WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I have had a Home Equity Line of Credit on our primary residence located at XXXX XXXX XXXX, XXXX XXXX, NJ with Citizens Bank of PA since XX/XX/XXXX. I have received statements from Citizens Bank each month which I track how much I owe and have been able to balance my statement correctly with the information I have until the XX/XX/XXXX statement. See attached statements from XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX statement information ( last months previous balance minus payments plus interest/insurance/fees ) did not add up to the New Total Balance. The New Total Balance was {$50.00} higher than what it should be with no information as to what the {$50.00} discrepancy was on the statement. 
I called the Customer Service phone number several times and spoke with representatives ( each time escalating to the next line in management ), the final conversation with a Customer Service Manager ( XXXX XXXX ) who stated that the {$50.00} was added to our outstanding balance which represented the approximated cost of the Recording Fee ( s ) when the loan is paid off. After much conversation in which I tried to make them understand that the fee had not happened yet they insisted that the {$50.00} fee would remain in the outstanding balance. 
I am financially astute and understand how to check the Daily Periodic Rate as well as the Average Daily Balance which is how the interest charged on the monthly statement and have found that Citizens Bank is charging me for interest on the {$50.00}, which they say is not being done. I dispute this as the Average Daily Balance includes the {$50.00}, so I am being charged interest on a transaction that has not taken place. 
While the {$50.00} incurs a small amount of interest for me, if the total number of accounts that Citizens Bank has possibly done this to adds up to quite a nice amount of money for them.
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX credit report XX/XX/XXXX related to that fraudulent inquiry. While no account was established the application left the fraudulent inquiry. An official dispute of this activity was mailed certified return receipt to XXXX  XX/XX/XXXX however as of this date no reply has been received and no update has been given. The same activity happened with Bank of America ( Ref # XXXX concerning the fraudulent application ). An official dispute was faxed to the fraud department of BOA  XX/XX/XXXX and to this date no reply or update has been provided. Lastly, XXXX XXXX did have an account established ( acct # XXXX ) using my client 's information without his consent. This account has a balance of {$3000.00} dollars associated ; an official dispute was mailed certified with return receipt XX/XX/XXXX however as of this date XXXX XXXX has failed to reply or update the status of this dispute. These actions by these bank illustrate the failure of these bank to follow the FCRA and how the rights of consumers are still being violated.
I have been charged {$2.00} every statement as Finance charges. These charges have been appearing on my statement from XXXX of 2015. I called the company SYNCHRONY BANK in XXXX and all the extra changes were removed and they accepted their mistake and promised that this will not happen again. I called the SYNCHRONY BANK again in XXXX and they accepted their mistake and reverted the charges in XXXX. I have been harassed as these charges have started appearing again. It takes lots of time to to call the company have they promise that this will not happen again and it appears on my monthly statement again and again. I have called then so many time and every time SYNCHRONY BANK promise that it will be taken care and will not appear. I am frustrated as this takes so much time and I feel frustrated and harassed by SYNCHRONY BANK.
I have submitted information to correct my employer 's information and as one can clearly see they list my work in XXXX instead ofXXXX Massachusetts. My second issue is that I use my middle initial and not my full middle name. My third issue is that I was denied an credit card through XXXX due to not having sufficient number of accounts. I also have accounts with XXXX and XXXX Gasoline which is not on the reports. XXXX of the bureaus does not list a previous paid up account at XXXX XXXX XXXX XXXX. It is frustrating dealing with and attempting to dispute and clearify the above issues. I am also attempting to determine when I requested a credit report from the bureaus. I prefer to have them sent to me and not through the internet as I then have a copy for reference, particularly if I do not have the luxury of a printer or there is an issue with obtaining the copy. Once the information is lost, it is lost. Also, have tried to find the credit reporting agency that submits the information to the bureaus with no luck. Please advise. Thank you for your understanding and assistance in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXXXXXX ]
I received a settlement offer from Transworld Systems Inc for {$0.00}. I called them to take the offer and was told they wanted me to fax the offer to them for review. I faxed the letter on XXXX/XXXX/2016 at XXXX. I called to confirm they received the fax. I was told they did and to give them 14 days to review the letter. I called back on XXXX/XXXX/2016 to check the status and spoke with XXXX XXXX. I was informed they never received the fax and to resend it. I resent the fax on XXXX/XXXX/2016 at XXXX. I was told that Transworld Systems Inc will not be honoring that offer.
I requested to the primary cardholder to be removed as an authorized user on account. Cardholder made request to Capital One several times to remove me as an authorized user, however, Capital One continues to report account open on my credit report as open.
I have disputed  XXXX  public records that are showing in error on my credit report. I have sent certified letters requesting that they validate it and provide proof of who and what they have that verified the information. They are verifying through a  3rd p arty agency, not the original creditor. I have already spoke with the original creditor and they have verified that the credit bureau has not contacted them, and that they could n't provide the verification to them anyway by law. However even after submitting this information and requesting validation again, the credit bureau has continued to just send me notices saying that it 's been validated.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

Transunion Unauthorized Inquiries : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX- Inquiry from XX/XX/XXXX XXXX XXXX- XXXX XXXX- Inquiry from XX/XX/XXXX Merchants XXXX Inquiry from XX/XX/XXXX Merchants XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Unauthorized Inquiries : XXXX XXXX, Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Usa Inquiry from XX/XX/XXXX XXXX , XXXX Inquiry from XX/XX/XXXX
I have spoke with this company and advised that this is paid in full and also called the regular creditor first energy on XXXX way with a rep to confirm and this was deleted off my report XXXX weeks ago and now brought back on my report XX/XX/XXXX. This is paid in full and i need this company investigated as soon as possible. I monitor my report and have been through many collection agencies with medical bills that has been scammers and every rep i 've spoke with have gave me different response. i have already spoken to someone weeks ago that already took care of this a deleted it
XXXX XXXX XXXX, Loan # XXXX  has transferred our VA Mortgage Loan Payments to Freedom-Mortgage without letting us know what is going on. Since the transition finalized by this two Financial Mortgages companies. I did contact Freedom Mortgage Loan # XXXX by ( e-mail ) several times. To let them know, I will not making no payments to my Mortgage VA Loan. Until Payment Rectification is make to my Escrow Payment. Since XXXX XXXX XXXX defraud me and my wife with our ( Tax-Exemption ) never been removed from our Escrow payment ever since XX/XX/XXXX through XX/XX/XXXX Seven payments has been made to our home since with tax including, Never remove from our Escrow payment at all. Therefore ; its a breach of contract, as well defrauding us with our Mortgage payment. Its also falls under : " False Statements Statute U.S.C. 1001. Section 2 '' Especially, the general Statute, 18 U.S.C. 1001, which makes it a crime in dealings with the fedral government to ( 1 ) falsify or conceal a material fact, ( 2 ) make a materially false statement, or ( 3 ) make or use document known to contain a materially false statement or entry. False statement statute. see also Exculpatory which also a breach of contract against us. We are seeking help to Relegate this Maladminister conduct which become a ( XXXX   ) in America. Nowadays. after 8 years of Collusion conspicuously.
CFPB, " Rent Recovery Solutions '' is refusing to comply with the law. They have YET to supply me with proof that I owe them money and keep sending me documents that do not have my actual signature on it from ANOTHER COMPANY. Then, the only recent response from them was " The signatures on the contract are electronic and our client holds that they are valid. '' That is literally all that was sent to me in my previous complaint REQUESTING A CONTRACT BETWEEN ME AND " Rent Recovery Solutions ''. Please tell me how in the world this addresses the issue. It doesn't. ACCORDING TO THE FCRA & FDCPA, THIS IS NOT SUFFICIENT OR VALID. A contract between me and " Rent Recovery Solutions '' must be supplied to me, and if it is not, then they MUST DELETE this account from my credit reports.
Living in the area of XXXX that flooded, our home took on over 3 feet of water. We lost everything as we also had sewage backup into the house. Due to the large amount of devastation in our area and the fact that we had to vacate the home it took awhile to get our insurance company to inspect the damage. Once we received a check from them we sent the check to Ditech our Mortgage company. Since we are capable of doing the repairs ourselves we asked them to return the overage of approximately {$35000.00} to us. They received the check ( overnight mail ) on XX/XX/XXXX with a letter asking for them to pay off the account. 
I was told on one of the calls that it would take about XXXX working days for this to be done. As of today, 3 weeks later, nothing has been done with the check. I have called numerous times and each time I am given the run around with no real resolution although the people I talk to want to assure me they are doing the best they can. Today I was told the pay off check will be mailed from XXXX to their pay off center in XXXX. tomorrow. 
Why was n't this done 3 weeks ago? If it takes them another 30 days to release funds to us ( which they inform us is possible ) that means we will be out of our home for over 4 months before we can begin repairs so that we can even move back in. The least I expect out of any company is to meet the needs of the customers especially in situations such as what the majority of our neighbors are dealing with. The fact that they have had the check for 3 weeks and nothing has moved forward with it is beyond excuse! We are in great need of a quicker resolution which Ditech does not seem to understand the urgency of our situation. We currently have XXXX people, XXXX adults and XXXX children living in a XXXX bedroom, XXXX bath apartment as this was the only living situation we could find. 
We would greatly appreciate help in getting a quicker resolution to this. Ditech being very vague in giving us a time frame of anything less then 30 days is not helping the mental frame of XXXX lives. 
If you need more information I will gladly assist. 
XXXX and XXXX XXXX, XXXX XXXX XXXX
I am victim of mail and identity theft. Case has been filed and is being prosecuted by XXXX, XXXX Office. I have notified all XXXX credit agencies and, yet, they continue to post fraudulent information. XXXX, XXXX, is latest lender to post delinquency and seek collections, even though I notified XXXX several months ago that the application/s they 'd received in my name were fraudulent. Additionally, my credit has been dropped a XXXX XXXX (! ) points for a new mortgage and not sufficiently paying down on mortgage. This is a refi following a divorce and I have over XXXX equity in the home. PLEASE take control of these companies ; I was refused an XXXX phone service contract by XXXX Bank because of this!
I recently found 2 different prepaid Visa debit cards that were gifted to me on different occasions. One was for {$25.00} ( valid through XX/XX/XXXX ), the other for {$50.00} ( valid through XX/XX/XXXX ). They were both more than 2 years old but had been hidden in a box where I recently discovered them. While the fine print on the back of the packages state the amounts will start getting deducted after inactivity, I don't think that companies should be able to do this since they are paid for and treated as cash. When I checked the balances online, both indeed had {$0.00} balance.
Tried to log on to seterus.com to make a payment, multiple times. Each time I received an error message that directed me back to the main page. Attempted to make a payment via the telephone service. Made it part way through the service and received a recording stating that they were having technical problems and was disconnected.
Dear Sir or Madam : This is a counter letter response to the email I received on XX/XX/2018 from the Texas Attorney Generals Office. 

Immediately remove the ILLEGAL medical FALSE DEBT charges from all 3 CREDIT REPORTING AGENCIES. I HAVE CONTACTED AN ATTORNEY TO PURSUE A LAWSUIT AGINST XXXX DBA as XXXX XXXX. Reason for suit is because XXXX XXXX falsified documents to the attorney Generals office regulating private personal information regarding HIPPA law violations. Also, a lawsuit against XXXX   XXXX and XXXX XXXX XXXX XXXX for double billing me as well as my XXXX XXXX XXXX. XXXX XXXX XXXX XXXX over charged and subsequently XXXX over paid. My Family was assured by the Doctor and Hospital that I would not be double billed by a botched XXXX  procedure performed by XXXX XXXX XXXX XXXX. I was informed on XXXX XXXX XXXX business name is XXXX DBA as XXXX XXXX. 

I didnt know my medical rights and due to a botched XXXX, this matter will be resolved by a third party. Your correct I did sign a promise note BEFORE XXXX was performed to be billed for one XXXX  and not billed for two. Also, at the time I didnt know they over charged my insurance company for twice the amount. Lastly, I was never informed and never received the HIPPA Law rights. 

XXXX XXXX suppressed documents. They violated the Federal Medical HIPPA Law and XXXX XXXX omitted certain pages suppressing documents when Billing Lead, XXXX XXXX from XXXX XXXX ( XXXX ) sent a letter to Attorney General XXXX XXXX   Office for a settlement offering to accept a one-time payment of {$400.00} paid in full on XX/XX/2018 and then I received the email from The Texas Attorney Generals office response on XX/XX/2018. XXXX XXXX sent only twelve ( 12 ) documented pages to The Texas Attorney Generals office. However, 5 pages of the 12 submitted to The Texas Attorney Generals office I have never seen before. XXXX XXXX from XXXX XXXX suppressed the real medical file they have on me. I again have included the actual total documented twenty eight ( 28 ) medical pages they have on record and prove they distributed my medical information on XX/XX/XXXX at XXXXCDT. I have mailed to everyone involved in my credit dispute exactly the twenty-eight ( 28 ) documented pages of my medical file that XXXX XXXX acquired from XXXX XXXX XXXX XXXX XXXX and then delivered all twenty-eight ( 28 )  documents of my private medical history to XXXX XXXX XXXX XXXX XXXX XXXX, and consequently violating the Federal HIPPA Law. 

Please see the attached documents and see notes on bottom and top of each page. XXXX DBA as XXXX XXXX is a foreign company and has no right to my medical information. 

All future communication will be handled by my attorney Thank you, XXXX XXXX
I was called by National Enterprise Systems. When I asked them if they were a debt collector attempting to collect a debt they refused to respond to the question.
DISCOVER BANK IS REPORTING THAT I OWE A DEBT IN THE AMOUNT {$1100.00} I REQUESTED VALIDATION OF THIS DEBT FOR AT LEAST 90 DAYS. THEY HAVE NOT VALIDATED THE DEBT TO SHOW HOW I OWE THIS BALANCE TO THEM
The student loans are a result of ID Theft. The loans were deleted from Salie Mae in XX/XX/XXXX because the loans were determined to be fraud. The sold them to XXXX XXXX XXXX.Under 609 law XXXX XXXX XXXX does not or can not provide the copies of the Promissary notes from Salie Mae. Navielent has my Adfidivit with Notary sent on XX/XX/XXXX. I want to sue them based off the CFPB case with Salie Mae because the loans were deleted or remove as a result of Fraud. Now Navient and XXXX XXXX XXXX will not delete {$100000.00} from my credit. I need to buy a home. Please help me XXXX email XXXX XXXX
I saved money in as required by Citi Account Package, and I was promised to get {$400.00} Cash Bonus if I saved certain amount money for 3 month when I opened the account less than a year ago. I asked the staff recently, and they said I satisfied all the requirements. But now several weeks past, I saw nothing. I contacted them several times, but they said they are investigating this and had some TECHNICAL DIFFICULTIES.
I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,
Resurgent Capital Services has again given another generic response. The are providing their statement of balance with no attached proof, documentation, nothing of original or accurate with this account they are reporting on my credit report inaccurate. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA They havent provided anything that FCRA requires per Section 611 ( 5 ) ( a ) of FCRA ; Section 609 ( a ) ( l ) ( a ) & Section 611 ( a ) ( l ) ( a ) of the LAWS that protect me.
This company keeps calling after I have asked them repeatedly to stop calling. They are calling my phone on Sundays as well. XXXX XXXX. Unwarranted calls.
I recently obtained copies of my credit reports and I noticed The company Portfolio Recovery. I have no idea who they are and I do not in any way owe them anything. Upon investigating this issue I found that Portfolio Recovery is not licensed to collect a debt in the state of Georgia. Therefore they are operating illegally by attempting to collect this inaccurate debt from me by reporting it on my credit files in an adverse capacity.
This is my third complaint against Halsted Financial Services , LLC . They keep calling me despite my request almost a month ago to stop. I filed complaints which were responded to by XXXX XXXX of Halsted Financial Services , LLC . I spoke with him personally and he assured me the calls would stop. The next day I received 1 call, and today, 5 days later I've received 4 calls within a few hours originating from  XXXX caller IDs. It is my hope CFPB is able to take further actions against Halsted Financial Services, LLC for what I now consider gross disregard of my requests.
ON OR ABOUT XXXX 2017, I RECEIVED A CALL FROM SOMEONE, WHO DID NOT GIVE ME THE CORRECT NAME, THAT WAS ATTEMPTING TO COLLECT A DEBT FROM ME, XXXX XXXX, I PURCHASED A VEHICLE FROM TEXCAP BACK IN XXXX 2017, FROM XXXX TO XXXX I HAVE NOT MISSED ANY PAYMENTS, I DID SOME RESEARCH ON TEXCAP, AND FOUND OUT THEY ARE NOT REGISTERED WITH THE STATE OF TEXAS, TO PRACTICE FINANCE AUTOMOBILES, THIS INFORMATION I GOT WAS THROUGH THE SEC OF STATE OF TEXAS, TX IS WHERE I LIVE AND WHERE TEXCAP IS PRACTICING BUSINESS, AND THEIR BUSINESS LOCATION, ON XXXX XXXX, A DEBT COLLECTOR CONTACTED ME, BECAUSE I MAILED IN A CASHIERS CHECK TO TEXCAP FOR MY XXXX PAYMENT OF {$670.00} ALONG WITH MY LETTER OF ALL RIGHTS RESERVED NOTICE, ASKING THEM TO PROVE THE DEBT? THAT IS WHEN THE DEBT COLLECTOR CALLED ME, VERY ANGRY AND DISRESPECTFUL, ON A RECORDED CALL FROM MY END, THAT I HAVE INSTALLED ON MY LINE, TELLING ME, HE DO NOT HAVE TO VALIDATE THE DEBT, HE IS CHARGING ME AT ALL, HE SAID IT OVER AND OVER THAT TEXCAP DO NOT HAVE TO PROVE, THE DEBT, AND SINCE I SENT TO THEM A NOTICE THAT WAS NOTARIZED ALONG WITH MY PAYMENT, TO LET TEXCAP KNOW, UNLESS THEY SEND PROOF OF THE VALIDATION OF THE DEBT, THE PAYMENT BEING MADE IS FINAL, I PUT ON THE MEMO OF THE CASHIERS CHECK " CONDITIONAL ACCEPTANCE '' MEANING THAT IS FINAL PAYMENT IF ACCEPTED. I MAILED IT BY US POSTAL CERTIFIED ALONG WITH MY " NOTICE '', NOW TEXCAP AFTER REFUSING TO PROVIDE PROOF OF THE DEBT, THEY ARE HARASSING ME WITH PHONE CALLS AND MAILING BILLS TO ME, AND THEY THREATENED TO TAKE MY TRUCK, EVEN THOUGH, I HAVE ASKED THEM IN WRITING TO VALIDATE THE DEBT, AND THEY ARE REFUSING TO COOPERATE ON PURPOSE BECAUSE THEY ARE COMMITTING FRAUD, I AM SENDING IN PROOF OF THE EVERYTHING, THAT I HAVE DONE TO NOTIFY THEM, AS WELL OF THE BILLS THEY ARE CONTINUING TO MAIL TO ME AFTER BEING ASKED TO DISCONTINUE NOTIFYING ME UNTIL THEY PROVIDE THEIR PROOF OF VALIDATION OF DEBT.