WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX RE : THE ACCOUNT HOLDER HEREIN REQUEST FOR COMPLETE AUDIT OF THE ACCOUNT I XXXX XXXX, HEREIN ATTEMPTED TO REQUEST FOR A COMPLETE AND THOROUGH AUDIT REVIEW OF HIS CITIBANK CREDIT CARD ACCOUNT. THROUGH THE CITICARD SECURE MESSAGE SERVICES, AND SOMEONE DID N'T WANT ME TO FILE MY DISPUTE. SO THEY DENY ME ACCESS, AND BLOCK ME FROM FILING MY CLAIM. AND FOR THE ADDITIONAL REASONS WHICH FOLLOWS : ( 1 ) I HAVE REASONS TO BELIEVE THAT THERE IS SOME INACCURACY IN MY ACCOUNT BALANCE AND BILLING. I 'VE BEEN MAKING MY MINIMUM MONTHLY PAYMENTS. 

( 2 ) THERE WERE CHARGEBACKS, AND REFUNDS TRANSACTION ... .THAT WERE MISAPPROPRIATED, AND OR NOT APPLIED AT ALL. THROUGH THEIR DECEPTIVE PRACTICE CALLED CONDITIONAL CREDIT. 

FOR EXAMPLE : IF YOU WERE TO FILE A LEGITIMATE DISPUTE CLAIM. CITICARD ACCOUNT, WOULD GO AHEAD AND GIVE A CONDITION CREDIT. WHILE INVESTIGATING THE CLAIM. THEY IN TURN WOULD FABRICATE A STORY AND SAY ... THAT, THE MERCHANT OR BUSINESS DID NOT HONOR THERE REQUEST FOR REFUND. THEREFORE, THEY ARE TAKING BACK THEIR CONDITIONAL CREDIT. AND WHEN I CONTACT THE BUSINESS. THEY WOULD EXPLAIN THAT A REFUND WAS GIVEN. 

( 3 ) MY BELIEFS IS ... THERE IS SOME FORM OF INTERNAL DISHONESTY AND THEFT, THAT HAS BEEN TAKEN PLACE AGAINST MY ACCOUNT. ..AS FAR BACK? ..WHEN THE ACCOUNT WAS OPENED. 

( 4 ) SOMEONE WITH ACCESS ... WITHIN CITIBANK CREDIT CARDS ACCOUNT HAS REPEATEDLY BLOCKED ME FROM FILING MY CLAIM THROUGH THEIR SECURE CITICARD MESSAGE PORTAL. WHICH MIGHT BE THERE ATTEMPT TO COVER-UP THEIR WRONG DOINGS. 
PLEASE FORWARD THIS MESSAGE TO SOMEONE WHO IS ABLE TO INVESTIGATE THIS MATTER. 

RESPECTFULLY SUBMITTED BY XXXX XXXX
XXXX Sponsored XXXX XXXX XXXX. 
Upgrade to XXXX  RE : EMPLOYMENT CHECK XXXX. 
To XXXX & 20 more XX/XX/XXXX at XXXX XXXX  I am writing in regards that I received an check that was not cashable. Therefore, correcting the matters for future reference from reoccurrance. 

On XX/XX/XXXX, I received an check for the amount of {$390.00}, for the period beginning of XX/XX/XXXX and ending XX/XX/XXXX, check number XXXX issue to XXXX XXXX, Sales Associate ID : XXXX. 

The check that was issued to me had an issue at PAY-O-MATIC, loss and Prevention Department, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. The Letter I received from Pay-O-Matic stated, " The following check was returned to us unpaid for the reason listed below. The items was cashed for value, in good faith, in due course and without notice of defect. 

Maker : A Division of The Department Return ID : XXXX Check # XXXX Return Reason : Stop payment- C Check Date : XX/XX/XXXX Returned Date : XX/XX/XXXX Check Amount : {$390.00} Returned Check Fee : {$30.00} Total Amount Due : {$420.00} We can not redeposit this item an require that you remit full payment to us in the amount of {$420.00}. '' I would like an full investigation on the matter investigated. This is not supposed to be happening. At this point this looks intentional and deliberate. 

Thank you for your time an consideration, it is greatly appreciated. If I can be of further assistance to this matter you can reach me at XXXX or XXXX. 

Sincerely, XXXX XXXX
On XXXX XXXX, I called Capital One to advise I would be submitting a payment for {$80.00} to keep my account current. The representative said she would note the account. I paid the {$80.00} and it was credited to my account. Towards the end of XXXX going into XXXX, I got an alert saying on my credit report, that Capital One had reported it 30 days late with a past due amount of {$3.00}. I immediately got on the live chat with someone to advise of the call I made and that the rep did not tell me any different when I said {$80.00}. They did not tell me {$83.00} was the correct amount. Because I would have paid {$3.00} more. The rep on the chat advise he would have it investigated and corrected. I never heard anything from Capital One so I assumed it was corrected. I pulled my credit report again and it was still showing, so I disputed it with all 3 bureau and Capital One is still coming back saying it was 30 days late and this 1 late payment has ruined my credit because they failed to report the account was not 30 days late. Capital One need to contact all credit bureau to advise that the account was not 30 days late as I was not advised to pay {$83.00} when I called to let them know I would be paying {$80.00}. All of this is happening over a {$3.00} discrepancy and misinformation that was given to me. Please have my credit report corrected as soon as possible as I never had any problems with Capital One. I can not believe this has ruined my credit over a so called {$3.00} past due amount when I made the payment for {$80.00} as advised.
I submitted a dispute for a service that caused dmamge to me physically and the denied me because they do not want to eat the cost of the service.
I had an account with XXXX XXXX that was closed as a paid charge off back in 2007. Recently I acquire another XXXX XXXX card and they are mixing both accounts and adding them as the same XXXX. I have never been late on my XXXX account and the charge off should had been taking off as it is passed the 7 year expiration marked. They are confusing these and this is making it impossible for me to get a mortgage. They need to fix this immediately by removing the old charge-off account. I am attaching the most recent statement. Account # XXXX
I have a hard inquiry on my Transunion credit report from a company called XXXX XXXX XXXX. I have had no dealings with this lender nor have I authorized any inquiries on my behalf. This is a fraudulent inquiry.
I CONTACTED BANK OF AMERICA AND ASKED THEM TO SEND ME INFORMATION ON THIS DEBT AND I WAS TOLD IT WAS SO OLD THEY DON'T HAVE ANY INFORMATION. I WANT THIS COMPANY TO EITHER SEND ME THE INFORMATION I AM ENTITLED BY TO LAW OR REMOVE THIS FROM ALL CREDIT REPORTING AGENCIES.
The loan was approved for a trial modification while the XXXX law Firm was representing XXXX and XXXX XXXX for a loan modification in XXXX of XXXX. Thereafter, XXXX and XXXX XXXX made all of the trial modification payments and has continued to do so and SLS has accepted the payments. Unbeknownst to XXXX and XXXX XXXX, the permanent modification was allegedly sent to XXXX XXXX XXXX XXXX # XXXX, an address that was not listed anywhere in the RMA or application for assistance nor did the XXXX XXXX XXXX request for documents to be sent to this address. Additionally, the XXXX specifically requested assistance on the primary residence and listed the mailing address for the subject property of XXXX XXXX XXXX XXXX XXXX, FL XXXX. On XXXX XXXX, XXXX, the XXXX Law Firm contacted SLS to inquire as to the status of the permanent loan modification. IN response, on XXXX XXXX, XXXX, XXXX informed our firm that the permanent documents were sent to the alleged address provided by the borrowers and that the loan modification was being rescinded. We have attempted to ask SlS to re-open the modification and comply with the terms and conditions of same. However, SlS refused to comply with the offer and now wants our clients to begin the process from scratch. As the failure to timely submit the loan modification back to the lender was due to the fact that our clients did not receive a copy of the modification until the modification was sent to our firm, SLS must be required to finalize this loan modification.
This is a company that goes by the name XXXX XXXX. They have been harassing my family and my in-laws. They even called my fianc at his place of business. They are threatening to sue me for a debt that is beyond the statute of limitations. The debt is over 8 years old and is no longer on my credit report.
The bank 's security department has frozen my online access and is demanding some very unusually technical steps on my part to restore service. I can not access my checking or savings online or use bill pay. This decision is being implemented and rendered by a back office in XXXX.
I have supplied the credit reporting Agency documentation from Police department and the Bank which I was victim of Identity Fraud. Proof was sent by certified mail, fax and email. 
XXXX first did not acknowledge that they received my documentations and numerous phone calls. Later they simply do not respond to their own inquiry regarding the proof and supply of the documentation to properly investigate. I have even provided them with the contact information of XXXX County Police Department XXXX investigating the fraud occurred on my behalf at the bank which was funding my mortgage payments. I even provided in writing the all required contact information of the bank manager. An official letter from the bank that all my asset were frozen due to the ongoing fraud investigation at the branch.
Greetings. I am writing because in attempting to settle a cellular phone debt with Enhanced Recovery Corporation and credit card debt with XXXX XXXX, I was told by both debt collectors that they could not provide me with proof of the debt in writing. I am being called constantly to settle the debts however feel that I should not be forced to pay without receiving proof that they own they debts as well as the terms for settling the debts. I 'm just being told to pay up and then it will be reflected on my credit report. I am requesting assistance with this matter. 
Sincerely, XXXX XXXX
Yes, on XX/XX/XXXX, I sent a Goodwill letter to the CEO, XXXX XXXX XXXX, I explain to him that I was in a consolidation program back on XX/XX/XXXX, and my payments were being made on time, from the time that I started the program I received notices from the XXXX XXXX that my balance was 0, I was told during the program that for 1 year I would not own any money for my student loan, I never heard anything from the company that I did the consolidation with so that I could renew the program after that year. I received another statement from the XXXX XXXX company, and it showed that I owed around {$750.00} for a monthly payment, well I was in shock, I tried reaching out to the consolidation company, but with no luck, they had went out of business, I reach out to another company, but in the mean time I was going into default with my Student loans. I sent the CEO a good will letter, because me and my husband want to purchase our first home in XX/XX/XXXX, I poured my heart out to him regarding the situation at hand, now I know that plenty of people have sent goodwill letters regarding their student loans reporting late on their credit reports, and the late payments were removed from their reports. I really need this because, we may not have a chance of purchasing a home with this showing on my credit reports. I received a letter back from supposedly the CEO, XXXX XXXX XXXX, and they refuse to remove it, now if your going to do it for other people, why could n't I have mines remove as well, I 'm not trying to get out of paying, I have joined another consolidation company, and my loans are being paid as suppose to as of this date, I was just asking for a little help to get my credit looking better, I do have the letter that was sent to be regarding their decision to not honor my request, I guess what I 'm saying is show favoritism for others and if you wo n't help someone who took the time to send a Goodwill letter to you regarding needing help so my family and I can become home owners.
I was five days late on making a {$55.00} payment to Sallie Mae and they began to harass my husband at work, calling XXXX to six times a day and telling him he needed to make payment immediately. They have NEVER contacted me and I am the loan-holder. Additionally, I made payment seven days ago using online bill pay, which generally takes one day to go through as it is merely a matter of transferring funds from XXXX back to another. On the most recent call, I was with my husband when he answered the phone ; I got on the line and explained to the customer service agent that no one has ever called me about the loan and I 'm the person who holds it. He claimed that people had been calling me for days, which is not at all the case. I went on the Sallie Mae website to ensure my phone number is correct, and it is. My address is also correct, though I have not received any type of correspondence from them. They will not stop calling my husband, even though I 've made payment and my husband is not the loan-holder. They wo n't listen to anything we tell them on the phone ; the only thing the customer service agents will say is, " You must pay immediately '' and " How would you like to pay? '' I am concerned my credit may be negatively affected if they report non-payment ; I am similarly concerned my husband will lose his job because of all the calls he is getting throughout the day at work.
In accordance with FCRA & 650B paragraph ( a ), Equifax , is required to block reporting, within four days of notification, accounts that the I the CONSUMER have identified as identity theft related. I have identified the following accounts to be identity theft related : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 6. Cash Call XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX I have identified these accounts to be identity theft related and have requested that Equifax delete these accounts from my good credit record in accordance with FCRA & XXXX paragraph ( a ) which specifically stats the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
I have satisfied the requirements of notification and provided a police report, identity theft affidavit, proof of identity, identification of fraudulent accounts, and statement of identity theft. I demand that Equifax remove the accounts from my credit file as ordered by law FCRA & 605B paragraph ( a ).
My name is XXXX XXXX, I purchased a property and obtained a conventional mortgage with Quicken loans at XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX on XX/XX/XXXX. I recently received a threatening letter from XXXX County Treasurer regarding unpaid property taxes for XX/XX/XXXX before I even purchased or occupied the home. I have had XXXX contacts with Quicken loans since I obtained that letter on XX/XX/XXXX. Quicken did the research and has come back with an excuse that they did in fact make an error at closing but refuse to cover the {$900.00} plus dollars the future tax lien would be for. Quicken then takes my already escrowed taxes for XX/XX/XXXX and pays taxes for XX/XX/XXXX before I even purchased the home! The Quicken team member and her manager XXXX indicated that the closing team made an error and then put a notified credit on the buyer 's side of the HUD and lessened my closing costs. Quicken also admittedly indicated they did NOT disclose any of this to us at closing, no disclosures, no additional escrow, no payment for past due taxes. They are now threatening default on my property for an error they acknowledge they made. I advised them I would not be covering this, I escalated it as high as I could with the Quicken staff, and they refuse to move forward with remedying the error. 
This is predatory lending XXXX and violation of RESPA knowing I was already tight on closing money coming in, they chose to hide this from me, and never notify me until I found out. They refuse to provide a disclosures or signed documents specifically speaking to the past due taxes, extra escrow, or required payment. If this goes into default, this will put my wife, XXXX young children, and me on the street with no financial means to recover from this. All quicken calls are recorded in which you can listen that they acknowledge the error but wo n't correct. My intention in addition to starting with the CFPB is to escalate this to all regulatory agencies until resolution is obtained. 

My contact information is as follows : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
my payroll direct deposit was never credited to my account, they are blaming a computer glitch however as of today, they have not made good on those funds. That 's not a glitch that 's fraud.
I am writing to complain about the extremely poor handling of an identity theft situation at USAA, which has never been resolved. This is the first time I have experienced identity theft, and I am shocked at the haphazard way that USAA handles fraud situations. 
I discovered in XXXX of this year that XXXX accounts were opened in my name ( received a statement by mail ), although I have never had any kind of account with USAA. I immediately called the fraud number, assuming they had a system of handling such situations efficiently. However, I found that was not true. I had to call over and over, each time getting another agent, and having to explain my situation again and again. I also received conflicting information from the various employees I spoke with. Many of them promised to call back, and only one ever did. I was not allowed to speak to anyone in the fraud department. They refused to assign one person to my case. 
I was told that someone had enough personal information about me to be able to get through their security questions in order to use the accounts. This was very concerning to me. No one in the fraud protection system seemed to have an efficient process to investigate the situation, or to insure me that my identity was protected.
The creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX collecting for Bank of America. They are reporting negatively on my credit report and I have sent them several validation of debt request letters requesting them to furnish signed documentation as a validation of the debt and they have not done so.
I WAS CHARGED FOR SEVERAL CHARGES ON MY CHASE XXXX CARD AND I REPORTED THIS TO CHASE XXXX BACK WHEN IT HAPPEN AND THEY DID NOTHING TO HELP ME.. I WILL LIST THE CHARGES ; XX/XX/XXXX TIMESHARE XXXX XXXX-XXXX OLD CARD ENDING XXXXXX/XX/XXXX TIMESHARE XXXX XXXX OLD CARD ENDING XXXX XX/XX/XXXX TIMESHARE XXXX-XXXX OLD CARD ENDING XXXX PLEASE HELP ME GET MY MONEY BACK. I AM A SENIOR CITIZEN AND LIVE ON A FIXED INCOME.. THIS IS SENIOR CITIZEN ABUSE, AND ITS SAD THAT THEY DONT BACK THERE CLIENTS..
Hi, I am an XXXX of an XXXX. I am writing to complain about PayPal 's unethical and potentially illegal business practice in regards to payment processing. My company manages and operates over XXXX. We used PayPal as a payment processor to process XXXX. Starting in XXXX 2016, PayPal started withholding 20 % of our funds for each sale as a reserve which is meant to cover chargeback transactions. We have since stopped using PayPal as our payment processor as we feel like this is excessive after reviewing our chargeback activities for the past 2 years. As of today, PayPal is holding over {$170000.00} of our 's and our client 's money. We are on verge of bankruptcy due to this business practice by PayPal as we are unable to pay our clients and our vendors. We are asking for the Bureau of Consumer Financial Protection to look into this matter and assist us in getting our money back. So that a business that has been operating for over 10 years does not go out of business.
XX/XX/XXXX I received a call from Navient that I returned the following day while at work. The woman from Navient that answered my call told me that they needed the death certificate of my grandmother whom was my co signer on my loans. I understood that and said I would obtain this information. She then proceeded to tell me that my loan repayment plan - which I have been on since XX/XX/XXXX and have been making faithful, regular, payments in full without failure despite the hardship it costs me - apparently expired effective XX/XX/XXXX. She said that " If you answer a few questions I can help rectify this situation '' she asked me questions about certain monthly expenses I incur every month. I told her I was at work and could not answer these questions accurately without my statements at home. She insisted I answer her limited questions and I did so. She then tells me my " new plan application '' is denied, that I no longer can pay the $ XXXX/month that I have paid since XX/XX/XXXX, and that now must pay $ XXXX/month on my loans. She quickly noted that I can not appeal this determination. I was irate and went home and called Navient back with my expenses in front of me. XXXX ( Employee # : XXXX ) told me the same information and stated that unless I provided Navient with 3 months of bank statements, I can no longer pay my usual amount. Time and again I have told Navient that I simply can not afford to pay anything more than $ XXXX/month on my loans or else it will create a severe financial hardship upon me ( which it did the first time Navient misinformed me about my loans ). This has fallen upon deaf ears. I am a recent college graduate and earn XXXX / month. I incur {$1400.00} in expenses each month and that does not include the {$450.00} for my loan. After I pay my loan, I 'm lucky if I have even {$50.00} to myself to enjoy my life. I have nowhere else to turn to.
After sending information to verify myself with my disputes XX/XX/2018, Equifax, XXXX, & XXXX has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. 

If a response was sent, can they please be resent?
on XXXX/XXXX/XXXX Midwest Recovery Systems, XXXX placed a collection item on my XXXX credit report and then on XXXX/XXXX/XXXX they contacted me by phone about an installment/payday loan (? ) from XXXX XXXX XXXX. At that time I indicated that I had no knowledge of this debt and requested that they send me something in writing so I could investigate. They only thing they wanted to reference ( verbally ) was an IP address which means nothing to me.

It 's now XXXX/XXXX/XXXX and I still have n't received anything in writing from them. It 's my understanding that they must send me something in writing within 5 business days of initial collection action/contact. 
Ironically, on my credit report there 's already a notation that this is disputed and I did n't file this. I 'm assuming that it was done by XXXX, but I do n't know.
I have been contacted, interrogated and harrassed daily and numerous times a day and by a collection agency, SRA Associates located at XXXX XXXX XXXX, XXXX, NJ The phone numbers they are calling from is XXXX, XXXX, XXXX amongst others I can not retrieve The debt they claim I owe is for XXXX XXXX for a balance of mileage on a previous lease. I have never received a letter from this company however I do acknowledge the debt. I offered to pay {$50.00} per month and a man named XXXX refused to accept. He has repeatedly called my phone, my daughters ( who was a cosigner at the time ) and her husbands phone as well every day, several times per day. 
I am dealing with my sick husband at this time and can not deal with this harassment any further therefore would like to file a compliant. I have no problem trying to resolve this debt but will not tolerate the abuse and poor way I have been treated