WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm still awaiting a final payoff letter from Citizens One, formerly XXXX Mortgage, and it improperly threatened to charge me a fee. I need the payoff and lien release ASAP because we are trying to close escrow on the subject home. I have asked for the account to be closed several times, including in writing. 

I did not even know I had an account with XXXX Mortgage. XXXX XXXX XXXX transferred my XXXX mortgage there several years ago even though I paid off the debt with XXXX XXXX XXXX. I only found out about it because the escrow company discovered it during escrow proceedings. 

After XXXX of my many calls and a letter to Citizens One, they again confirmed that my now home equity loan has a zero balance. They then faxed me a statement showing a {$25.00} balance for a fax fee, asking me to send them a certified check to close the account. I called to contest the charge because I had never heard of or authorized it, and a supervisor agreed to reverse the improper charge. She also said she would have the company fax me a final payoff letter to close the account the next day. I still do not have that document, and it has been a week. 

Please contact them and make them close my zero balance loan and send me confirmation so I do not get penalized in escrow. If I do, I will seek compensation from them. I would also appreciate some payment from them to compensate me for the hours I have lost dealing with them.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
There was fraud committed on my loan when it was originated in XX/XX/XXXX. The loan origination company intentionally switched me as the primary borrower and made my ex-wife as the primary borrower and the mortgage company intentionally used the wrong social security number on the loan application as mine so that my debts would not show up on the credit report in order to qualify my ex-wife for the loan. 
As a result of this fraud, I have been unable to refinance the loan in my name since my divorce in XX/XX/XXXX because every mortgage company that I applied for a loan told me that the loan with Chase was not mine because it does not show up on my credit report. Consequently the loan has gone into foreclosure due to my inability to refinance at a lower rate. 

I have also submitted a complaint by fax.
The green tree servicing lawsuit amount was {$9500.00} for me but I received a check for {$53.00}. Why? When it is so hard to get Ditch, Green tree, XXXX XXXX to even issue a loan modification after the threats and humiliation from this company. Why only XXXX?
On   XXXX   XXXX   XXXX   I was approved for a property tax deferral by the Oregon Department  of Revenue.   This program is for seniors and people on  XXXX  below a certain income level. Under this program, the state pays the property tax to  the county  taxing authority. The tax and interest are due to the state at the time the property is sold.    Wells Fargo Home Mortga ge is the mortgage holder on my house. My   XXXX   XXXX   payment was reduced from {$1100.00} per month to {$870.00}. At that time I was also issued a refund of {$2500.00} from  Wells Fargo  for the overpayment I had made to the escrow account. for property tax.   Since t hen Wells   Fargo has made multiple  attempts to collect property tax from me, claiming that I owe them for property tax. On   XXXX   XXXX   XXXX   I received an email  from Wells Fargo stati ng that the payment they received on   XXXX   XXXX   XXXX   for {$870.00} would not be credited to my account because they had increased my monthly payment amount by {$560.00} per month to {$1400.00} per month for my 30 year fixed rate mortgage. " ... Since we 're unable to make partial payments to the loan, we 'll hold these funds until you make the rest of your payment ... '' No changes have taken place with my property tax deferral. It is not due for renewal until the   XXXX   tax year.  Wells Fargo has  not paid property tax for  XXXX . They will not pay property tax for  XXXX .
Cedar Financial has been contacting me during my work hours ( lady by the name of XXXX XXXX ), harassing me that I owe the XXXX money for a driving ticket for driving through a restricted access area in the city of XXXX, some time during XX/XX/XXXX. They stated they mailed the documentation to me to XXXX XXXX XXXX, XXXX, XXXX, in XX/XX/XXXX, but I have not lived there since the end of XX/XX/XXXX. I will provide documentation that I purchased and moved to a new home in XX/XX/XXXX. I have moved XXXX times since that address in XXXX, to XXXX different states in the USA. Per the XXXX, since they were not able to contact me within 1 year of the violation, this violation should be deemed invalid, and I owe no debt. Now, Cedar Financial, is asking me to pay XXXX the fines that were supposedly incurred in XXXX. Although I did travel to XXXX, I do not believe that I was in violation of any traffic law, nor was it indicated to me by the rental car company that driving to the hotel would be in violation of a traffic law.
I am a XXXX person who has XXXX XXXX and unable to work. While waiting for XXXX XXXX to finish their case, I applied for a loan for {$1000.00}. My received {$540.00} from them and the letter I received stated I was severely past due.I spoke to their rep, told him once I receive my money I will pay them. I was a XXXX for XXXX years and is certified by the XXXX XXXX XXXX. I sent a certified letter to cease and desist today XXXX XXXX, I was informed payday loans are illegal in the XXXX XXXX Virginia. Please quote me if I am wrong. The bill I received is {$1200.00} and did not receive half of that at all! I am quite upsetwith the system allowing these foreign scammers to continue to do this. Please help, I am in chronic pain daily. no income nothing. I looked at their web site and read all the scam they have done to people that are desparate.
This is in response to my previous compliant  Case Number  #  XXXX . Even though the response was received, I wanted to respond appropriately and re submit my complaint with supporting documentation will be attach for review for accuracy.     In response to letter date   XXXX     from  XXXX   XXXX   Executive Respone Unit f rom  Cititmortgage.      In his letter he states that I was eligible for HAMP and a trial period with payment of  XXXX  which is incorrect the correct the amount {$780.00}. I will provide statements reflecting and all income was verified.  (  will upload documentation for review ) Also you stated about the account was recently review on   XXXX     with an offer of {$180000.00} however that is also incorrect. The offer of {$180000.00} CASH was submitted on     XXXX       from   XXXX   XXXX   XXXX   XXXX   ( Buyer ). T his offer apparently was countered by  Citi  of {$180000.00} and he was not willing to go up to that amount. My realtor found another buyer   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  who currently presented an offer that was submitted and signed on   XXXX   for {$190000.00} looking to close by      XX/XX/XXXX  and the file was actually just review on    XX/XX/XXXX    how convenient because my file was transferred from  XXXX   XXXX , then to  XXXX   XXXX  and to  XXXX   XXXX   XXXX  within a 15 day period. So attempting to get a status is quite difficult with your institution. ( will upload documentation for review  ) My sh ort sale analyst received this communication stating the following : " the lender denied the offer of $  XXXX  they countered back at $  XXXX . So the offer was denied and they will not review another until the sale date has been extended. The lender will file a motion to extend because of the short sale. ''  (  will upload documentation for review ) I would like the CFPB to record my response and publicly record of how unfairly I am being treated.
XXXX RAN MY CREDIT 3 TIMES IN ERROR, TRANSUNION AND XXXX IN ERROR, AUTHORIZED SOFT ONLY.
Recently my bank XXXX XXXX XXXX requested my credit report in order to give me a loan for a house and appeared on the report a bankruptcy.I have never declared a bankruptcy.
In the month of XXXX I noticed that all my inquiris were deleted and I looked again today and they are back on my report..which caused my credit score to decrease..
A XXXX XXXX ACCOUNT # XXXX Is still reporting against me with the full balance on my credit report after they've sent me a 1099 to count it as income on my taxes. I've paid the debt with the Irs and they've collected their losses.I have tried to contact XXXX XXXX on many times and was ignored. I've disputed the account with the bureaus and sent proof and was ignored. They only sent back letters that said we received a suspicious request or verified. If someone was actually doing their job This account would've been removed.
I opened up a credit card with TJ Maxx. My billing cycle for the month of XXXX ended on XXXX XXXX, 2016, and my balance for XXXX was {$150.00}. ( Statement 1 ). On XXXX XXXX, 2016, per my auto payment agreement, money was drawn from my bank account, but it was only for {$100.00}. ( Statement 2 ). So I called the TJ Maxx customer service and asked them to explain the discrepancy to me. And they said that they arrived at {$100.00} by subtracting my return of {$87.00} and then adding {$38.00}. ( {$150.00} - {$87.00} + {$38.00} = {$100.00} ). I told them the new purchase of {$38.00} was made on XXXX XXXX, 2016 which was after my billing cycle ended. However, they said that since my true balance without the new purchase ( {$150.00} - {$87.00} = {$63.00} ) is lower than my original balance ( {$150.00} ), they just added my new purchase even though it was made after my billing cycle ended. However, TJ Maxx had no right to do so. First, it is a breach of contract because the contract states " You must pay at least the total minimum payment due on your account by XXXX ( ET ) on the due date of each billing cycle. '' What they charged me was my entire outstanding balance, not the minimum payment, and some of my outstanding balance are not due until sometime in XXXX. More importantly, it is a deceptive practice. I did not expect and certainly should not be required to pay for a purchase made after my billing cycle ended. However, a representative of the customer center confirmed me that this is how they charge their customers, and they will do it again if my true balance is lower than my statement balance. So clearly, they have this practice of charging customers before the due date, and it is not right. I have attached all the documents to support my claim and am willing to provide further information if necessary.
currently on my personal credit report i have a charge from XXXX XXXX located at XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , Illinois , XXXX. This company which specializes in debt collections is alleging that i owe XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$240.00} from XX/XX/2017, i have NO contracts with XXXX & XXXX i currently rent and the owner has been paying XXXX XXXX XXXX i have no contract with XXXX XXXX XXXX nor do i have a contract with ICS. Further more ICS has not shown me any proof in writing, they have never contacted me about this issue. i have already made disputes with my credit monitoring bureaus and i am making sure this is taken off of my credit report as i never opened any accounts with either XXXX XXXX XXXX or ICS, this is basically fraud.
ComplaintDescription of the complaintMy name is XXXX XXXX. Suntrust took XXXX dollars from me and then refunded it saying that it was a bank era for overdraft protection. Two days later they took XXXX dollars from me although I had XXXX in savings. They refused to refund my money! This is not the first time I have had a problem with suntrust for the same reason. They told me that my savings account was. Loses due to federal regulations and then turned right around and said that all of my money was in savings. What savings account? I went into a branch soon after and withdrew all of my money and had to close my savings account even though they told me it was already closed. This bank is a scam. The only way they make money is by charging you unnecessary fees. This bank has taken my money several times for overdraft and every time I have been refunded I have requested that I be signed up for protection and no notes In there system for it. This bank is draining me and they offer no assistance! Can you please help me?
Ad astra recovery They called me several times and tried harassing me and they put it on collection..now its affecting my credit
I have been traveling out of the country for some time. Now upon returning, I need a copy of my credit report in order to secure an apartment in the US. Obviously I want to have the apartment available to me by the time I arrive, so I have someplace to go to immediately. However : XXXX says citizens can only apply for a credit report from inside the US. This is ridiculous. I need a credit report now, and as long as I enter my valid personal data, what difference does it make WHERE I 'm accessing the internet from? 

Why ca n't I get my credit report from outside of the US? ( And calling does n't help, as that takes two weeks and can only be mailed to an address inside the US! )
I have requested from AD ASTRA RECOVERY SERVICES, two times for validation of a debt that is showing up on my credit report. This company has not responded to my request. Apparently this account was opened online. The amount showing is {$500.00} on or around XX/XX/XXXX. I have requested validation XX/XX/XXXX and XX/XX/XXXX, as  both request were in writing. am requesting this account be removed from my credit file, as this is putting a stand still on my home purchase. This company has failed to send me validation of this account. Thank you.
I have numerous inquiries from the same companies when I've only given them consent to run a credit report once. XXXX has FOUR separate inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only asked for their services one time on the first date. I have a XXXX XXXXXXXX credit card and I've only applied once, but I have TWO separate inquiries from XX/XX/XXXX and XX/XX/XXXX. I only called XXXX XXXX on XX/XX/XXXX to ask questions about their options. My credit should've never been evaluated. Lastly, I never gave a consent to XXXX XXXX on XX/XX/XXXX to run my credit. It's a credit repair company that I never used as I have been attempting to repair my credit on my efforts. XXXX has 7 inquiries and XXXX has 8. The numbers don't even match each agency, and the random credit runs were unnecessary actions.
Without any written or verbal notification, this medical facility ( XXXX XXXX XXXX in XXXX Hawaii ) who in fact got paid in full by my Insurance carrier for services rendered, turned both charges over to the collection agency " Credit Systems International '' as unpaid debt. Charges were for service date in XX/XX/XXXX for {$510.00} & XX/XX/XXXX for {$1300.00}. Even the collection company DID NOT notify us, until i applied for Residential Re-Fi in XX/XX/XXXX/XX/XX/XXXX, and was turned down due to Collection status on my record. 
It was then I contacted XXXX XXXX  XXXX who informed me that there was no Balance due and all payments had been received and the Balance on both charges was XXXX. 
Not having us notified at all by both companies has created sever personal/ emotional & financial harm. I thought that by law notifications are required. 
This is not fair and i need your help in taking appropriate action against both companies. Also, do I have a legal course of action available to me for harm done. 
Sincerely looking for your help.
XXXX XXXX is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Account number XXXX in the amount of {$610.00}
I was given a gift card ( probably around XX/XX/XXXX ) for {$20.00}. I looked at it and it says ( on the front of the card ) " VALID THRU XX/XX/XXXX ''. So, I thought this is great, I can use this for an emergency ; and put it in my wallet. 

The other day I came across the card, in my wallet, and decided to verify just how much was on the card. When I put the card number in I found that it had XXXX balance. So I went on line and discovered they had taken {$2.00} out per month for the last 10 months. 

Then, I discovered, on the back of the card, ( in very small letters ) that {$2.00} would be deducted ( as an inactivity fee ) per month after 12 months of inactivity except where prohibited by law. 

I called to complain and was told that they would put in an application to have that reversed. I was told that it would take 24 to 48 hours. After 48 hours I called back and found that the balance was still XXXX. I was asked if I wanted to file a complaint, which I said I would. I was told that someone would call me ( a supervisor ). Again, nothing. 

I believe that I am not an isolated case of this type of consumer theft.
This has been an ongoing situation with Chex-systems. I have faxed to them on XXXX occasions the social security card they were requesting because they said my file is being merged with someone with a similar name. I also sent to them a copy of my identity theft police report listing the fraudulent inquires that are related to the fraud that has occurred and they have not sent me any letters as they stated they would. I have requested on several occasions for them to remove the fraudulent inquiries from my file and yet they continue to ignore my request.
Reinserted previously deleted information.Experian credit reporting has reinstated XXXX that was once removed from credit report.
There was a police report submitted to Bank of America. A supplement was submitted too to Bank of America. Bank of America did not address the issue on fraud that which XXXX XXXX was a victim as indicated on the police report. Bank of America is not addressing the issue. 
Payment was made thru a XXXX XXXX Bank account given by this company call " ALSO XXXX XXXX '' and was reversed three weeks later. 
Bank of America is still sending monthly statement with extra charges on interest adding on. XXXX XXXX XXXX do not owe Bank of America any monies. XXXX XXXX CREDIT CARD ACCOUNT WITH BANK OF AMERICA WAS CLOSED MANY MONTHS AGO!!!!!!! 
Bank of America should reverse back the debit on XXXX XXXX credit card account back to XXXX XXXX Bank account wherein the payment was reversed. 
This had been an ongoing dispute XXXX XXXX have been complaining on this fraud with Bank of America. 
Bank of America had been asked to remove charges on XXXX XXXX billing and it seems it was not done and Bank of America refused to acknowledge her complaint. 
All sorts of complaint had been filed with Federal Trade Commission, CFPB, California Depart of Justice, Federal Bureau of Investigation. 
Again, XXXX XXXX XXXX do not owe Bank of America any monies. 
The gifts cards were all consumed by the thieves per XXXX 's security department. 
Bank of America should have discontinue the billing process that this isa fraud case in dispute and in the process of investigation. 
XXXX XXXX XXXX do not owe Bank of America any monies.
I applied for a Citibank credit card online and was declined. I received a letter stating I already had a card and gave a number to call them. I called the phone number, explained I did NOT have a card, explained that I have and live with my XXXX brother where all of our information is identical except consecutive social security numbers. He does have a card, and it was my idea that perhaps Citibank was getting the information crossed, that he has a card and Citibank was thinking it was me, they directed the call to the fraud department apparently they have more authority to look on the " back end '' of the application process, whatever that means. The fraud department advised that was most likely the issue that the " system '' was thinking my brother and I were the same " input '' on the application system. They advised to try to submit another application and try again, etc, and this process was repeated two more times. The man at the fraud department advised to use a different address for another inquiry so I also tried that and then had that business address show up on the credit report as well. XXXX inquiries are appearing on my credit report now, which is lowering my score. I have a XXXX fico and that 's not the issue, the Citibank system keeps saying a have a card, as explained earlier. I have since this mess tried to dispute the inquiries on my credit report with the credit bureaus, since I should not have them stand due to the mix up and inability of the Citibank system to distinguish there are XXXX different people ( by the way my brother also has XXXX fico ). The credit bureaus state that the creditor is verifying as valid, and this is NOT CORRECT and they need to be removed from my report, so please help. It 's not right to have them stay on the credit report as there is some type of glitch at Citibank, and I was advised to keep trying, and since there is no possibility of getting a card and at this point I do n't want one after this fiasco, there should not be any damage to myself on this behalf. I just want to be very clear that my brother is not involved in this in any way, just to explain of the issue of consecutive social security numbers with same last names and same birthdays and same addresses, etc, you see the problem. The dates of the inquiries are XXXX XXXX, XXXX, and XXXX XXXX, XXXX and XXXX XXXX, XXXX. Thank you.