WillisBack/dataset-financial-user-claim huggingface dataset:
I have been having a significant amount of fraud on my citi bank checkings account. I asked citi bank back in XXXX to Cancel my account instead they just gave me a new debit card. In XXXX i had identity theft, my computer got hacked an all of my finacial accounts XXXX being citi bank got comporomised. Someone stole my identity and withdrew {$1400.00} from a teller. The branch is located in XXXX according to the customer service representive i talked to, to initially create the claim. Everytime i call citibank they transfer me to someone in XXXX and I hate it. I called in XXXX to make the claim and the representitive never even made the claim! I called back in XXXX to get a status update amd was told the claim was never made and so i had to wait longer to get my money back. I tried to file a police report and citi bank said they do not have the video anymore that is deleted after 30 days amd that there was no way they could help me. So they XXXX me over when it came to getting the autorities involved, the police said i needed solid evidence to accuse the people i was trying to accuse and citi bank could not provide me what i needed. I have been calling for 2 months now, I never got a letter or an email about the status of my claim and every person i talk to is incapable of doing their job. I am currently living on the couch of my sisters apartment because citibank has not given me my funds back so i can attempt to look for a place! I called my friend who works for XXXX in XXXX XXXX XXXX XXXX and he told me to take these actions. I need my money back!
My student loan was transferred to Navient in XXXX XXXX, upon transfer Navient reported my payment at {$84.00} which is incorrect. In XXXX, I paid this amount without paying attention and in XXXX I contacted my previous servicer XXXX to inquire why the amount had increased. They stated I am under income based repayment plan and it should not have changed. The payment amount is {$64.00} and there was a late fee which made the total {$84.00} but it was my option to pay the late fee. I contacted Navient and told them this and was told their website would not allow the amounts to be seperated, I then stated since I paid the {$84.00} there was no longer a late fee and the correct monthly amount should be showing. I was then told that no the extra paid was applied to the loan and not the late fee and this was how it worked for student loans. I have been protesting since. In XXXX, Navient has hiked my payments up and my income based repayment plan is not expired and they are showing late charges in addition to prior. Navient is attempting a form of extortion and refuses to forward my any information.
On several occasions, I mailed letters to all 3 credit bureaus. 

EQUIFAX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

Equifax mortgage : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX/XXXX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX bank about alleged late payments. They were unable to verify my late payments and forwarded me letters to send out to each bureau, they refused to update the account. 

Address XXXX XXXX XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XX/XX/XXXX Equifax mortgage : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX bank about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX XXXX XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

Equifax Mortgage : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX ( they submitted a letter of removal to the credit bureau and they still have n't removed this ) XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX bank about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX XXXX XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS Due to the delay of the credit bureaus response, I have been forced to freeze my accounts until this matter is taken care of. 

I am an XXXX Service Member Currently XXXX since XX/XX/XXXX. I had my power of attorney take care of the credit matters and they have n't gotten any response. It is appalling that serious matters like this are dealt with no sense of urgency and nonchalantly. Please contact me at the earliest convenience to deal with this matter. 

Thank you
a ) The company that the firm represents had already collected via my insurer b ) Company have no license to collect a debt in this particular jurisdiction, nor any cause of action in any jurisdiction. It employs a scare tactic form letter. I have a XXXX and have practiced in the field and am familiar with laws and regulations, but I 'm in the minority. 

c ) Representative refuse to acknowledge the aforementioned and made an ad XXXX remark against my mother, not a party. 

d ) Representative attempted and failed at bullying me into paying a debt without a chance for me to adequately explain and when I turn up the volume, he hangs up.
In XX/XX/XXXX, I mailed a check ( # XXXX ) for XX/XX/XXXX rent for {$3000.00}. My landlord never received check # XXXX. I discovered the check was forged and submitted an affidavit to my bank HSBC. I was reimbursed for the check on XX/XX/XXXX. 

However, since I was behind on rent for several months, I was required to appear in court on XX/XX/XXXX. My landlord charged me {$870.00} + $ XXXX= {$890.00} in legal and processing fees. In an email on XX/XX/XXXX an HSBC representative says they will not reimburse the legal fees. 

HSBC is liable for the fees because their mistake ( allowing a forged check to be cashed ) is the reason I had to go to court and pay the fees.
I just received again a foreclosure notice from  XXXX   XXXX ,  XXXX  today  XXXX   XXXX ,  XXXX . The Trustee has scheduled the foreclosure sale for  XXXX   XXXX ,  XXXX .     On  XXXX   XXXX ,  XXXX , I called my dedicated loan specialist,  XXXX   XXXX  to check on the status of my HAMP Loan Modification I applied for in  XXXX . She returned my call but left me a message with her phone number which I already have and another phone number. She did not address the message I left for her on her voice mail.     In  XXXX  of  XXXX  she told me that my  HAMP Loan Modification with Nationstar is over because The HAMP Loan Modification Program deadline w as  XXXX   XXXX ,  XXXX . I disputed her claim because the program deadline did not apply to me as I have already applied for the modification in  XXXX . I also told her the deadline was for those who were yet to apply for the program. So, Nationanstar has unilaterally resolved to stop the process to modify my loan and closed the  HAMP Loan  Modification I applied for in  XXXX . According to the  HAMP Loan Modification Program guidelines Nationstar can not just unilaterally res olve the loan modification and sweep it under the rug ; it has to be bilaterally resolved. Their decisions were based on botched modifications and out right refusal to modify the loan. They never made any conscientious effort to modify the loan. Their main objective is simply to foreclose. Since they took charge of my loan modification almost six years ago they have been giving me the runaround, asked for the same documents over and over again and never utilized them to modify the loan. Also, they have engaged in lies and deceptions. They have been playing hardball with me over and over again ever since.     The  XXXX   XXXX   XXXX , said that a copy of the advertisement of the sale published in  XXXX   XXXX   XXXX  is enclosed in this letter and that is not true.
On XX/XX/XXXX, my husband attempted to obtain his free annual credit report from the website, XXXX, prior to applying for a car loan at our local bank. After submitting all his personal credit information, at the end of the process, he was informed that the reporting agency " could not provide a credit report at this time '', although the BANK had no problem obtaining his credit report, which he was not allowed to view, but he did find out that it contained inaccurate information and lower credit score that resulted in requiring him to get a co-signer and pay higher interest on the car loan. Today, ( XX/XX/XXXX ) when I went online to apply for social security retirement benefits, my application was " rejected due to reporting from Equifax '' so that SSA could not " verify '' my existence in order to process my application ; so I went online for MY free annual credit report, and, after supplying all my personal credit information, I was informed that the reporting agency " could not provide a credit report at this time. '' Because we have been in a bitter dispute with XXXX/XXXX/XXXX over their theft of our home on XXXX - which they reported to the credit reporting agencies as " REPOSESSED '' 5 years ago, when it was actually still IN DISPUTE in Federal Court, getting ready to go to Jury trial in a few months, & they have been informed that I've had to fire our attorney and prepare to represent ourselves Pro-Se in our dispute against them, I think they are using their financial power and control over the credit reporting agencies in order to harass and get us to throw in the towel and give up.
My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
I purchased a new motorcycle from XXXX with XXXX XXXX for the loan in XXXX. I was fully covered with insurance for the vehicle and GAP insurance for the loan. The vehicle was totaled on XXXX XXXX. I notified XXXX of this the following week. My monthly payments were about {$160.00}. My insurance company sent a check for over {$4000.00} to XXXX, however, XXXX said I was late making a payment. My GAP insurance sent XXXX a check for the remainder of the amount owed on the loan. When I found out my credit score had negative remarks on it greatly lowering it, I called XXXX. They told me that since I did not pay them {$160.00} that my account was delinquent. They said even though the insurance paid multi-thousands more than the {$160.00}, it did not count since it I did not make the payment. Both my auto insurance and GAP insurance have paid the total of the loan within a couple of months, however, my credit is still damaged because of XXXX. I have been communicating with XXXX and have submitted to them all the documatation they have requested as soon as I had them, as well as other documentation from the insurance companies that their money is on the way.
XXXX/XXXX/XXXX Attempted enabling linking for transfer of funds with XXXX, received the following message upon attempting to link the account : " Capital One is blocking you from enabling external applications You have the right to access your financial data. Encourage Capital One to fix this by contacting them ''
Im an authorized user in a credit card with Wells fargo. I called them to remove myself from that account, I dont want to be an authorized user anymore. They told me they will stop reporting that account to my credit report, that was a month ago and as today they still reporting to my credit report. Please stop reporting that account to my credit report.
I settled the debt in XX/XX/XXXX and since then I have received various phone calls throughout the years claiming I still owe the debt and will be sued. Today I received a call from XXXX who was willing to tell me my social security number, addresses, maiden and married names, and said they 're going to file against me for this very debt. This is not the only company to call me about this over the last 11 years ( the account was originally charged off in XX/XX/XXXX ). I need these harrassing calls to stop. XXXX XXXX XXXX ( the original debt ) confirmed today that it was charged off and sold to XXXX XXXX XXXX in XX/XX/XXXX, and that business is closed. I settled and paid to XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, and they are also closed. How can I track down what happened with my settlement and make the collections stop?
XXXX keeps trying to collect on a debt for XXXX XXXX and has reported it on my Transunion credit report repeatedly. I am XXXX and I have insurance had full coverage insurance at the time. XXXX to be infact, and according to XXXX they only have record of me using their facilities in XX/XX/XXXX, XXXX XXXX 's records reflect the same information- stating that I have no debt to them and none for that company to collect. In XX/XX/XXXX I disputed the collection company and had them removed from all of my credit reports. In XXXX XXXX XXXX reopened the same collection on all XXXX of my credit reports under a XX/XX/XXXX date. I disputed them again and all but TransUnion has removed them from my report. I am XXXX and have been covered by XXXX since XX/XX/XXXX. I honestly think they re-opened the original thinking that I would not notice. But it is greatly effecting my ability to finance my house.
I submitted a refinance with Freedom Mortgage XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX in XXXX 2016 to convert my primary mortgage from an FHA to VA loan. Freedom Mortgage sent an appraiser to appraise my home and charged me for the appraisal and they charged numerous additional fees for the refinance process. I was told by Freedom Mortgage it would take approximately two weeks to get everything processed. I heard nothing from Freedom Mortgage after two weeks and began trying to contact them. I called the assigned rep but could get no response. On XXXX XXXX I did contact XXXX XXXX, Assistant VP of Sales and he requested a credit card number and a XXXX -- XXXX of which I provided. XXXX XXXX then charged additional fees and immediately became unresponsive. 

I managed to contact a XXXX XXXX XXXX at Freedom Mortgage on XXXX XXXX and he stated he 'd get the process resolved. After numerous calls and messages, XXXX XXXX referred me back to XXXX XXXX -- who has remained unreachable. I have requested Freedom Mortgage complete the process and/or refund all the fees collected so I can get this processed elsewhere but Freedom Mortgage has refused to do either. I believe Freedom Mortgage has charged fees in excess of the VA allowance and has no intention of processing the refinance or returning the money.
on XXXX/XXXX/XXXX i made a transaction with XXXX of XXXX for XXXX dollars. i will describe myself as ( a ) and XXXX as ( b ). When the charge reflects on my on my account subject ( c ) which I never knew charged XXXX when I contacted ( b ) about the charge they stated that they only receipt XXXX and the difference was the banks charge. when I contacted the bank the first time they stated that there was a foreign transaction fee and also a conversion fee. when I contacted them again and told them that yes there is a foreign fee but that this transaction was not subject to a conversion fee now they state that ( c ) did not charge XXXX but XXXX. That is the complaint, that I am being overcharged by ( c ) when ( a ) and ( b ) agreed on price of XXXX dollars. ( b ) sells the product and ( c ) produces and delivers the product.On previous occasions I have made purchases from XXXX and never had a problem with them.
Hello, I have several outstanding loans with Navient. One particular private loan with an outstanding balance of approximately {$24000.00} has seen some unusual activity whereby the amount of interest charged was significantly higher with no reduction in principal for some months. For example, my rate is usually 5.5 % variable but there were some months where the annualized rate spiked up to as much as 8 % and then the next month it would return to normal levels. This sort of activity happened several times over the past 5 years. This makes no sense considering interest rates have been extremely steady. I need to know exactly how my interest rate is set every month ( Libor? What 's the spread? ) and why on some months, only {$1.00} of my {$160.00} payment went toward reduction in principal. I 've never incurred late fees since 2011. 

Please see attached the file containing the prior history of payments. Note under Column I is the annual interest rate which as you can see is very high. 

XXXX XXXX.
I have send several request to former law firm when was served papers by the sherriffs dept of a attempt to collect debt but have never received a response back w/requested proof & now it has been assigned to a new law firm. I have kept all emails send to prior law firm notes made on letters & print screens along w/mail receipt of formal letter showing letter was received from the prior law firm & now a new law firm is trying to attempt the debt. 
I am also sending them copies of the requested/papers sent to the prior firm for their review as of XXXX/XXXX/15 via the post office. 

I do not know who the debtor is that is why I have disputed the debt & requested proof as in the past I have had my SSN # stolen before I got my 1st credit card so am leary that it could have happened again & I stated that in my concern letter that was sent to the law firm. Legally they have to provide me w/proof of the debt & have not complied w/my legal rights.
the previous mortgage servicer did not modify to benefit homeowner and refused to provide any info on its NPV and water fall calculations and never responded to the homeowners protest of the value due to builder defects which greatly affect the value on the open market also previous attempts get modifiaction under imminent default where ignored to the detriment by the delay of modification due current servicer has refused to address this issues and has foreclosed
I have some accounts on my credit report that are not mines. I can not dispute online per Trans union. Trans union is not questioning these accounts just saying they are mines. I have a lot of inquiries I have disputed they wont remove but yet put a fraud alert on credit report. 
Account XXXX XXXX, shows on credit report as a charge off not XXXX but XXXX. Both accounts should be deleted. Both are wrong. 
Account XXXX XXXX XXXX, opened in 2006 should have been deleted due to age of account more than 8 years old and information is incorrect. This account was deleted by XXXX. 
Account XXXX XXXX, this is not my account. 
Account XXXX XXXX, account on this report should be deleted. I have a XXXX for them. ( attached ) Account XXXX XXXX, This account is paid in full not a charge off. 
Account XXXX XXXX XXXX, account not mines and has been deleted by XXXX .
I took out a payday loan at XXXX XXXX on XX/XX/XXXX, and subsequently was unable to pay. They sent it to their collection agency, Ad Astra Recovery. I filed for Chapter XXXX bankruptcy on XX/XX/XXXX and they were included in my case. They are still reporting on my credit, and I have contacted them in regards to the issue, and they 're always rude, even after I made them VERY aware that I had filed and they were included. The amount shows {$430.00}, and that the account is still open. I even gave them my bankruptcy case number, as well as the number to my attorneys office. I am trying to start my credit profile over again, and I have been denied a few things all because of this inaccurate status.
I have contacted this company in writing twice as well as through the XXXX demanding debt verification from the collection agency. They did not respond within 30 days stating they needed more time to verify the debt as required by the Texas XXXX. They sent only a bill via usps, not the complete debt verification as requird through the Texas XXXX. Account brokers has consistently violated the Texas XXXX XXXX, as well as ignored my demands XXXX. 

I dispute the validity of this entire debt. I request validation of this debt per Texas XXXX XXXX. I have disputed this debt with the credit reporting agencies and you continue to validate it without providing the information I have requested. Please note XXXX are bonded in the state of Texas and are required to comply with Texas XXXX XXXX if you fail to meet code requirements. 
Delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. XXXX ( d ) ( XXXX ) For the purpose of validation provide me with : The name and address of the original creditorThe original date of default or non-payment of the debt with original creditorThe date the debt was transferred from the original creditor to the third party debt collectorThe original balanceThe current balanceAny fees added by your agency. Sec. XXXX ( a ) ( XXXX ) Texas Surety bond information as required by Sec. XXXX am invoking Texas XXXX XXXX XXXX CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. 
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. XXXX ( a ) ( XXXX ) Please reply with your response vis XXXX MAIL. 
Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. XXXX. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
On XXXX/XXXX/2015 we disputed an unauthorized set of transactions on a joint account held at BECU ( credit union becu.org ). This was done via my wife 's debit card so the dispute was done under her name but it 's a joint account in XXXX of our names. On XXXX/XXXX/2015 BECU notified us they were crediting the account and would notify us in writing if anything further was needed. 

When examining my XXXX 2015 statement ( approx XXXX/XXXX/2015 ) I discovered the credit ( XXXX $ ) had been reversed. I then went into BECU on XXXX/XXXX/2015 to inquire and was told they had mailed us a letter in XX/XX/XXXX we 'd not responded to so they reversed it and it was closed. They then claimed there was nothing further to be done. We never received a letter and BECU can provide no proof that we received this letter either. A new copy was provided to us on XXXX/XXXX/2015 showing it dated XXXX/XXXX/2015 and claiming we had until XXXX/XXXX/2015 to respond. 

This was unacceptable to me as we never received this letter they claim to have sent and once I did discover the reversed charge went back to inquire within a reasonable timeframe. Statements close on XX/XX/XXXX so on XXXX/XXXX/2015 when I went into the branch to question this it was still within XXXX days of my notice of this charge. BECU easily could have prevented this issue by ensuring this written communication which has a very short time frame ( less than XXXX weeks to respond ) was handled via a tracked mechanism. i.e. certified mail, XXXX, etc. There 's been no proof offered this letter ever was sent to us at all beyond their claim of it having been sent. We did file the required paperwork with them immediately disputing the charge ( i.e. within the required XXXX days ).