WillisBack/dataset-financial-user-claim huggingface dataset:
I ask you for help with the agency Experian, I sent a letter more than 3 months ago to request have remove more than XXXX credit inquiries that I have not recognized, and which I have not done or made. I don't know from where I have so many credit requests. 

I have Attached the report, as well the same was sent to Experian with a signed letter, with copies of my documents. And where did ask please to you remove all details of credit requests or credit inquiries. Which they have not done so far.
On XX/XX/2018 I wrote to XXXX XXXX XXXX in regards to them saying I owe them {$400.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I  received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote TransUnion, XXXX. XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. I also wrote XXXX XXXX XXXX on XX/XX/2018 in regards to them saying I owe them {$260.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them.And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote TransUnion, XXXX. XXXX  informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I also wrote XXXX on XX/XX/2018 in regards to them saying I owe them {$40.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote TransUnion, XXXX. XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I also wrote XXXX XXXX on XX/XX/2018 in regards to them saying I owe them {$980.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And I haven't received any information. I recently checked my credit report and I see they our reporting this debt from XXXX in the amount of {$450.00}. These accounts are not mine and I would like it removed.So on XX/XX/2018 I wrote TransUnion, XXXX. XXXX  informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I ALSO WROTE THEM ABOUT XXXX XXXX AND XXXX XXXX IN WHICH I HAVENT RECEIVED NO UDPDATE! I WROTE TO TRANSUNION, XXXX, AND XXXX ABOUT THESE UNAUTHORIZED INQUIRIES REPORTING ON MY CREDIT REPORT. I WOULD LIKE ALL THIS INACCUARATE INFORMATION DELETED OFF MY CREDIT REPORT IMMEDIATELY!
I demand these account must be verified or removed immediately  XXXX   XXXX  Account #  XXXX   XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX   XXXX  Account #  XXXX     XXXX   XXXX   XXXX   Account #  XXXX
Transunion Customer Service would not help and take care of the negative inquiries reporting to my credit report XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX via XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
On XX/XX/2018 my XXXX was stolen. 
On XX/XX/XXXX my Bank of America checking account was charged {$2900.00} to a XXXX user I did not recognize. 
On XX/XX/XXXX my Bank of America savings account was charged XXXX Trasnfer Conf # XXXX XXXX, XXXX for {$1200.00} These are both fraud activities. After the first activity I called Bank of American and they said they put a hold on my account for anymore electronic transfers but then the savings account activity happened.
I opened an account with Coinbase in XXXX of 2017. In late XXXX into early XXXX of 2017 the company 's system effectively locked me out of my account by an error that was happening on their dual verification system. After I emailed their customer service multiple times and received no response after days and days, I finally began to call them. I contacted them five times and waited on hold for one to two hours before I finally got through. Two of those times the customer service rep put me on hold and then the phone hung up. They did not call me back or email me, even thought they had my information. When I finally reached someone that said they could help, they instructed me that I would need to re-verify my credential, which is a process that takes up to 72 hours. I made the attempt to do so and tried to upload my license and photo a total of 17 times over a three day period. Each time I received an error message stating that their systems were overloaded and to try back. After all the attempts over a stretch of time, I called again and told it would be escalated to a senior adivsor. I was tole they can not tell me when I would hear back. In the meantime I have no access to my funds and have lost on significant profits as I would have sold off my currency at high points during the time I was shut out.
I have had multiple occasions where Sallie Mae has rejected my automatic bank account payments ( which I signed onto solely so I could reduce my rising interest rates ), which then resulted in a $ XXXX/month late fee, a ding on my credit score, and less opportunities to reduce my interest rates. I am currently in a standstill where I have my LOWEST interest rate at just under 8 %, and my highest at 10.25 %. Despite making over $ XXXX a year out of school, I am struggling to pay my ~ $ XXXX/month payment to Sallie Mae, and upon my times of calling have not been offered any solutions to reduce my rates aside from forbearance, which would result in a vast increase in interest buildup and a fee to even begin the forbearance. Sallie Mae has not been able to offer my any repayment options and basically has said that I need to seek outside options to refinance, however I do not have a co-signer figure to do so, and am rejected by said organizations despite on-time payments and my income.
Citibank in their response to my complaint against ( Case # XXXX ) them stated they have not attempted to collect on the debt in question since XXXX XXXX when it was sold to XXXX. And that a copy of my complaint and Citibank response will be forwarded to XXXX. ( See Attached ) I want to know what part of my complaint against Citibank was sent ; the complaint, or the complaint and fair resolution. I like to know whom it was addressed to and the address it was sent to. 
I want to address the issue of the debt being sold XXXX XXXX and all information made through the date of sale is given to the debt buyer. Why was my complaint against Citibank, and Citibank response forwarded to the debt buyer after the date of sale? 
Citibank fraudulently stated in their response to my complaint that they received a " Cease and Desist request from me in XXXX XXXX, and the account was updated accordingly. '' I never sent or requested a Cease and Desist. My written request made in XXXX XXXX to XXXX XXXX XXXX , XXXX was that all communication to be in writing, there was no mention of cease and desist. 
I want Citibank to produce the Cease and Desist that they refer to in their response to my complaint. ( Case # XXXX )
Someone stole our debit card number and more than {$7000.00}. out of our BB & T bank account. My husband had the card in his possession, but when he used it, it must 've been copied or however criminals do it. I made a claim with the fraud department at BB & T bank and also a police report at the XXXX XXXX XXXX XXXX. I was then in a letter denied by BB & T for the return of our money. All of BB & T workers at the XXXX, Florida branch do not know policy and give you a complete runaround.
I had a portion of my student loans serviced by Navient and was originally on Income Based Repayment due to the very large student loans I have from XXXX  XXXX. I was notified by Navient in XXXX that my loan with them was not eligible for IBR anymore and they refused to take into consideration by total loan amount from school. Due to the refusal to keep my loan in IBR, I had to consolidate my loans with another loan servicing agency and lost approximately 3 years of IBR status and had to start all over from XXXX which can total over {$30000.00} in payments and additional compound interest as the resulting principle with grow for those additional 3 years before they are forgiven under the IBR terms.
I am an XXXX year old XXXX woman and in XXXX I began getting letters from Financial Freedom threatening me with foreclosure. These letters said I owed Financial Freedom {$3300.00} for advances they paid out on my reverse mortgage. However, when I called Financial Freedom on numerous occasions no one could explain to me what these were for. Finally, my son ordered an account history and after reviewing the history we determined that Financial Freedom was billing me for taxes that had already been paid or for taxes they claim they paid 8-10 years ago. When I asked them to provide proof they actually paid the taxes, they keep me on the phone for nearly 2 hours and made speak to 8 different people who kept telling me. " That 's not my department. '' an then tell me I 'm the one who has to prove it. 

My son and I went through the payment history realized that even if Financial Freedom is correct and they paid the taxes when they claim they did, I would not {$3300.00}. 

Please help I want to keep my home. I have nowhere else to go. I do n't want to be kicked to the street like the that XXXX woman who had Reverse Mortgage a few years ago.
EXPERIAN-I NEED TO FILE A DISPUTE AND I CAN NOT REACH THEM. I HAVE TRIED REACHING OUT TO THEM BY PHONE AT LEAST XXXX TIMES AND ALL YOU GET IS A RECORDING. I HAD REMOVED MY FREEZE WELL OVER A MONTH AGO AND I STILL CAN NOT GET A DISPUTE REQUEST. I HAD NO TROUBLE REACHING XXXX AND XXXX. WHY IS EXPERIAN SUCH A PAIN IN THE BEHIND ABOUT GETTING HELP FIXING MY CREDIT ... THERE ARE ACCOUNT THAT NEED UPDATING AND ACCOUNTS THAT ARE NOT MINE ... HOW CAN I GET HELP WITH THIS DISPUTE ... ...
On my credit report it shows that Cavalry Portfolio Svcs is a collection agency/attorney that purchased the credit card I had with XXXX XXXX XXXX. They state on the credit report that I made a payment on XX/XX/2014. I did not make a payment on XX/XX/2014. I believe they made the payment so that they could " reset '' the clock on this. I was behind in my mortgage and barely had enough to pay my current living expenses I most certainly would not have made a payment on a card that I would not be able to use. I want proof that I paid that. I know that I did n't.
Nursing home where my mother was staying is trying to collect a debt that she owes from me. I am her daughter but did not sign her into the home nor do i have Power of Attorney.
My name is XXXX XXXX XXXX. I had a XXXX container delivered to my home at XXXX XXXX XXXX, XXXX Pa XXXX. I lost my job and could not pay. The container was confiscated and a {$1000.00} charge was put on my account. I am not disputing that it is owed by me. The problem is that my son XXXX XXXX XXXX is attempting to buy a house and found out via a lender that the charge is on his credit. Naturally we have XXXX different social security numbers and should not be an issue to change. The account was sent to a collection firm by the name Caine and Weiner at XXXX. I contacted them several time starting a XX/XX/XXXX and asked them to send me a invoice or document that defines the person responsible for paying the debt is XXXX XXXX XXXX not XXXX XXXX XXXX. It has been almost a month. I was told told several different things that I would get something within a week. I have nothing so far and my son is losing valuable time in getting a lender that is aligned with his perfect credit. Please help us. 


Thank you, XXXX XXXX XXXX
We were debited earned cash back rewards from Citi Visa. The credits were earned with purchases on their card. We had a refund returned on the Citi Visa for a purchase that was made on XXXX XXXX. Both cards were issued through Costco. We received a {$12.00} reward from the XXXX purchase but deducted {$74.00} in cash back rewards from Citi on the refund. They should have only deducted {$12.00}. We made two calls to them to correct the error and they refused stating it was an automated process. It is our position that this was a fraudulent transaction on their part. We earned the cash back credits per the terms of their card agreement and Citi wrongfully deducted the earned cash of {$62.00}.
My wife had her cards lost or stollen. We contacted the banks we do business with, all of them EXCEPT for XXXX were super helpful. 

Wells Fargo kept her on hold for over an hour and ultimately REFUSED to suspend the card. We then requested to cancel the account to prevent any unauthorized charges, they refused that also. We spoke with supervisors and other groups, nobody could assist.
Per the Deed ofTrust, we reinstated our loan on XX/XX/XXXX the amt due of {$32000.00} was funded via certified ck. The XX/XX/XXXX was at a XXXX bal. On XX/XX/XXXX Bank of America served us with foreclosure notice. We went to the local branch to work it out. XXXX called BOA customer service. Their response was " we do n't retract foreclosures. You will just have to go to the hearing on XX/XX/XXXX @ XXXX. In the meantime, we made XX/XX/XXXX & XX/XX/XXXX. pymts @ {$1600.00} each. The bank recorded them as regular pymts. We tried to pay XX/XX/XXXX & the teller advised that our pymt had more than doubled. The new pymt would be {$3300.00}. XXXX tried to help again then she turned us away, stating, " if you ca n't pay {$3300.00} then you ca n't make your pymt today. We tried again in XX/XX/XXXX to pay. We were turned away, again. The XX/XX/XXXX XXXX hearing was cancelled/rescheduled. The home remained in foreclosure all of XX/XX/XXXX and in turn, we were unable to make pymts. When the foreclosure was dismissed XX/XX/XXXX we tried to do a loan modification to keep the home.No XXXX followed up w/ us. The bank would serve us w/ XXXX additional foreclosures after this. We tried XXXX more loan modifications until finally in XX/XX/XXXX the President/CEO 's office handled our loan mod. They denied the modification after promising to help us obtain a loan mod. THEN they sold our loan to XXXX XXXX days after denying our loan mod.The LAST monthly statement we received from BOA states that we owed {$84000.00} the XXXX monthly statement we received from XXXX states that we owe {$120000.00}. WITHIN XXXX DAYS our amount increased by {$37000.00}. During all XXXX loan modifications, BOA had us in foreclosure. We also tried, to no avail, XXXX loan modifications XXXX XXXX Bank XXXX We are now being kicked out of our home after the bank kept us in foreclosure and not allowing us to make pymts. PLEASE HELP US SAVE OUR HOME! We have been fighting for XXXX years to be able to make our house pymts and continue to raise our son in the only home that he has ever known. WE HAVE BEEN BULLIED IN TO FORECLOSURE and have been unsuccessful in our legal actions, thus far. I will be filing a complaint against XXXX as they bought the loan from Bank of America in XX/XX/XXXX and they have been less than forth coming with their actions as well.
I am interested in citi prestige credit card and went to citi XXXX branch in LA last Saturday XX/XX/XXXX. 

I was waiting in the lobby for about 20 mins then a lady named XXXX showed up to help me. XXXX tried to get rid of me the moment that I mentioned I want to apply for prestige credit card. She does n't know this particular credit card very well and also try to persuade me to apply for another cards. She keeps selling other credit cards to me and meanwhile she said if I want to have prestige card then the annual fee is {$450.00}. I asked if she could let me open a priority account to reduce the annual fee to {$350.00} ( which everyone else is doing ). She did n't want to help me at all at that point and said I should JUST GO HOME AND APPLY ONLINE because " if you apply online, the annual fee is {$350.00} '' - which is a totally lie! I know that If I apply online the annual fee is still {$450.00}! 

After I told her this is not true, she went to ask her manager. Then she told me that I have to have a cashier check with {$50000.00} to open a checking account. I am highly doubt this is the truth. They are just trying to get rid of me. The general fee for the checking account is $ 30 monthly and hold {$50000.00} in the account will waive the monthly fee. That 's it. It 's not a criteria at all to have {$50000.00} to apply for the checking account!!!
Her manager even told me that they are afraid I 'll close the checking account after I got the discount for credit card so that they are not willing to open the checking account for me. They want to see the cashier check first to prove " I am serious about it ''. I told them that I would go home and ACH the {$50000.00} to the priority account from other bank. But they just do n't trust me at all and treat me like a liar or trick me like a fool. 

XXXX and her manager can not just trick customers like this! They are so unprofessional. I drove more than two hours to the XXXX branch because there is no citi branch in my town. XXXX and her manager has wasted another 40 mins with their bad and inpatient attitude!
The credit reporting agency refused to show proof this debt belong to me. Also refused to investigate the account properly according to fcra. The account XXXX XXXX XXXX need to be investigated properly
Back in XX/XX/XXXX my wife and I decided to trade-in our XXXX XXXX XXXX Coupe Vehicle and get a XXXX XXXX XXXX Lease Contract. 

We drove it until XX/XX/XXXX and decided we were paying to much for the car and the car insurance when I was not using the car as often because my new job at the time was in the city and I took public transportation to get to work ( The car was literally parked 5 days a week ). My wife and I decided to return the vehicle still in NEW condition. 

I was told because it was relatively new, I after they send it to an Auction, I was more likely to pay a small amount back, due to the condition of the vehicle. 

After a few months we notice XXXX XXXX decided to notify us that we still owe {$17000.00} which I believe is too high, considering the vehicle is a XXXX vehicle and is in great condition. To make matters worse, I was forced to re-signed at the job I had and was unable to pay that Debt and now they affected my wife and my credit score for not being able to pay that huge amount, for a car we barely used.
I had my mortgage reviewed under XXXX ; however, I was advised that since my mortgage is so low ( Est- {$32000.00} ), the fees associated with this were {$5200.00}. Per government guidelines, the fees could only be 3 %, which is around {$960.00} base on my loan balance. Therefore, Nationstar would NOT be able to do a modification to lower my rate. I do not understand why the fees they quotes are so high - {$5200.00} in origination, title, etc for fees seems to be an exorbitant amount. The associate stated he could ask for a supervisor to right off {$4000.00} in fees, but it would NOT be approved, so he was NOT going to ask. He pretty much told me that everything needs to be good for 'both ' sides ( company and consumer ) for this to happen, and that I just did n't owe enough money. I asked if I would receive something in writing, and he said no, since he was NOT going to put anything through, nor ask for an approval to 'write off ' {$4000.00} in fees.
I received a payday loan from the XXXX XXXX approximately XX/XX/XXXX. I made approximately 4 or 5 payments on time and could not keep up. I contacted the store about possible options. They told me I would have to contact the corporate office. I spoke with a representative in collections approximately 3-4 months later about making a payment. The representative said if I paid the amount listed the company would take a loss because they were not making any money off the loan. I apologized and told him I was trying to get the debt settled. He accepted payment on the phone and I never heard anything else about it until last week. I now have a collection for {$150.00} from National Credit Adjusters. I have been looking through my personal statements in attempt to find the exact amounts and dates paid. I can only recall that the loan was over {$1200.00}. XXXX XXXX said the loan was {$1200.00} and it was opened on XX/XX/XXXX. They can not give me any payment information. They can not tell me how much I paid or when. They told me the account was sold to XXXX XXXX XXXX. I have since spoken to XXXX XXXX XXXX, XXXX XXXX XXXX, National Credit Adjusters and XXXX XXXX XXXX. No one can provide any documentation proving I obtained the debt and still owe {$150.00}. I made a single payment to resolve this debt. There is no way possible I still owe {$150.00}. The collection showed up on my credit report this month. I have not been able to resolve this issue and no one can provide any proof of prior payments. I spoke with XXXX XXXX on XX/XX/XXXX. He said the companies cant retain all of that information and told me I was wasting my time to investigate and it would be easier to just pay it. He could provide any proof that the money is owed.
Like I highlighted to Nationstar. Under the Florida Hardest Hit Program Loan Proceeds. The HHF Loan proceeds may be advanced by the lender on the Borrowers behalf for the fowlling purpose only. 1. Unemployment Mortgage Assistance Program ( UMAP ) To pay up to twelve monthly installments of principal, interest, and, if required under the terms of the Borrowers First Mortgage Loan, the Mortgage insurance premium and the escrow amount for taxes, insurance and homeowner association fees as applicable ( PITIA ). To not exceed {$24000.00}. 2. Mortgage Loan Reinstatement Program ( MLRP ) to reinstate the loan, that include mortgage insurance, escrow for taxes and insurance and homeowners association fees. Not to exceed {$24000.00}.
On XXXX XXXX, 2016 we paid {$4000.00} to pay off our Citi Credit card ( last XXXX account # XXXX ) and received a interest bill for {$27.00}. Per statement and agent XXXX at Citi Bank they charge DAILY interest on the account for money owed up through the end of billing cycle and/or the time the payment is processed. The account was paid off based on their information and now they are charging us for money that has already been received by them. 

If they continue with " daily billing '' it will be impossible to pay off a credit card, if of course we paid per their billing statement. 

However, theoretically, even if I sent money and they received the money the same day as our billing cycle begins, they can still bill me interest for the hours or the day it takes them to process the payment. 

So according to their business model and legal agreement, I WILL NEVER BE ABLE TO PAY THE ACCOUNT IN FULL!