WillisBack/dataset-financial-user-claim huggingface dataset:
I received a Personal Loan Approval and wired {$600.00} Via XXXX XXXX XXXX to Citibank for the Origination fee.

Citibank was unable to deliver the money to the recipient because the Account was closed. Many attempts have been made both by me and XXXX XXXX XXXX asking to recall the money but Citibank refused to respond.

I just want my fee returned to me because the Loan process was not completed.

This is a case of Exploitation of the Elderly for Monetary Gains.

I have sent in supporting documents to your office already.
American Express mailed me a promotional offer for a American Express Business Platinum Card, with XXXX American Express Reward points promised if I spent {$20000.00} within the first 3 months of opening an account and XXXX American Express Reward points if I spent {$10000.00} within the first 3 months. 

I have had an AmEx Platinum card before, and I specifically asked the representative on the phone, " Do I qualify for points even though I had a card in the past? '' She replied, " Yes, you do qualify for the points. '' I banked on her promise, accepted the card, paid the membership fee, and planned to use the points for a trip with my fiance later this year. 

Now, I am told because the XXXX explicitly say that those who have used this card before do NOT qualify for the points, I am no longer entitled to them. However, I DID EXPLICITLY INQUIRE ABOUT THIS ISSUE, AND I WAS PROMISED, BY THE REP, THAT I WOULD STILL RECEIVE THE POINTS BECAUSE I HAD NOT HAD A CARD FOR A LONG TIME. 

I want American Express to provide me with the XXXX points to which I am entitled : they send flyers to people promising them something, and if their marketing strategy is to deceive people who do NOT qualify for a promotion a promotion, they are acting in bad faith and should be punished for deceiving the public and causing harm to not only me, but those more vulnerable in society who ca n't assert their rights like I can. 

Sincerely, XXXX XXXX
Equifax has a duty to securely manage, protect, and maintain my personal information and the personal information of millions of other consumers. Equifax failed in its duty to protect my information and subsequently failed to publicly disclose its data breach in a timely manner to enable the general public to take additional precautions to protect their financial profile. Transparency and trust are required and Equifax is no longer a trustworthy business.
I keep receiving phone calls from a debt collection agency Mid Atlantic. They are threatening me with a potential judgement regarding a debt from 2009. They claim it 's from XXXX XXXX but when I looked on my credit report there is no account mentioning XXXX XXXX. They also mentioned XXXX which I am assuming is another credit card company that possibly bought the account? Neither one is mentioned on my credit report. I paid multiple accounts off throughout the past XXXX years. Each time I paid via a website and received a confirmation letter either via email or mail. I also printed each receipt after making payment. This company says I can only pay over the phone with a credit/debit card or a prepaid card. I told them I do n't do that because XXXX, there is no mention of this account on my credit report and XXXX I only make payments via internet or through the mail with a money order. He said I would have to wait for the hearing. I 've been getting these phone calls non stop for several months. I feel it 's a scam and how do I truly know who I am paying. Why have n't they sent me paper work via United States mail? I 've lived at the same address for many years. Why has n't the original creditor contacted me? Why has n't a collection agency sent me a letter in the mail? I only want contact with this company via United States Mail. And I want proof that the debt is legit. I could 've paid it off with another agency and that agency never reported it.
XXXX XXXX and XXXX XXXX are both currently reporting the same debt collection on my credit file. They are DOUBLE reporting and this is in clear VIOLATION of the FCRA.
Someone got the hold of my credit card number and used it to fraudulently acquire items from several merchants. The total amount of the fraudulent purchases is {$7400.00} ( {$7100.00} with XXXX XXXX XXXX in XXXX on XXXX XXXX, 2015 and {$310.00} with XXXX XXXX on XXXX XXXX, 2015 ). Although I live in XXXX, my wife and I were out of town when those fraudulent charges were made.
I was called out of state for a family emergency and left on XXXX/XXXX/15. I left my landlord a 30 day notice in order to move to a new rental house and half of XXXX 2015 rent ( with instructions to deposit on XXXX/XXXX/15, IF I had not been able to return and submit in person. ) I left on my trip and unfortunately my landlord deposited the check left for him on XXXX. This resulted in over {$500.00} overdraft charges for less than {$200.00} spent on incidentals on my trip. My autodeposit of {$470.00} ( received XXXX ) was all applied toward fees. My friend deposited {$160.00} into my savings account ( upon my discovering the negative balance by surprise on XXXX ) for me to live on until months ' end. That too (! ) was immediately applied to late/overage charges even though I did not KNOWINGLY have Overdraft Protection from Savings established with my checking account. Had I known that was a likelihood, I would have requested my friend send $ via XXXX XXXX or a XXXX XXXX XXXX Option. I contacted my local branch and even with an end-of-the-monthgood faith deposit pending of {$1700.00} set up for auto-deposit, none of the ( excessive! ) fees were waived. I was left XXXX until months ' end and now my work paychecks will be " docked '' ANOTHER - {$400.00} to cover MORE overdraft charges that have mounted. The move to a new residence is having to be delayed and overdraft charges are now amounting to - {$800.00} plus. The US Bank in XXXX, KY was unwilling to forgive any of the " account bleeding '' even though the situation was explained and the date on the check deposited was starred and circled to try to prevent anything like this from happening. The stress and angst from the whole situation has been awful.
Upon reviewing my credit it looks as if I have ALOT of credit injuries that DO NOT belong to me. I even have some that show up on multiple dates. I 'm unaware of these injuries. I contact   XXXX   the week of  XXXX   XXXX ,   XXXX   and spoke with a  XXXX  representative from which I did n't get anything but a hard time and someone who belittled me. On  XXXX   XXXX ,   XXXX  , I sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to  XXXX , which was delivered at   XXXX   XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , PA  XXXX  asking them to investigate. On  XXXX   XXXX ,   XXXX  ,  XXXX  sent me a letter back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. also sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to  XXXX  which was been delivered and is available at a  XXXX   XXXX   at    XXXX   XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , TX  XXXX  and Equifax which was was delivered at   XXXX   XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , GA  XXXX . According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it st ates that any information can be disrupted and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that received a response 3 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a financial struggle which is n't the case. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency and that is n't fair.
CitiMortgage has failed to properly service our mortgage loan and we are facing a foreclosure sale. We had to file bankruptcy to try to get our payments back in line, but it is only a matter of time before our home is lost through foreclosure. We feel this is very unfair since they have never completed a review for mortgage retention options, even though we have complied with every request they have put in front of us. We killed an entire forest of trees trying to get them the documents they needed over the last few years, but this has yet to get our loan to their underwriters. We fell on difficult times financially and fell behind on our mortgage payments. We had no other choice given the situation we were in at the time. We have tried for years to work with CitiMortgage, but they have not provided any offers of loan modification or repayment plan. We feel though that their representatives have treated us with indifference towards our situation and have never really worked on getting our mortgage payments back in order. Our income was reduced when I suffered business losses and then my wife lost her job a short time later. Now that we are in foreclosure and apparently will be facing imminent eviction, we need your help to ensure that we have the opportunity to save our home. It would certainly be travesty if we lose our home due the inability of CitiMortgage to get our information into a reviewable format. We also have never had a single point of contact with whom to discuss our circumstances. This we understand is something that should have been provided to us. We want the opportunity to ensure we maintain our home for our family and live here the rest of our lives and thus will need your intervention.
I do not have a contract with this Portfolio Recovery. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to  obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau ( XXXX  and XXXX ) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
I had -- -First let me start by saying I might not have checked the right complaint box. This is my problem.. I had a XXXX  credit score with experian credit bureau for the last month. Now in this month they tell me that my credit score dropped 10 points because I had an inquiry with XXXX. Does my XXXX credit report have a bearing on my Experian credit report. If so why not just have one credit bureau and be done with it. Also if that is the case, XXXX  only dropped my score by 2 points so why isn't Experian following suite . Is there a government website I can go to to find out my rights with credit reporting. Is this legal
Inquiry were made on XX/XX/2018 and XX/XX/2018. I am unsure of the loan amount. A letter was written to try in remove the inquires.
This is in response to a previous complaint. Scottrade Bank has refused to credit my account for the $ XXXX+ in transactions from XXXX. They said there is an account with them using my email address. Well, I contacted them as well and what they did n't tell me is that the account is closed and there 's no way to access/withdraw the cash. XXXX is supposedly a binary options broker. You can deposit money with them using a debit card. The $ XXXX+ in transactions are actually deposits. So what 's happened is, XXXX has taken over {$6000.00} of my money and run off with it. They stole it! It 's a scam! Like I 've said in my previous complaint, they are an illegal company that is illegally targeting U.S. citizens. If you do n't issue a chargeback for these transactions, you 're just helping these crooks rip off American citizens!
I have an active auto loan with XXXX XXXX. This account was opened XX/XX/XXXX. In  XX/XX/XXXX and XX/XX/XXXX i made both payments before the due dates yet they both show as late on my credit report. Again In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Late payments are showing for my account. I have called XXXX XXXX several times to get this fixed and try to find out why this happened. I have placed calls to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time i call i am told that they have proof of the late payments and they are not obligated to fix the problem or send me the verification of these payments. I sent 3 certified letters requesting the verification to which i receive no response. I have even provided XXXX with copies of my bank documents showing the payments as processed and the statements from XXXX showing on time payments. These erroneous entries are having a huge negative effect on my credit rating and the fact that noone at XXXX is even making an attempt to resolve this problem. The last agent i spoke with XX/XX/XXXX told me if i dont like it i should just do a voluntary repo on the car.
On at least XXXX occations I made a payment for my mortgage to LoanCare via their website and the payment was never ran. Because the payment did not run I was then charged a late fee and my credit report was damaged. I am requesting that my account be moved to good standing and my credit report corrected. Attached you will find the statement from XXXX NOT reflecting the payments and also you will find XXXX email confirmations showing the payments were made.
The National Mortgage Settlement ( NMS ), RESPA enforced by Regulations X and Z, the California Homeowners Bill of Rights ( HOBR ) and other agreements govern how Bank of America is to conduct loss mitigation assistance and programs. 
At present, Bank of America has represented to me twice that a Department of Justice ( DOJ ) and XXXX ( XXXX ) Settlement and subsequent settlement offer were the result of a Request for Mortgage Assistance ( RMA ) borrower submitted application package rather than the proposed offer to settle for their misconduct during the loss mitigation process related to this home loan mortgage account. These representations were made on XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
As recently as a XXXX XXXX, XXXX Bank of America has made the knowingly false representation to me and when I made requests for clarification all I got in response was a County Recorders Office Notice of Default and Election to Sell with a California Declaration recorded XXXX XXXX, XXXX publicly starting the foreclosure process. 
To date, I have not received any explanation of why Bank of America is representing the DOJ and XXXX Settlement offer as a borrower requested mortgage modification.
I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.
I received 2 calls outside of the time the company is able to call. The first call was on XX/XX/XXXX @ XXXX XXXX. I informed the representative that my local time was outside the allowed time. The representative verified my Arizona mailing address. The representative apologized and terminated the call. I then received a call on XX/XX/XXXX at XXXX XXXX. Again, I informed the representative of my local time, she continued the conversation and then when on to say that " by law, we can call until XXXX XXXX, I then repeated that it was XXXX XXXX. She continued to attempt to collect a late payment from me and I stated I was asleep, and have to be up at XXXX XXXX, I would schedule on my phone app.
I had communicated with American Express on numerous occasions that the account holder ( Account Card # XXXX ) and my father, XXXX XXXX XXXX XXXX, suffered a XXXX on XX/XX/2018. I contacted American Express on XX/XX/2018 and asked to have his card suspended, and I was told to send a copy of a power of attorney to American Express at its fax number [ ( XXXX ) XXXX, which I did that same day as instructed by " XXXX '', American Express 's representative, when I spoke to him at ( XXXX ) XXXX. [ On that same occasion, I and my mother, XXXX XXXX XXXX XXXX, asked XXXX to suspend the card, since there were unfamiliar charges on it. ] We also sent proof of the XXXX. 

American Express has not responded, and has indicated that my power of attorney is not valid. The power of attorney is valid under California law -- I should know, since I am an attorney. 

We wish for the CFPB to inquire of American Express when ( if ever ) it intends to address these issues.
I continually get calls from XXXX stating they are with Jason Craig and Associates.  Very nasty and refuse to leave a reason to their call when someone answers the phone when I am not available. I have NEVER even received any form of legal mail from this company.
Discussed the information with Transunion that XXXX charged off in XX/XX/XXXX, now a new charge off is on my account stating the account was closed in XX/XX/XXXX. I 've never been notified about this bill being reinstated..the debt was not reporting on my credit 5 years ago, or even 2 years ago. It 's already affected my credit in XX/XX/XXXX for seven years, I 've been turned down credit recently, and now I 'm being given additional negative reporting against my credit beyond the original 7. I was XXXX when my debts accumulated. Trying to recover my credit and get back on my feet. Disputed with Transunion and a non- English speaking individual told me that my credit report that was disputed looked correct. Even after saying the debt is more than 7 years old. First charge off was XX/XX/XXXX, this charge off is XX/XX/XXXX, no other collection company is listed. No bills or collection companies have notified me. Why do they get to put this back on my credit after being on there for 12 years ago? And yet the XXXX guy said it appears to look correct? What? The last guy I spoke with asked me to show proof of the first charge off..?? Until I mention if he notice the last payment was on XX/XX/XXXX. What kind of company waits 12 years to charge off a second time? Not just once in XX/XX/XXXX but again in XX/XX/XXXX. 

This was my third dispute. One online, two on the phone.
PayPal put hold on my payment {$60.00} that I paid for a participation in a tennis tournament. I called them and they said that they will release money within 24 hours but they did not do it. There is a deadline for registration soon.
XXXX is missing from escrow account # XXXX. Mr. Cooper claims this money was disbursed for tax ON XX/XX/XXXX, however it was never received by the county. 
In other words, on XX/XX/XXXX {$11000.00} was deducted from my escrow account ( Account # XXXX ) by Mr. Cooper with the reference number XXXX. This was marked as a disbursement for the XXXX County Tax. ( Note that this transaction took place right before my mortgage was transferred to a different company-XXXX XXXX ). This disbursement/payment, that Mr. Cooper claims was made, never reached the XXXX county tax department as of today ( XX/XX/XXXX ). I contacted Mr.Cooper several times and they ca n't locate where the funds are and it could take an indefinite amount of time before they can proceed with a resolution. My current mortgage company has already made another payment to the county ( in addition to the funds that were lost and deducted by Mr. Cooper ). This resulted in a negative escrow in my current mortgage account. The lack of clarity from Mr. Cooper regarding a resolution on the missing amount is not acceptable. 

To summarize : the funds that Mr. Cooper disbursed from my escrow account ( labeled as taxes ) have not been located as of today. The XXXX county tax office never received this tax disbursement and Mr. Cooper does not provide credible information regarding where these funds are. Mr. Cooper 's wait & see approach for locating these funds are not acceptable as the funds are missing/not received for well over 1 month now ( i.e. dating back to XX/XX/XXXX as per the attached loan history statement ). XXXX County tax department has no record of these funds coming in from Mr. Cooper and this is also confirmed by the county tax department. I would like a formal response from Mr. Cooper on this matter and a refund ASAP. I have tried several times contacting Mr. Cooper but no resolution has been provided until today.
This company has reported on my credit an amount of {$480.00} without notification again. This is the 4 time a company has attempted to report on my credit WITHOUT any prior written notification, even after several request none of the below mention agencies have been able to provide proof that this account belongs to me! I am required by law for debt validation along with proof that they are allowed to collect on this supposed debt. 
Diversified Consultants XXXX XXXX XXXX All this companies have reported this supposed charge from XXXX XXXX ( a service I have never had ) with out proof of debt.
West Lake Financial with rip you off ... I had my loan ( around {$4600.00} ) since XX/XX/XXXX interest at 29.9 %. I was excited because I could n't get a loan anywhere else unless I put more money down. My loan was for 34 month {$200.00} a month and I paid a lot more when I could to pay it off quicker. I made my payments on-time for years until I lost my job XX/XX/XXXX. I was caught up with my payments until the last month which it should 've been paid off. I called them to get an extension for the last payment which they said okay ( but they did n't ). Contract ended in XX/XX/XXXX the next few days later. They actually came and repossessed my truck before I had time to make the last payment. Yes they waited until my contract was up to repo my truck after having it for 3 years of on-time payments. There is no way my contract was up before my loan was paid off. I only had one payment left on the loan. I called them and they said I was making {$2.00} payments a few time on my account so my balance was {$760.00} without they repo. No one would give me answers on why and how this happen when my bank account says different. YES they said I made {$2.00} payments, not to mention it cost {$5.00} to even make a payment online. Why would anyone attempt to make a {$2.00} payment and be charged {$5.00} to do that. If I had the money I would get a lawyer to sue these scammers. They pretty much robbed me. Not only did they do that, but West Lake Financial have not been reporting my on-time payments to the credit bureau or correct balance/credit limit either. WOW right. And to say I owe them seven hundred and something dollars when I know they auctioned it off for over two grand. I am lost for words. Do n't get loans from them please. They butter you up just to eat you ...
Collecting agents keep calling my aunt instead of my personal phone number, and keep talking to them about my debt and I do n't know how they got her phone number the worst part is that she has a XXXX old baby and they keep calling at night asking for a payment. They said they have send letters which they have n't at all.