WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I sold our house in XXXX : XXXX Wa XXXX, and the deal was closed on the XXXX of XXXX..Old republic Title was our Escrow company. After the closing we received XXXX different statements of amount due to seller. XXXX = {$190000.00} and XXXX = {$200000.00}. We asked them why are we seeing XXXX different amount due to sellers? Their reply was " yes it was a mistake, you will received {$200000.00}. We will fix it before wiring the money to your account ''. After receiving the money to our account we realized that they did n't fix it, they paid us {$190000.00} instead of {$200000.00}. We tried to call them so many times with no success. They only time we were able to talk to them was last month and we were told that the amount giving to us was correct even though the statement and the amount wired to our account do n't match. I have attached the copy of both statements. 

XXXX
A severe violation of the FDCRA law has occurred, particularly FCRA 611 Procedure in case of disputed accuracy ( 15U.s.C. 1681i ) Requirements relating to reinsertion of previously deleted material. Because I have been a victim of fraud, I have credit monitoring services for Transunion, XXXX and XXXX to keep me abreast of any changes to my reports. On XX/XX/2017 I received notices that Transunion had deleted an collection account from my report, XXXX XXXX XXXX, I went to verify and sure enough it was deleted. However, when I went back to check it was reinserted on XX/XX/2017. The law states that a consumer reporting agency shall provide to a consumer in writing no later than 5 days after the reinsertion date. To date, I have received no such notice. This is a complete violation as I have not been notified and when I called the Special Handling Department and spoke with a US Agent, they said that it was nothing they could do unless I disputed it. However according to the law they FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THAT IS NOT TRUE. 
I am desperately seeking your help to get the XXXX XXXX XXXX account removed from my Transunion credit report because they violated the law and re-inserted it.
Citibank card ( XXXX ) has been calling both my husband and I and harassing us at least twice a day, every dingle day about payments being late. In addition to this, we receive about XXXX letters of correspondence in the mail per week telling us we have late payments. All of our payments are on time, and we have never made any late payments. Since we have made a complaint with the CFPB in XXXX of this year, and the harassment has not ceased, we are contacting our attorney and filing lawsuit. I want Citibank to cease and decist all collection attempts for this now alleged debt, and any further communication by telephone or mail will be collected as evidence of further harassment. We expect a check in the mail as a provisional settlement on this account in the amount of {$1100.00} in the next 30 days, which is the total amount paid forward on this account to date.
I used to own a car XXXX XXXX XXXX few years ago. I sold it back XX/XX/XXXX to a car dealer in XXXX. Same day i logon to dmv for release of liability. New owner bought the car was given a street parking ticket and was towed. ASCENSION RECOVERY MANAGEMENT said I owe {$1200.00}. Quick I explain my story and have proof I sold the car. They agree to remove charges back in XX/XX/XXXX. It still shows open on my credit. Please remove it
The mortgage company was Countrywide Home loans. I was n't able to make my full mortgage payment XXXX XXXX nor XXXX XXXX. I only paid escrow and interest for both of these payments. I was put on a modification for 2 years just for the amount of {$400.00} dollars. I thought I should have been able to make the {$400.00} difference in the XX/XX/XXXX and XX/XX/XXXX payments. However I lost my job XX/XX/XXXX with Countrywide Home Loans. I was put on a Forbearance repayment plan in XXXX XXXX for 2 years paying {$1200.00} per month and it was scheduled to be completed XXXX XXXX ; However XX/XX/XXXX the collections department of Bank of America starts calling me and stating that my mortgage loan was in arrears 20 months!!! I could n't believe what they were saying! Then they took their time to process another loan modification in XXXX of XXXX in this modification they decided to rob me of my mortgage payments and put my loan BACK to 30 years and take it from $ XXXX to $ XXXX and I have been living in the home since XXXX XXXX, XXXX. I have always had the money to make the house payments. From this loan modification that began in XXXX of XXXX it ran until XXXX XXXX! Then due to my sister passing away XX/XX/XXXX and I did not make the mortgage payment of XX/XX/XXXX they began another foreclosure on my loan and then they began another loan modification XX/XX/XXXX and I was paying perfectly on time and then all of sudden Bank of America decided to NOT let me make mortgage payments in XXXX because they said that my " paperwork '' had not been turned in on time!!! When I had been making payments since XXXX XXXX!! I made the payment for XX/XX/XXXX and returned it back to me! Then they put me back in foreclosure and just now XX/XX/XXXX they have started another loan modification!! The bottom line is that due to the negligent loan processing that has been done on mortgage loan it has caused 9 years of foreclosure showing on my mortgage credit reporting and I have never moved out of the home I have always waited on Bank of America to do what is right and due to their predator manner of processing my loan it has wrecked my credit and my peace of mind! I was a first hand witness on how Countrywide Home loans processed loans against homeowners and now I see that my loan is being processed in negligent manner! All I want is to keep my home and have Bank of America put my loan at 14 years and remove my foreclosure status off of my credit history. I need your help please to resolve this 9 years of on-going bad experience with Bank of America.
Sent information in the this company several times. I uploaded documents directly to them when my certified mail documents went unanswered. I called and was told to mail in the documents again. Its several inaccurate information on my credit report, which after weeks of research and legal assistance, i now know its fraudulent. I've attached my information to be resubmitted, please remove this information. I will also attempt to upload these documents directly to them again.
This debt was already resolved through CFPB and there is a case number associated with completion. The original holder was XXXX and I believe it was sold to another agency, however if I continue to be harassed by bogus accusations, will attempt to file a tort claim.
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Attn : Complaint Department I have recently pulled my Experian credit report and notice an account has been investigated and deleted by another credit bureau still being reported by Experian. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete these accounts for accurate reporting. They should be deleted in order to show my true credit history. 

XXXX has removed all accounts associated with XXXX XXXX XXXX. These collection agencies were reporting the following accounts from the following original creditors. 

XXXX XXXX XXXX Account # XXXX Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 



Thank you for your cooperation, XXXX XXXX
Tried to book a flight with XXXX XXXX, upon booking I received a notification if I sign up for an XXXX promotion Credit Card, I would be entitled to a {$200.00} discount. Thinking this would be acceptable due to the promotion ad, I signed up. Upon notification I was approved, the discount was never applied therefore I paid full price. In addition, I was supposedly expected to click a travel number to access although this was not clear nor present when applying. When my wife called, she was explained that since this option was n't clicked, we must wait for it in the mail and ca n't be given over the phone which is completely ridiculous since they can verify the information I just provided. 

I would never have chosen Delta without that discount as I have a family emergency to attend to and at this point I thought I would be able to resolve with the XXXX customer service. After 7 calls between my wife and I to cancel the card since it was moot, we were passed around and hung up on each time besides the last, which the department I needed already closed. The customer service department repeatedly asked us to explain the situation, which took about 3 minutes, then said we could n't help you and new accounts would. If the situation was handled properly we would have been able to communicate our concerns with new accounts prior to there closing. After 7 phone calls, the situation was so frustrating we asked for a Manager to speak to. We were given XXXX, who was quite unhelpful and disrespectful. I advised the associate on the spelling of my name, XXXX, several times but she decided to call me XXXX XXXX which after I corrected her, she still continued to call me by that name. This transacation clearly violates UDAAP and validates XXXX is predatory, stating they can do one thing while they clearly could not. 

All I wanted tonight was to cancel my credit card and ensure it did n't affect my credit since I we did this under false pretenses and within 20 minutes of the application. After delaying this request through transferring and hanging up, it surely was a tactic to ensure that my credit and their fee would be affected. 

They recorded each call of mine, therefore should there be a dispute of this. XXXX, the " supervisor '' of " customer service '' stated they ca n't review the calls. A decent debt collection/customer service company should have a quality assurance/compliance dept. that examines this but above exemplifies they do not value this aspect of business or their customers.
My wife sent me a payment via paypal of {$220.00}, papypal added {$950.00} on the transaction. However, the amount sent to me was never disputed and has been posted since the day the payment cleared the credit card. I've attached a copy of the dispute and it shows the amount disputed was {$950.00}. Since then Paypal has even received the {$950.00} to complete the total of the payment while my account is still negative and I have not been credited back for the money the took fraudulently.
I purchased a XXXX prepaid card on XX/XX/XXXX2018 and was told at register after I loaded {$230.00} onto it would be immediately available for use. I went outside tried to activate the card and it keeps declining do to identity verify. I tried to return it right away within 10 min of purchase without even leaving their parking lot on XX/XX/XXXX2018 as I couldnt use it and was denied do to it being a prepaid card. I called XXXX card the same day setup a pin and gave my information they said they couldnt verify all I would need to email them color copies of my ID, front + back of the prepaid card and copy of the receipt before would be activated to incomms email they gave me. I sent in the documents as they requested onXX/XX/XXXX2018z When I call them today XX/XX/XXXX2018 to see if it has been completed Im told they want color copy of my social security card now emailed to them. I dont feel comfortable emailing them all my personal information they are now requesting I shouldnt have to provide. Ive already provided my state issued identification and proof of address and Purchase of the card. I simply asked to get a refund sent to my address shown on my Id with the receipts and proof of card purchase. They are denying me access to my funds which I have proved are mine and have receipts for everything. This is not fair for them to take my money and hold it hostage while failing to give me reasonable option to release. I want my money returned to me.
I applied for the XXXX XXXX Visa from US Bank on XXXX XXXX, 2015. Prior to receiving my card in the mail I received an email from stating that the major benefit of the card ( a bonus award night ) would be going away. When I called US bank to see if they would waive the annual fee they said it was out of their control because XXXX XXXX was the one who made the change. I feel like this is a bait-and-switch tactic due to the fact that US Bank is still advertising the bonus award night as a benefit EXCLUSIVE to card members.
Navient has made it impossible for me to lower my monthly payment. It 's XXXX dollars a month and when I have called them, almost 10 times about some kind of plan I can get into, they say with the type of loan I have, income-based repayment is not an option. They informed me if I was struggling financially, I should take a forbearance period until I can make more money to afford the monthly payment. Also while collectimg interest on the loan. I have looked into what my payments are going to, and all of it has went into interest, almost XXXX dollars worth every month just for interest!!! SCHOOL : The XXXX XXXX XXXX XXXX
I filed for bankruptcy chapter XXXX, and part of the process included surrendering all of my properties. A company placed me in collection for a job I never requested, from XXXX of these properties. I did not receive any kind of communication and while I was in bankruptcy was placed in collection since 2011
I have my identity stolen ( actually identity hijacked ) by my former property manager and she filed a bankruptcy in my name to keep houses from going into foreclosure that she fraudulently pulled HELOC 's in my name. I have repeated contacted Equifax about this and they refuse to investigate other than to call the Court to see if a BK was filed in my name. I have a police report, FTC Identity Theft Affidavit, Handwriting expert sworn testimony corroborating my claim and Equifax refuses to remove this error from my credit report. The other XXXX bureau 's have removed this inaccuracy a long time ago. Please help me, I just want them to actually look at this objectively. thank you
This is in regards to my Citi Thank You Preferred card.
** I have a {$25000.00} limit on my card ** I was involved   in a romance scam ** I have paid all charges not involved with the scam ** A check was deposited to my account on  XX/XX/XXXX   in the amount of {$13000.00}  XXXX  The scammers asked me to make  XXXX  product purchases beginning o n  XX/XX/XXXX  and a balance transfer on  XX/XX/XXXX  ** I called Citi bank between  XX/XX/XXXX  and  XX/XX/XXXX  and asked if there was any way the money could be be taken back by the people that deposited it. I was told " No '' ** I then made the purchases and transfer believing the check and subsequent checks were good ** More checks wer e deposited   XX/XX/XXXX - {$22000.00}  XX/XX/XXXX  - {$13000.00} XX/XX/XXXX   - {$21000.00} ** I have a printout from  Citi  showing Last statement balance  XX/XX/XXXX  for {$11000.00} with no amount due on payment due date on  XX/XX/XXXX - Leading me to once again believe all the checks deposited were good ** More checks were deposited  XX/XX/XXXX  - {$11000.00}  XX/XX/XXXX  - {$22000.00}  XX/XX/XXXX  - {$45000.00}  XX/XX/XXXX  - {$12000.00}  XX/XX/XXXX  - {$90000.00} XX/XX/XXXX  {$14000.00}  XX/XX/XXXX  -  XXXX     XX/XX/XXXX  - {$96000.00} ** During the time all the checks were being deposited the scammers were having me make   XXXX    product purchases and money transfers and Citi approved a ll of them again making me believe all the checks were good.    **   My balance reached {$140000.0 0}  XXXX  On XX/XX/XXXX    I called Citi at  XXXX  and spoke to  XXXX  and was transferred to  XXXX   (  a w oman ). I reported the scam and cancelled the card effective  XX/XX/XXXX .   XXXX   stated the report would be sent to the investigating team and I should  expect a call from them within  XXXX  days.   ** I received a letter from  Citi  dated   XX/XX/XXXX   stating they researched all of the balance transfers and determined I was responsible for all of them.   ** I received a letter fro m Citi  dated   XX/XX/XXXX   stating they were investigating.   ** I received a second letter dat ed XX/XX/XXXX  stating all charges were valid.    ** I made a report to the police department who turned it over to the Oregon Department of Justice on   XX/XX/XXXX     **  I received a letter from Citi offering me options to pay. I called and informed them I was working with an attorney and gave them his name and number. I do n't know who I  spoke with.   * * I received another letter from Citi  dated XX/XX/XXXX   req uesting payment and offering payment options.   **  I called Citi on  XX/XX/XXXX  and spoke to   XXXX  . I stated  I was working with an attorney and gave her his name and number.   ** I contacted my financial adviser and he suggested I file a co mplaint with you. You may conta ct him regarding this at  XXXX  XXXX  XXXX  or  XXXX .
On XXXX/XXXX/XXXX I applied for a payday loan from XXXX also known as XXXX in the amount of {$400.00} with a {$120.00} finance fee. It also stated my payment was due on XXXX of each month which would automatically pay down by 5 % of the original principal balance plus the finance fee, and will continue to pay down by 5 % of the original loan amount in addition to the finance fee on each following due date until the loan has been successfully paid off. I could only pay the {$120.00} monthly so the balance of the loan never decreased. They were deducting the funds from my XXXX XXXX XXXX visa debit card for 4 months. I had to close the account because of the large amount of interest that was being charged. XXXX website states I no longer have an open account with them according to their website. As of XXXX/XXXX/XXXX I have been receiving threatening collection phone calls from Amati and associates from a agent whose name is XXXX XXXX at XXXX. XXXX stated that I have XXXX criminal charges pending against me and that if I do not pay {$720.00} I will be served a court order. She stated if I pay I can apply for a stand down and make payment arrangements. I feel like I have been apart of predatory lending and that enough has already been paid back in interest.
I am the President of XXXX XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I bank with XXXX. 
I initiated a domestic wire XXXX {$89000.00} XXXX on XXXX XXXX, XXXX to Wells Fargo Bank with the correct name of the beneficiary and his address. I incorrectly put my client 's loan number as the beneficiary 's account number. On XXXX XXXX, XXXX I called my bank to recall the wire. My bank has told me they will not provide Hold and Harmless as required by Wells Fargo Bank. We called Wells Fargo and offered to provide Hold and Harnless with our Error and Omission policy. Wells Fargo called me today XXXX XXXX XXXX, XXXX ) and said that will not return the money until they receive Hold and Harmless from XXXX.
I submitted a complaint in XXXX XXXX, case # XXXX after 6 months of unsuccessfully trying to get a clear answer from FedLoan on a repayment issue. XXXX received a response on my behalf at the end of XXXX XXXX. I was not able to access the response online and requested a paper copy. After considering the details provided and researching my own documents, I wanted to dispute the response provided by FedLoan but I have not been able to find a way of doing this online. The aspect that I want clarified is the disparity between the figures FedLoan presented in arguing the case and the figures presented in my original loan repayment agreement, supported by 12 months of direct debits from my bank account. The FedLoan response claims that my repayment in year 1 ( XXXX ) was {$350.00} per month, but their document to me and my bank documents show that the amount was actually {$240.00}. The difference in these baseline figures is what is getting in the way of me understanding all the other calculations made. It suggests that I am not on the repayment plan that FedLoan says I am on - and on which repayment calculations are based. Significantly, I made my decision to consolidate with FedLoan based on the lower figure given to me, not the higher figure stated in the recent dispute. 
As a result of the much increased payments - for which I had not budgeted - I cashed in a small pension to help make the payments which had become difficult because I had to help my XXXX child with her school fees ( without adding to the consolidated loans for my XXXX older children ) and replace household equipment. The impact of that pension cash-in has been to make it look as if my income has increased by {$8000.00} ( even though my actual income increased by only about {$1000.00} ) and so my recalculated payments this year will be even higher. I am in a spiral of increasing poverty with increasing payments and getting further into debt.
World Finance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
A company called XXXX XXXX is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$600.00} but I have never done business with them and I have never received any letters or notices from them. The account number from Convergent on my credit is : " XXXX ''. This is the second collection company within the past year to try and collect this same exact sum of money from me. Another company called XXXX XXXX XXXX is also currently working trying to collect {$600.00} but they have a different account number. XXXX XXXX 's account number is # XXXX. How can it be possible for two collection companies to try and collect on the same debt? Is n't this illegal? Also, why did XXXX XXXX not send me a notice of my right to dispute this debt before they reported it to my credit? I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by these two companies. There is a 97 % negative review rating and over 923 consumer complaints listed on the XXXX XXXX XXXX XXXX website for XXXX XXXX! I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
I have overpaid my mortgage company over {$2900.00} for FHA Insurance and they will not reimburse me. Instead they cancel my paid up FHA insurance and sent me a letter disputing that I have not overpaid. This trial has been going on for a year this month.
My daughter received FEDERAL GRANT MONEY for school. On XX/XX/2018, for the THIRD time, the bank has taken that money, which legally is supposed to be untouchable, from the account. Each time, they've charged several hundred in overdraft fees which were only incurred because they WRONGFULLY took money from the account for a credit lien on ME. They are refusing to refund these overdraft charges, despite acknowledging their own error led to them. My daughter has no liens or levies. The federal grant money would be untouchable even if she did. The bank is refusing to give us back money they've essentially stolen. I have tried to remove myself from the account but they are insisting I have to fly back to California to do this and I do not have the funds to do that. They refuse to do it without me physically present. They also refuse to let my daughter close the account. Between the XXXX and the XXXX, they took {$160.00} + {$66.00} in overdraft fees, the second amount being taken AFTER they put the original {$390.00} back in the account, so it was no longer overdrawn when they added those alleged " overdraft '' fees. This is straight up theft. 

The bank is XXXX XXXX XXXX XXXX My branch is the XXXX XXXX branch but it is their legal department that I am having issues with.
I get phone calls/ answering machine messages from Discover Student loans ( I attended Rhode Island XXXX XXXX and when I call the number back it takes me to a cruise sweepstakes I 've won. They also harass me during hours that are n't legal.