WillisBack/dataset-financial-user-claim huggingface dataset:
I am highly concerned by the actions of Capital One. They have now called me for the fourth time today wanting to talk on a conference call to my bank, they want me to verify name, bank accounts that I use, ownership of accounts, and information over the phone. I have spoken to the corporate offices and they tell me there is no record of these calls and they are " so sorry. '' However, everytime they have threatened to restrict use of my credit card even though it has an over payment credit on it, and they stop all useage of my card each time. They force me to have conference calls with the bank AGAIN, and give them all information then they release the hold of my funds. My concern is the lack of recording all these episodes and even when I speak with a supervisor they tell me that there are no " notes '' in the files to documentation. 4 conference calls to XXXX to hear me say all my confidential information. The Capital One employee on the phone as I write says she can not say what the problem is, '' there are extensive notes. '' They leave me on hold for 17 minutes while they 'look up '' the number for XXXX . There is concern on my part for the unprofessional conducting of business that has created over 6 documented hours of time with Capital One or they threaten to restrict my account. This company is not up to the banking standards I would expect from a company that handles banking transactions when they take payments, lose payments, find payments, return payments and can not keep notes.
Back in XXXX I had an offer on my house to sell it. I am in a Chapter XXXX bankruptcy. I requested a payoff amount from Ditech Financial and they provided me one that was incorrect. I sent notification of my concern to Ditech. I used the payoff amount anyway and wanted to settle up after the close rather than delay. The closing was postponed until XX/XX/XXXX. I requested another payoff and the Ditech then sent a letter to the court saying wanted a hearing to make sure that I was selling the house for more than the mortgage which was a delay tactic since they had the signed offer and they knew what my mortgage was. They requested the hearing and it was set 2 days after my closing date! The buyers backed out and I was left with lots of expenses. I got a letter shortly after that from Ditech saying that they were in error on the first payoff and I was correct with my numbers. 
I have another offer on my house and I requested the payoff 30 days ago and have received nothing. I called this past week and they said they could not send me the payoff it had to go to my lawyer? This is after they had already sent me directly payoff information. I am being ruined financially and my wife is on the verge of a nervous breakdown. it is obvious that they are doing this with purpose and malice. What can I do. I am also giving all of the money I get from the closing to discharge the bankruptcy. So this is action by Ditech is preventing me from doing that as well. This is predatory. What can I do? I just want out and get on with my life. Please warn people about Ditech
I started receiving debt collection notices from Shellpoint Mortgage Servicing inXX/XX/XXXX. The debt collector was notified several times by me that the debt was disputed, that I demanded validation, and that its responses were confusing and unclear. InXX/XX/XXXX I notified the debt collector to cease and desist. 

The debt collector claims I owe three different creditors for the same alleged debt : XXXX XXXX XXXXl, Shellpoint, and XXXX XXXX XXXX. I do not owe any of these entities money. 

The debt collector claims the original creditor is XXXX XXXX XXXX XXXX XXXX, an operating subsidiary of a XXXX XXXX. No such entity exists. Mail sent to it was returned undeliverable and unable to be forwarded. Representatives at the number given for it stated they had no record of lending me money or a security interest in my home. 

The debt collector is not registered with the GA Secretary of State to do business in Georgia. 

The debt collector filed a false document in the property index - an alleged assignment of security deed to it. 

The debt collector has failed to provide the validation demanded and continues to attempt to collect.
Caliber had me work with them doing a loan modification. I submitted my documentation multiple times over and over again and I documented every call and every submission I sent. They continued the foreclosure process ( dual tracking ) as they were working on my loan modification. I have a foreclosure date of XXXX XXXX and very little time to do anything other file for bankruptcy.
called and said he was from google trying to collect {$1400.00} for advertising i never asked for
Someone claims I owe {$790.00} for a payday loan thru XXXX. I have not taken any payday loan from this company and this is the second time someone has reached out to me regarding a balance I owed over 3 years ago.
TransUnion uses antiquated web programming that according to their own technical support people and support pages does not support XXXX / XXXX / XXXX / XXXX and only supports PCs. In today 's world, this is an absurd limitation and puts an undue burden on the consumer. With their tech support on the phone I tried to login using XXXX, XXXX and XXXX browsers on a XXXX. None of them worked. I subsequently tried to login from a work PC laptop I still had around and still I could not login. Their solution??? Send you a copy in the mail a week later!!! Worse yet, without login to web interface it makes it near impossible to dispute issues because their operators barely speak XXXX and are complete idiots. Worse yet, their data is completely erroneous and is not even close to the other bureaus. There should be financial penalties against credit bureaus that consistently misrepresent your credit history. I have had a house for 32 years and a mortgage for years. Sure, it has changed hands due to banks going bankrupt, but they punish my score because they suddenly say I do n't have a mortgage anymore even though the lender has not changed recently.
I am a victim of identity theft and Equifax has not removed these fraudulent accounts after I have submitted all the necessary reports to get them removed. My credit scores are suffering as a result of these accounts still being on my credit report.
I opened a New CitiGold Checking Account online http : //www.offer.citibank.com/ with a promotional code XXXX for a bonus offer. The bonuses offered XXXX AAdvantage bonus miles in exchange for opening a CitiGold account and set up a bill payment for at least 2 consecutive months, and make at least {$1000.00} in debit card purchases. 
I called Citigold right after I applied the account on XXXX/XXXX/2016 to ensure that I am eligible for receiving the XXXX AAdvantage bonus miles, I confirmed with a representative from Citi that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. I met the requirements XXXX/XXXX/2016. I was asked to provide my XXXX XXXX account number to Citi so they would be able to credit the miles. 
When the miles had not posted a few days after the XXXX, 2016 statement, on XXXX/XXXX/2016, I called Citi to follow up on receiving my miles, The Citigold representative confirmed that I had indeed completed all requirements associated with the aforementioned promotion code, and that, per the terms and conditions of the offer, I would receive the miles 90 days from the end of the statement cycle in which the requirements were completed. 
However I was then informed by Citi on XXXX/XXXX/2016 that I was not eligible for the promotion since " There was not a promotion offered in conjunction with the opening of your account '' ( see attachment ). 
As stated above, I met Citi 's requirements and was eligible for the promotion as I was adhering to their terms and conditions for the promotion. I do not appreciate their continued willful denial of these terms, and their refusal to award me the points I have earned, all while I still keep an outstanding balance in Citigold account per their request to avoid the monthly fee. 
This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was not for this promotion. I am requesting Citi to honor the set promotion. If I was indeed not targeted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not do it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. It has been weeks of dealing with this and I am very disappointed that Citi would mislead and treat their customers in this manner. 
I am a consumer who has been a good customer of theirs and has never missed payment on any of my services with them. Their denial of this promotion to me, despite their own employees confirming I was eligible prior, feels like a bait and switch tactic. I am turning to the CFPB as I feel I have no other resources. Thank you.
I recently disputed several accounts on my credit report. I also contacted the companies and agencies in question asking for validation information and have not been provided with any.

According to my credit reporting rights and its laws, the companies never contacted prior to placing anything negative on my report as required ( neither email or mail ).

I have no contract or agreement that i personal or physically signed or enter into with any of these companies, They have not provided me with any proof of this allegation.

The accounts are not mine. the accounts in question are as follows and not mine due to the explanation above.

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX   XXXX   # XXXX  XXXX # XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX
On XX/XX/XXXX, I applied for a SEARS MasterCard while making a purchase at the SEARS in XXXX XXXX in XXXX XXXX, MI. I was accepted and given a credit line of {$6000.00}. I have not received the card. I called Citibank nearly twenty times on XX/XX/XXXX. I was told that I should have received my credit card a while ago. I was told that my address was not the address on the account, and that my phone number was not the one on record so they could not verify that it was me calling. Even though they stated that my phone number and address did not match their records, they left a message on my answering machine using the phone number that they claimed was invalid questioning recent activity on the credit card. I was told that they would send paperwork to my address according to public record immediately. I have not received anything. I was offered twenty off my purchase at Sears by applying for this credit card, it would have been worth the extra twenty to have avoided the stress this is causing me.
Wells Fargo Mort has yet to provide me the Notary book sign or any proof from the state of secretary of state of California notary. There has not been no such document from the state by Wells Fargo Mortgage as proof I sign and that my signature appears in the notary book with my signature.

As stated before the California All Purpose Certificate was never given to me or presented to me by Wells Fargo Mort.

Its been nothing but the run around 1 lie after another same old letter were working on the matter I been getting for year and half now. This is no more than fraud and Wells Fargo mortg.

Wells fargo Mort. does not send documents requested it's always things you don't ask for. Wells fargo sent last time half in XXXX writing. It's nothing but games with wells fargo when it comes to the documents and providing proof of what's ask for. It seems Wells fargo has a bunch of class a dummies that cant read or understand what's requested. I understand wells fargo employees are no more than deceit and lack of morals when asking for the documents. Stop sending things or trying to justify things of documents with no proof from the Sec of state.
I requested a XXXX Loan from M & T bank but it was not processed as I wished. Instead of processing a XXXX Loan the Vice President XXXX XXXX processed an M & T XXXX Loan Application and today I received a denial letter. The Federal Equal Credit Opportunity Acy prohibits discrimination and I am protected under the Consumer Credit Protection Act. My rights have been violated. As well as my credit score could have been effected by her actions.
I am writing to dispute the following information in my file. I recently received a copy of my credit reports   (  XXXX ,  XXXX , and  XXXX  ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all   XXXX   credit bureau agencies because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.
I secured a mortgage in XX/XX/XXXX through a XXXX XXXX affiliate, XXXX XXXX XXXX XXXX, and I was paying them through their own servicing company. XXXX XXXX, in entirety, went bankrupt in XX/XX/XXXX. I stopped making mortgage payments in XXXX/XXXX/XXXX, when I could n't find out who held my title deed and mortgage lien.In XX/XX/XXXX, XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX, initiated a foreclosure suit. However, it was Americas Servicing Company that claimed to be an injured party on all XXXX credit bureaus starting in XX/XX/XXXX. I have never signed any contract or owe any money to Americas Servicing Company. In XXXX XXXX, XXXX removed Americas Servicing Company from my credit report. XXXX and XXXX refused to remove Americas Servicing Company from my credit reports with them in XXXX XXXX. As my credit scores and job opportunities has been negatively affected by Americas Servicing Company under fraudulent circumstances. I want them removed from all my Credit Reports immediately. Americas Servicing Company is a servicing and not a mortgage company. They are not an injured party to my foreclosure case that has languished 55 months without a court date being set by any plaintiff, not even Americas Servicing Company. Please help me resolve this matter as soon as possible
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX XXXX
There is a report on my credit from : FOCUS RECEIVABLES MANAGE XXXX GA XXXX They are claiming I owe {$280.00} from a XXXX XXXX Cable bill. I called XXXX XXXX Cable directly to confirm the charge and to possibly pay them directly if there was a delinquency. Once I talked to XXXX XXXX, they confirmed that I did not owe any money, and that my canceled on time and my last bill paid in full. They said they would make a note on the account, and that if the collection company called to tell them the account is invalided. I tried to call the collection company and was put on hold for two hours ( I left it on speaker, while I was around the house ). I then went online only to find other reviews that stated the same issue with contacting the company.
my car was repossessed while i was in forbearance with nissan motor acceptance. this should not have happened the car was almost paid off the loan amount was orginally for XXXX and i paid it down to XX/XX/XXXX ( XXXX payments left ). i lost my job while XXXX and notified nissan immediately. no repossession fees and interest fees from XX/XX/XXXX have been added and are in collection on my credit report as if its a new debt. this isnt owed and it is unfair.
I found a gas bill in collections on my credit report. It is not mine, we have lived in the same apartment for 12.5 years and it is electric only. I disputed it with Equifax , the only credit agency that showed the bill. They said it 's mine because the collection agency gave them additional information. No one in California would know my information to be able to get a gas bill in my name unless they stole it somehow. No other credit in my name has been opened that I can see. My credit is spotless with no late payments and I would like this taken off my account. I am not sure how to prove it 's not mine since I have no documentation of any kind, having not opened this account.
OnXX/XX/XXXX, I opened a Money Market account at SunTrust Bank - Tradition office for the express purpose of receiving my life savings to the account. The account was created just for this purpose as directed by XXXX XXXX, the Branch Manager. OnXX/XX/XXXX, I had my life savings of {$270000.00} wired to my SunTrust Money Market Account. On XX/XX/XXXX, SunTrust put a hold on the domestic wire and then closed all my accounts onXX/XX/XXXXwithout explanation. Closing Checks were printed for my accounts with the exception of the {$270000.00} which SunTrust has kept from me. I have tried contacting SunTrust on seven different occasions and get different stories. Today, XX/XX/XXXX I was told that my funds are being held and no further information is available for release to myself. My funds have been stolen by SunTrust - and I want my money returned to me by XXXX this Friday, XX/XX/XXXX ; before I go to the media live at XXXX to tell my story and warn others away from SunTrust. SunTrust does not return calls/communications, not even XXXX XXXX herself. I just want my life savings that have been unjustly and illegally stolen by SunTrust! The domestic wire was from the law firm handling my needs and taxes have already been paid on it all as the funds were accrued over the years of owning XXXX XXXX XXXX
Disputed item from XXXX XXXX, last year and was removed from my credit report. The account was not mine. Disputed again, somehow it showed up on my credit report again, also asked for a Method of Verification and was ignored. I have no knowledge of this account. I had no Hospital visits in past years. This is not my account. I have contacted original creditor they can't prove it was my account. This account was disputed last year, and removed from my credit report. Showed up again. Under law the credit bureau is supposed to verify the account before it going on my credit report.
I have no idea who PMAB , LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. PMAB , LLC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 
2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX XXXX as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ PMAB , LLC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 
5. Provide the delegation of authority from the Director of the Office of Management Budget to  PMAB , LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.
sync bank was told to close account for fraud last XXXX and has closed the accounts, however, they were paid before sending me the notice over 650. They keep sending me checks for the wrong amount and continue to refuse to send payment via another means.They keep sneding me legal huff and puff but no payment whatsoever in the correct amount. 

I recieved a check close to one account and tried to cash it at three banks. sync bank dba XXXX XXXX XXXX client bounced the check. At the very least thier subsidiary, walmart, should be able to cash the check. 

I demand immeadiate payment via wire transfer.
BARCLAYS WENT ON MY CREDIT 6 TIMES W/O APPROVAL IN VIOLATION OD FCRA
On XXXX XXXX, 2015 a collector XXXX XXXX XXXX from green Tree Servicing called and I did a SpeedPay payment with her in the amount of {$990.00} plus the {$12.00} Fee. On XXXX XXXX, 2015 the same collector XXXX XXXX XXXX called back at XXXX stating that she made a mistake and the payment was incorrectly applied to my other mortgage account. She stated that her supervisor XXXX XXXX XXXX cancelled the payment from XXXX and that she needed another SpeedPay payment from me. I was leery of doing this but since she said the previous payment was cancelled I went ahead. The next day XXXX/XXXX/2015 XXXX payments in the amount of {$990.00} plus XXXX {$12.00} fees were taken from my XXXX bank account. I called XXXX and she said her supervisor XXXX XXXX XXXX did n't do her job and transferred me to XXXX. XXXX said that she would have the incorrectly applied payment back in my XXXX bank account within XXXX hours plus the {$12.00} SpeedPay fee. I called XXXX on XXXX and XXXX and left voice messages with no response from her. I also called customer service on XXXX and XXXX and they said they would send an email to XXXX and XXXX in collections. As of today XXXX/XXXX/2015 the payment has not been refunded to me and according to Green Tree Customer Service no refund has been processed. I was able to reach XXXX and XXXX today XXXX and was told by XXXX that the refund had been processed.
Dear sir/maam, I paid my XXXX XXXX XXXX XXXX credit card account ending in XXXX in full by settlement that XXXX XXXX XXXX XXXX offered me on XXXX XXXX XXXX. This account was opened in XXXX XXXX and last activity was XXXX XXXX. When I went to go by a home this year in XXXX I was shocked when my credit reported showed that XXXX XXXX XXXX XXXX Documented and wrote the debt off as a charge off ruining my credit for years without notifying me. Thus, I paid large amounts more money for all items that I purchased on credit like my family vehicles. This debt was never a charge off. I have requested twice that XXXX XXXX XXXX XXXX, XXXX, Equifax, and XXXX update my credit report by removing/changing the following by certified mail to no avail : Change any/all charge off codes to their algorithm, the status to be paid only, change balance to {$0.00}, change terms {$0.00}, account was not closed by Grantor request it was closed by my request when they took my money without notification, remove all the late dates, Remove the {$3200.00} written off as did not happen, there should be NO status of any charge off on my credit report. I would willfully volunteer to testify against XXXX XXXX XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
We applied for a mortgage with Waterstone Mortgage Co., a broker located in XXXX, FL and they sent the Realtor a pre-approved letter for a {$110000.00} USDA loan. With our income we could easily make the {$800.00}. monthly payments. We supplied them with bank statements and many other things they requested. They had us jumping through hoops for months, XXXX, XXXX and XXXX. We gave them our XXXX, XXXX and XXXX tax returns stamped by the IRS. Supplied them with rental statements and power company statements for 12 months showing that we pay on time. 

We paid for the inspection and put the {$1000.00} required in escrow. At the last minute they backed out and said they could n't get what they needed from the IRS. Our rental lease was up XXXX XXXX, XXXX leaving us little time to find another rental.