WillisBack/dataset-financial-user-claim huggingface dataset:
To The official of Consumer financial protection Bureau From XXXX XXXX XXXX XXXX DOB-XXXX XX/XX/1992 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Complaint on my consumer CITI BANK Hello Sir/Madam I was facing credit reporting issue with my bank from the month of XX/XX/XXXX. They are not updating my credit info to the credit bureaus in any of the 3 bureaus. 
( In the month of XX/XX/XXXX, I have 2 fraud transactions in my citi credit card ending with XXXX which I was using from 3 years. So, I requested the CITI BANK to replace my card for security reasons. So they replaced my card ending with. After replacing the card, my credit score was not updating so I raised a dispute with XXXX to update my credit score .So, they requested the Citi bank about my dispute. So, they removed my CITI account from all the credit bureaus which have 3 years of credit history. After removing my old account, they dint update my new card details with 3 years of credit history till now i.e XX/XX/XXXX to XX/XX/XXXX. This action ruined my whole credit history showing that there was no credit history on my name resulting in declining for my car loan, bike loan, house lease. Major issue was as whenever I apply for something connected to my credit score, all are rejected due to this act. 
I spoke to bank authorities in the last 5 months but no result on my account. I even raised disputes in credit dispute department. I got reply mails saying the my info was updated please give 30 days to reflect on my account. But it was never updated till today .I Hope you will understand my situation of staying in USA without credit score even though if you are maintaining credit score from 3 years. I cant even buy a CAR due to this action taken by CITI. 
I ATTACTHED ALL MY DOCS AS A PROOF OF MY ISSUE BEING ADDRESSED TO THE CITI BANK FOR ALMOST 10 TIMES.I ATTACHED COMPLAINT LETTERS TO PRESIDENT OFFICE, DISPUTE LETTERS, REPLY MAILS, MY CREDIT REPORT SHOWING MY ACCOUNTS. 
Please help me in this to get my score updates with compensation on behalf my 5 months loss. 
XXXX
Made my XXXX monthly mortgage thru bill pay, for my VA 30 year fixed loan. Ditech Financial LLC applied to the wrong account. Ditech then made daily collection calls trying to bully the the money they already received. Once I figured out what happened and their ineptitude to resolve it. I requested a refinance quote and a payoff amount to take my business to a better company. They said they would have to reallocated the the payments on the account for an accurate payoff amount. 
Payed XXXX 's monthly payment by the same process, no problem. Still receiving random collection phone calls for XXXX 's payment. Now its the XXXX of XXXX. For this whole week I 've been on the phone with them trying to get a payoff amount so I can close my refinance with another company. My balance remains inaccurate, my payoff is still unavailable. Far past the 20 business days that is required by the RESPA. Not to mention 10-15 minutes for a payoff amount is the industry standard. I 've tried to elevate this further within the company, however the only departments you can actually talk to are collections and customer service. Both can do very little to service your account. I will be getting in touch with a lawyer.
Contacted Trans Union on XX/XX/2017 in reference to a credit monitoring alert. Information from XXXX that was previous deleted by Trans Union has been reinserted with a different account number. I request a paper copy of my credit report for review.
debt was written off XXXX XXXX 2000 15 years ag0. resurgent capital servives now trying to collect.4 year statute in California..do I need to pursue legal action to get this stopped?
I have received a lot of information on my credit thats not mines .XXXX  XXXX, 3 XXXX XXXX accounts, 2 XXXX XXXX, 2 XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX . Several inquiries. I have no bad information on my credit. inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX-XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX, XXXX   XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX,   XXXX several times, XXXX, I have like 100 inquiries. I dont apply for anything
Lender required last 4 of SSN for identification and has no alternate method for account owner authentication. SSN is never to be used for identification.
I have a XXXX loan I took to help my son finish college at XXXX in 2012. The loan is serviced by Navient. I have repeatedly contacted Navient this summer to request a letter disclosing the loan principal amount and the total interest to be paid over the life of the loan ( assuming it is paid in accordance with its terms ). This is for a court proceeding. To date, Navient somehow can NOT figure out how to get this info to me, though I have spent many work hours ( when I should be working at my job ) trying to explain this to them. They keep sending me a letter that summarizes the interest paid to date and the remaining principal. I have received XXXX of these letters, but not what I am looking for. Even as I write this, I am sitting on hold waiting for the Navient supervisor to come to the phone to tell me ( AGAIN ) that they will produce such a letter. But they do n't seem to understand what I am requesting, and they definitely do n't seem to have a program or any other capability for producing such a letter. Does n't federal law require this? I thought XXXX XXXX loans were subject to Regulation Z or similar disclosure requirements. Can you please look into this? I am getting nowhere, and I have a court proceeding for which I need to produce this info. Thank you.
I purchased a phone by using Paypal. Paypal says that they will allow you to put in a claim if you have a problem with the company. However, paypal closed my claim without working with my to verify that I sent back the phone. So, I ca n't seem to contact paypal, and get a real answer, and my claim is closed, so I am apparently out the money that I spent on the phone, and I have no phone.
XX/XX/2016 my wallet was stolen along with my debit and credit cards. There were fradulent activity on my debit card first and my other bank called me up to notify me. I had similar charges/activity in my Bank of america debit and credit card but they never flagged it. I immediately cancelled my debit card and credit card. But that did not stop. On XX/XX/2016, the thieves withdrew XXXX money from the ATM and also cashed out a check for XXXX $ from the same account which was already overdraft. My BOA credit card was linked for overdraft protection and it kicked in but currently I am not only charged the XXXX $ but also charged interest. To make it worse, I am in the process of buying a house and my credit score is getting hammered because of these huge overdraft fees. I feel BOA was pretty clueless about fraud detection. Every time I called up, they had something missing from the Notes. Also I was put on hold for a very very long time. I even went to a regional branch and they could not help me. I spend almost 2 days ( taking off 2 days off work ) to solve this issue. BOA should have blocked this account knowing that my ID was stolen too ( I had mentioned that I have a police report regarding the stolen wallet ). I am not only losing my peace of mind but also my work hours. This is more than frustrating. They were pretty careless about my account. I do n't see myself doing any business anymore there. I had accounts with them for 10 years.
BACKGROUND INFORMATION : I took over a 3-year lease on a XXXX Toyota Corolla from my brother-in-law, who no longer needed the car due to his relocation for a PhD program. I agreed to carry out the remaining 10 months of the lease agreement. After paying Toyota the lease transfer fees, I noticed problems in my credit. My FICO credit score is good ( XXXX-XXXX ) -- this has remained generally constant. Nevertheless, I did notice irregularities in my credit report that are disconcerting to me. For instance, my place of employment lists his employer from XXXX state ( I live in XXXX ) and his date of birth appears on MY credit score. This scared me ; therefore, I wrote a letter to Toyota Financial Services requesting they fix the issue and explain how it could have happened and encouraging them to look into others ' lease transfers for such errors. I sent this letter XXXX XXXX, XXXX, and have not received any response in return. I was able to dispute the errors with XXXX, XXXX, and XXXX, and successfully ( I hope? ) have the errors corrected. Nevertheless, I am mostly infuriated that I NEVER received a response from Toyota in response to my problem. I even called Toyota expecting a call back, and they have ignored me at every step. 

Please see copy of letter I sent out last month requesting an explanation and relief by rectifying errors with the major credit reporting agencies.
Dozens of promises from XXXX to remove a fraudulent credit inquiry from my report. I have been told DOZENS of times that the issue is resolved but Equifax insists that XXXX has not contacted them. This is from a VERIFIED ID THEFT incident in XXXX of 2015 ( NOT A TYPO )
My son XXXX XXXX. He had Citibank account in XXXX, Fl. I took A trip to the branch and handed XXXX XXXX the XXXX XXXX and told him my son XXXX XXXX and that the lawyer needs print outs of what is in the account. I gave him all the information he needed to provide my lawyer. He gave me a card and said that He would take care of it and that I should call him in a week. I had to go back to South Carolina and I continued to call and leave messages. Its going on 3 weeks and I havent heard back from XXXX and I have not heard from any of the representative from that branch. I called every number I can to have someone help. I need this paperwork for the lawyer and no one wants to help me. Please contact me I am Current at my daughters XXXX
I initially signed up for college in XXXX with XXXXXXXX XXXX XXXX XXXX, AZ location. I had explained that in XXXX I would have to take some time off due to my Mother 's fight with XXXX becoming more intensive but I assured them that I would return once she was better. She XXXX in XXXX. It took longer than I had anticipated to return after her XXXX but I did return in XXXX to continue where I had left off. The school told me that I had 44 credit pending but I questioned why they weren't just transferred since I was attending XXXXXXXX XXXX and not another school and they said that because that campus had closed and that some of the credits would be transferred but not all. I kept questioning it because it was the same school just one of their now closed campuses. So I had to re-pay for some of the classes even though I was continuing in the same field. According to them they wasn't certain if they were going to have to prorate my loans.
I received a letter from DC Tax office last month stating that I didnt pay my taxes for the first half, as a result I owed {$810.00} plus XXXX in penalty. I was confused and I reached out to my loan officer ; XXXX XXXX, who confirmed that I paid my taxes at closing and they would take care of the tax bill including the penalty because it wasnt my fault. 
On XX/XX/XXXX, I received a letter from DC property tax office which confirms that my Tax AbatemenXXXX application has been approved and I do not have to pay property tax starting XX/XX/XXXX till XX/XX/XXXX. I emailed this letter to XXXX XXXX, who again confirmed he had forwarded the letter to the loan department. 
On Friday XX/XX/XXXX, I received a letter from XXXX Bank that my mortgage payment will go up starting XX/XX/XXXX? My monthly payment should decrease starting XX/XX/XXXX because I do not have to pay property tax till XXXX. 
I have called the number on the letter that was mailed to me, only to find out that XXXX Bank do not have a customer service department for mortgage loan servicing, just a general customer service reps who do not have a clue what I was talking about. 
I reached out to my loan officer, who just said I should call customer service. 
This is ridiculous and upsetting and someone has to be responsible for their negligence.
This is a case of a debt collector sending a written communication that looks like or is falsely represented to be an official document from a court. 

Someone knocked on my door XX/XX/2018, to deliver a pleading allegedly filed by XXXX XXXX XXXX, XXXX : " Complaint for Money Due on Credit Account '' and " Summons ''. While the Complaint does describe the credit account purchased by XXXX ( a debt collector ), in the amount of {$2600.00}, and is apparently signed by an attorney at Machol & Johannes , LLC, the documents did not include a copy of the Proof of Service and neither the Complaint nor the Summons include a Case Number given by the Court nor the Court Clerk 's stamp ; thus, the Complaint does not appear to have been actually filed and is not an official document or official copy of a document from a court. 

Additionally, both pleadings are dated XX/XX/2018, even though they were " served '' on me much later. Without a Proof of Service, I have no evidence that my response to the Summons would be filed in time. I also have no Case Number. Further, at the bottom of the Complaint, below the attorney 's signature, reads the statement, " This communication is from a debt collector and is an attempt to collect a debt ; any information obtained will be used for that purpose. '' That statement is not typical of legal pleadings of any kind. 

The attorney 's office also included a document to set up payment arrangements with Machol & Johannes regarding the debt. Wouldn't you try mediation before suing me?
I purchased a vehicle on XX/XX/XXXX through a local dealership, with a loan backed by Santander Consumer USA. Per my XXXX the first monthly payment was due on XX/XX/XXXX. The monthly installment amount was set to {$410.00}. Upon contacting Santander on XX/XX/XXXX to initiate set up of the first payment, I was notified that I was past due on my account and that if we did n't make payment by XX/XX/XXXX a late fee would be assessed. The representative stated that my past due amount + current month 's installment would total {$830.00}. This is in breach of the agreed upon XXXX XXXX. I advised the representative that our first payment was contracted to be on XX/XX/XXXX and he advised me that I was incorrect and again informed me that if payment was not received by XX/XX/XXXX a {$25.00} late fee would be assessed. During the same call said representative informed me that I had the option to change my payment due date online, of which advice I followed at a later date ( reset due date to EOM ). 
I charge Santander Consumer USA to be in breach of contract on the following counts : 1 ) A Santander representative stated my first payment to be {$830.00} ( see attached Payment History ), in disregard to the signed contract. 
2 ) A late fee was of {$25.00} was issued on XX/XX/XXXX ( see attached Payment History ), again in disregard of the signed contract. 
3 ) Upon changing of the monthly due date, the monthly installments increased to {$410.00}, also contrary of the signed contract.
I have received several statements ( dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX )  stating that I owe {$400.00} to this collection agency and I have asked them to provide me with verification and validation of this account. They keep sending me the same credit card statement which does not show proof of validation. I have sent them 2 different letters ( dated XX/XX/XXXX and XX/XX/XXXX )  attempting to settle this because I want it off my credit reports and they have not sent me anything trying to accept payment or settle the account. It has been well over 30 days and I would like to have this account off my credit report ASAP. 

Thanks in advance!
On XX/XX/XXXX, I signed papers for a Reverse Mortgage with Generation Mortgage Company, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. I had been working with their representative via phone and email on this loan for more than XXXX months. She was very helpful and knowledgeable, yet when the closing representative came to my home, he brought incorrect documents for the wrong type of Reverse Mortgage. There were XXXX pages in the paperwork and I inadvertently signed the wrong type of loan. I trusted that Generation Mortgage filled out the right paperwork and I trusted that I should sign where their closing representative told me to sign. 

Only a few days prior to this I received an email ( which I still have on my computer, showing the representative 's information AND the Generation Mortgage logo and information ) from the Generation Mortgage loan processor listing exactly what dollar amounts I would receive at closing, what that first disbursement would pay off and how much I would be left with AND exactly how much ( plus growth ) I would receive on day 366. When I spoke with a supervisor at Generation Mortgage the end of XX/XX/XXXX, she said that the processor no longer works for them and " unfortunately '' I signed the wrong type of loan ( the difference is in a fixed rate or a flexible rate loan ). She said the word " unfortunate '' so many times that I finally told her " this is WAY more than " unfortunate '' to me! 

I was never told there were XXXX types of Reverse Mortgage loans and I certainly would not have signed the documents had I been told that if I did sign I would be " forfeiting '' the XXXX half of my money on day 366! 

I am a widow. I lost my husband of XXXX years four years ago to XXXX XXXX. I was greatly depending upon this money I was to receive on day 366. My husband and I spent all of our money trying to save his life. This Reverse Mortgage money was supposed to sustain my retirement. I should have received nearly {$30000.00} on XX/XX/XXXX. It is now XX/XX/XXXX and I am in dire financial straits, thanks to what I consider to be " bait and switch '' tactics used by Generation Mortgage. 

In my opinion, Generation Mortgage needs to simply re-do my loan papers, changing them to the type of loan I was led to believe that I was getting at the time. They need to do this immediately and disburse the XXXX half of my money to me right away. I have forwarded the emails from their representative to the supervisor I spoke with and she said, " I see where your confusion is coming from. '' I am NOT confused and I think the emails are very clear. They simply " checked '' the wrong boxes on the paperwork giving me the wrong type of loan.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 
Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX XXXX , XXXX. 
Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX  Date:XX/XX/XXXXCompany:XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit reports : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$800.00} Company : Untitled { MEDICALUnpaid, Unpaid, Collection Account } Account # :  XXXX Date Open:XX/XX/XXXX Balance : {$540.00} Company : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open:XX/XX/XXXXBalance : {$100.00} Company : XXXX, XXXX. 
Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1800.00} Company : XXXX   XXXX  Account # : XXXX Date Open:XX/XX/XXXXBalance : {$520.00} Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1500.00} Company : XXXX/XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$380.00}
Bank of America closed my minor daughter account without notifying me by email, phone or mail. My daughter receives back pay from SSI and is required by law to have an open account. Bank of America knew this and still didnt give me a reason on why my daughter account was closed. Now they want me to go into a Bank of America office and speak to a specialist about re-opening the savings account. I want to know why was it closed without any form of communication?
Equifax allowed my personal financial information to be stolen because they were negligent in securing this sensitive information.
I filed a report with FTC.gov concerning Identity Theft ( # XXXX XXXX. This is concerning two credit card debts with XXXX Bank. They turned it over to Portfolio Recovery Associates. I sent them a copy of the FTC complaint. Additionally, I filled out all the paperwork they sent me concerning the debts. These are not my debts! They continue to call and harass me. Additionally, these are still showing up on my credit reports. One credit card is for {$680.00}, the other is for {$340.00}. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
this account has been transferred to XXXX XXXX XXXX and is currently being paid through that lender. I have asked for the account to be removed due to current student loan status and was refused, account information is inaccurate ; date opened shows : XX/XX/0001? what is that?
I used my debit card at a chain Auto Service Station, I paid for a service they said they could do but were unable to do. To avoid any further damage to my vehicle I took it to the actual dealer to fix the other merchants mistakes. 

I called Bank of America ( my bank at the time ) to explain what happened in great detail ( and probably 20 mins ) and asked if I have any recourse since I now just had to pay twice for the same service. The CSR explained that I could filed a debit card dispute since the merchant didn't provide the expected service etc. The dispute was filed. Within days Bank of America put the disputed amount back into my bank account. A few months later I was traveling out of the country, and see that my account is negative! Also, pending transactions were charged overdraft fees or declined etc. ( Thank XXXX I had some cash with me ). I see that the disputed amount was reversed, so I called Bank of America and they told me my claim was denied because I had in fact made the purchase?? What?! I know, that was never part of the dispute. I believe the way the CSR entered the dispute was incorrect causing me to lose the dispute. I asked to appeal the decision. They told me that I should get an expert opinion regarding the work done. Perfect, so I went to the dealer ( who actually makes this vehicle ) they wrote a statement on company letterhead on my behalf. Appeal denied. Meanwhile over the course of this lengthy process, and Bank of America reversed the disputed amount causing my account to go negative, I explained that i will NOT deposit anymore money with them until this is resolved, to which they responded by closing my account that I had for about 15 years! Recently I went to open an account at another bank and was denied an account, and I learned it was because Bank of America put me in XXXX siting " ACCOUNT ABUSE '' as the reason?! That is lie! I did nothing wrong. Bank of America was supposed to protect me from fraudulent merchants, or not mislead me into thinking they were going to dispute a charge then change their mind. They let a merchant scam me and then the bank abused me. 

I have been denied credit and the ability to open checking accounts because of the information Bank of America has inaccurately posted with XXXX