless if the claim was true or not. I then asked why were they victimizing and penalizing me if they or the person who wired had not proven the claim. They simply refused to answer. I also stated how can anyone simply call a bank and file a claim to return money they knowingly wired simply because they feel like doing so. at best, Wells Fargo should have referred the person to file a civil claim for a court to determine any wrongdoing or entitlements. I also informed them that the money received was money owed for a unfilled order paid for in XXXX of 2018 but they once again sided with the Claimant only. Why does the Claimant have more leverage and credibility than me when he was the one who knowingly wired the funds? If he claimed not receiving goods or services as they said he did then he should have submitted the invoice or purchase order to prove it. The bottomline is that this person has wrongfully filed a claim of Fraud and Wells Fargo has caused my alot of damages.Now I have been locked out of my money and accounts and Wells Fargo can not and has not proven the Claimant to be right or legally entitled to this action. I believe Wells Fargo discriminated and denied my legal rights by wrongly closing my accounts and locking my out of the funds I have a legal right to. Please help me ASAP
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, send me confirmation that you have complied with my requests.
I am a victim of identity theft. I banked with Bank of America for several years. Someone accessed my account and made a {$300.00} deposit into my checking account using a paper check that was stolen from my apartment. I have attached a copy of the police report. The deposit was made at a Bank of America ATM machine so there should be a video tape of the deposit being made which will show that it was not made by me. Bank of America froze all of my accounts and then closed them because of this deposit. Upon handling the closure of the accounts I noticed that a new credit card had been sent out to someone else ( not me ) and that several charged to my credit card and debit card were made without my knowledge or authorization or approval. I notified Bank of America and they denied my claim saying that it was me that made the purchases. 

One of the charges on the debit card was for a XXXX office in XXXX Texas. The manager of the XXXX office acknowledged that it was not me that used the card! They told me that another patient used the card over the phone and that it was not XXXX XXXX who made the purchase. Bank of America knows this and has continued to attempt to collect this debt and has now reported my account to XXXX XXXX XXXX. 

Regarding the credit card, my limit was {$700.00} and I always paid my card on time. When my accounts were closed somehow my limit was {$5000.00} and there were several thousands of dollars in charges that I did not make. 

Bank of America told me that no negative reporting for the checking accounts would be made to any credit reporting companies, however that turned out to be a lie. 

Someone stole my identity, made copies of my cards and apparently stole checks too. Pull the surveillance video! It was not me!
Sallie Mae is still reporting on my credit when my loans were transferred to XXXX. My accounts with Sallie Mae are all at a XXXX balance and it has been over 10yrs and they are REFUSING to delete it from my credit.
On the contract that was signed it has a annual percentage rate of XXXX, amount financed of {$18000.00}, 72 monthly payments at {$510.00} each, and total finance charges of {$18000.00}. Upon trying to do an amorization schedule I discovered that the annual percentage rate being charged was not XXXX but was actually XXXX.
Seterus is the mortgage loan servicing company to which I send my monthly payments. My payments are always made within the first week of each month and are " posted '' to my account within 3 to 5 days. However, my payment of XXXX 2015 took 15 days to be posted to my account. The company charged me a late fee with the following month 's statement. Instead of paying that fee, I sent them a letter with a copy of my cancelled check showing how long it took THEM to process it. I received no response at all from my letter, until the late charge appeared on my most recent statement again.
I really need your help because at this point I dont know where to turn.I opened the mail and I saw three letters.One from all three credit bureaus.I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other two bureaus removed the information I challenged, which was the following : Creditor : XXXX XXXX XXXX Account # :XXXX I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector.I sent them a letter by certified mail and it was received on XX/XX/2018 and asked them to verify the debt and investigate. As oftodaythey still have not responded to me nor have they attempted to investigate this issue or delete the item. This debt was not properly verified and I don't believe that it is mine. None of the credit bureaus have remedied this issue. I thought they had 30 days to investigate and fix the inaccurate account listed. It has been over 45 days and this debt has not been verified nor has it been removed from my credit profile. This is a HIPAA violation to report this on my credit report as a collection and not verify it. I would like to seek legal representation if this is not resolved.
Pulled my credit 17 times beginning XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. 

I have today requested that they cease and desist. I have no accounts with them.
Sent a certified letter on XXXX2017 to XXXX regarding validity of debt on my report. I have not heard from them. I did not receive knowledge of letter or any results. I expect all information to be removed. 

Disputed previously the spelling of my name, incorrect address and it was not removed. 

I sent 2 other letter requesting the same information from Transunion and XXXX.
In XXXX we acquired a Mortgage with XXXX XXXX XXXX. Recently I discovered that in XXXX, XXXX XXXX XXXX was not a licensed lender in the State of Maryland, therefore my mortgage is void and not valid. I have verified the information XXXX XXXX XXXX, Mortgage Licensing SupervisorDivision Of Financial RegulationMaryland Department of Labor, Licensing and RegulationXXXX XXXX XXXX XXXX, XXXX XXXX, Maryland XXXX # XXXX have attached case law that you can verify the information from. Additionally the company went bankrupt in XXXX, subsequently there was an assignment done by XXXX in XXXX assigning the Mortgage to XXXX Mortgage. How is this possible when the Original Lender is defunct/bankrupt. XXXX as a Nominee does not have the authority to assign a mortgage when the lender is no longer in business. I have attached additional case law to prove as well.
Submitted a complaint with multiple concerns to XXXX XXXX. Ethical concerns were not addressed. Repeated requests to XXXX were forwarded to the company without response. XXXX suggested filing the complaint with CFPB
In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi XXXX points in exchange for opening a CitiGold account and scheduling XXXX bill payments from the newly opened account. 

XXXX Citi XXXX points equals {$800.00} in travel on XXXX XXXX when used with the XXXX credit card. And I opened XXXX CitiGold checking account, which XXXX Citi XXXX points equals {$1600.00}. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I confirmed with Citi in private messages and XXXX that XXXX of my accounts are linked for the offer of XXXX XXXX points after I fulfilled the requirement. Which is within 60 days after account opening, XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 

And after I meet the XXXX requirements, my account will be credited with the XXXX XXXX points within 90 days from the last date of the statement cycle in which I meet the requirements. 

On XXXX XXXX, XXXX, I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, XXXX. 

Between XXXX XXXX, XXXX to XXXX XXXX, XXXX, I have made several internal chats with Citi representatives to confirm my bonus with be posted within 90 days from the last date of the statement cycle in which I meet the requirements. 

On XXXX XXXX, XXXX, I did not receive my bonus points as promised. 

On XXXX XXXX, XXXX, I went on chat with XXXX and explained that I did not receive my points. An internal investigation was opened. 

On XXXX XXXX, XXXX, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a XXXX Points promotion offered in conjunction with the opening of your account. '' On XXXX XXXX, XXXX, I appealed this denial, citing written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 


-- -- Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. 




THE NEW JERSEY CONSUMER FRAUD ACT : If a jury or a court determines that a party has committed an act of consumer fraud, then that party must pay three times ( 3X ) the amount of damages awarded to the other party. ( XXXX. XXXX XXXX California and Federal Consumer Laws : Legal Guide XXXX FRAUD - XXXX XXXX et seq., XXXX et seq.
I have been in discussion with my lender, Quicken Loans, since last year concerning payment of my flood insurance premium. While going through the process of a re-finance with them, it was brought to my attention I did not have flood insurance on my property which I am required to carry on the property. To make a long story short, they admitted mailing the premium ipayment to the wrong address. This mistake was n't discovered until 8 months after the policy expired. As a direct result of their error, I had to obtain a new policy which carries a premium that is more than XXXX the original policy. Also the deductible was raised from XXXX to XXXX dollars. This has caused me a significant financial hardship. Quicken did pay the difference in premium for last year 's flood premium. This year I called to let them know the policy had again increased and to see if they could offer any assistance in paying it since it is their fault I am now having to pay this new premium. Please understand I have compared my policy to those of my neighbors. Theirs went up slightly while mine more than XXXX, only because I had to obtain a new policy when my premium payment was mishandled by Quicken. I have spoken to a number of Quicken agents and managers about the situation. It is my belief that this issue has been trivialized by them and seen as not being important. I do n't think they realize the impact their mistake is still having on me. I am currently paying XXXX what my neighbors are paying in flood premiums. My deductible is also XXXX their deductibles. Unfortunately this rate will follow me as long as I own this home. If all insurance goes up 5 %, more is coming out of my pocket than my neighbors ' pockets all because of a mistake that was not my fault. I have made my mortgage payments on time every month since first getting a loan with Quicken a few years ago. I feel very let down in the way this situation has been handled. I have asked them to make up the premium have refused. This is hitting me especially hard right now. We have just " celebrated '' the XXXX anniversary of XXXX XXXX. If it had n't been for my flood insurance coverage, I probably would not be in my home today. 
I can provide you with whatever documentation you need, including a memo on my Quicken loans account showing they claimed to have sent a payment. 
I apologize for the length of this. I am still frustrated by the whole incident.
My Broker and I contacted a manager at Freedom Mortgage on XXXX/XXXX/XXXX asking about if they would be sending the XXXX Tax payment in. We were told that it was to be mailed out on XXXX XXXX, XXXX, upon which we told them that that would cause it to be late. I told them that I would go and pay it so that my loan would be able to be closed. I did and have copies of the paid receipt from XXXX XXXX XXXX XXXX office and also the front and back of the check. I contacted Freedom Mortgage on XXXX XXXX, XXXX and told them that I had paid the taxes personally and they said that they mailed the check to the tax office on XXXX XXXX, XXXX. I contacted the tax office on XXXX XXXX and they had not seen anything from them. I called Freedom again on XXXX XXXX explaining the situation again and this time was told that they see there was a stop payment put on the payment and to give it 14 days. I called the tax office again today XXXX/XXXX/XXXX and they still have not seen anything from this company. I have sent XXXX emails, with no response, but have received a letter from them on XXXX XXXX and again on XXXX XXXX saying that they are reviewing the information that I provided. The loan closed on XXXX XXXX and they have been paid in full. I just want to get my {$1500.00} back that I overpaid. I feel like I 'm getting the run around. They have had everything they need to resolve this issue. 
Thank you,
I had a checking account with Citizen 's account for over 25 years and to assist my daughter 's college endeavor, I took out a Home Equity Line of Credit ( HELOC ). It was paid by auto-withdraw b the Bank every month for which I have statements from my checking account # XXXX which the bank did illegal activities i.e. not ever providing me with a statement, therefore, I may NOT owe anything anymore!!!? They REPORTED ME FRAUDULENTLY AND  MALICIOUSLY TO THR CREDIT BUREAU AS NON- payment giving me a bad credit score!!!! 
Now, I call the Bank and am told that I do not have a HELOC which is leading me to wonder WHY did the Bank report me and XXXX XXXX from the Office of the Chairman wrote that I paid late there ( 3 ) months in 2015 and provided me with a phone # to contact her if I have questions yet I called over TWO DOZEN TIMES to no avail?! I want the fraudulent/malicious report to the Credit Bureaus REMOVED and the paperwork/statements of my HELOC which the Bank tells me I DO NOT HAVE?!?!?! Copies of my bank statements can be provided if/when necessary as I do not know how to attach or make copies of 25 or the many pages as I am not working in the professional capacity set up for secretarial circumstances but I do have my checking account XXXX statements reflecting withdraw of money to my HELOC.
I have been disputing fraudulent information on my credit report. I have sent in information requested such as police report, id and social security number. Not all of the information has been removed and i dont know what else to do. It is fraudulent inquiries as well as accounts from companies, XXXXl XXXX and my personal credit union. I have been working with a special department at experian that us supposed to be handling the situation but is not doing a good job.
My student loans were " bought '' and have been serviced for several years by ACS. I have had some concerns dating back several years about the way in which large lump sum payments were applied to the account. I participated in XXXX and applied those funds to my student loan, but was told by ACS that this would not reduce the principle balance but would just apply to future payments. I do n't really trust the accounting and have made several requests for a detailed statement from the time they began servicing the loan, so I can audit the account. Despite several requests I have yet to receive a statement, and can see that others have similar complaints. They sent me a statement on an incorrect account that was not detailed and have told me more than once that they mailed a statement but I have not received anything. To summarize, I want to audit this account and have requested a detailed statement that will allow a detailed financial audit and this has not been received.
The credit agencies is incorrectly reporting that XXXX/XXXX  was late in XXXX - XX/XX/XXXX ; XXXX and XX/XX/XXXX.This is inaccurate information reporting on my credit file.
We 've had an accounts with Citi Bank since XX/XX/1978 and have always paid our bills on time and in full. They refuse to lower our APR, despite us having a high XXXX score. They advertise much lower APRs than we were offered. We have a comparable card with XXXX that we have the lowest APR on offer. Citi 's advertising is misleading.
This is follow-up to my previous complaints regarding the XXXX XXXX XXXX, who continues to report negative reporting for my mortgage account to all the credit bureaus that I was late/delinquent for my mortgage account. This is completely untrue as I 've proof that my payments were made on time and cleared my checking account into my mortgage account at XXXX XXXX. Attached are the screen shots indicating that. XXXX XXXX agreed to waive the late fee, which should have never been assessed in the first place. I 'm just frustrated with this bank and their lack of professionalism and customer service. Resolving any issue with them is talking to a brick wall. Their people always claim that the customer is at fault.
i submitted my information to equifax via fax at XXXX and XXXX on XX/XX/XXXX. I called back to verify twice to make sure my documents were recieved and processed on XX/XX/XXXX. Rep verified and retrieved the docs i submitted and told me my information was not processed as of yet with no real reason. SHe verified that equifax had got it on XX/XX/XXXX. I called back on XX/XX/XXXX to inquire about my updated reports and rep explained to me that my information was never processed from the mail room. I requested that all the information i disputed need to be deleted cause the 30 day window had expired to do so. They said they not allowed to do that even though my rights under the FCRA has been violated. I checked back with equifax on XX/XX/XXXX and still nothing has been resolved. I am requesting that the information be deleted due to negligence and violations.