WillisBack/dataset-financial-user-claim huggingface dataset:
I, XXXX XXXX, a XXXX is working with XXXX and XXXX XXXX in requesting a loan modification for their second mortgage with CitMortgage. The homeowners had been in touch with CitiMortgage prior to my involvement and had received an email from a representative of CitiMortgage, XXXX XXXX by email with a list of documents needed to be submitted. These forms were completed by me, then reviewed and signed by the borrowers. They were submitted by email to XXXX on XXXX XXXX, 2016. I followed by with XXXX on two occasions by phone both times she informed me that she was too busy to speak with me but would call back that day. She returned one phone call at XXXX but did n't leave any message. I finally schedule a phone appt. with her today at XXXX. She called and at that time began to look at the package that was submitted to her 8 days prior. It took her no less than 15 minutes while I was on hold to review the documents. Everything she had put on the list to the XXXX had been provided. The only thing she could find to change was she wanted me to remove my name and contact information from the hardship affidavit. After working with lenders and servicers for the last 7+ years, I have never had one ask for me to remove my contact information on the hardship affidavit. I asked her to submit to underwriting to see if they needed and if necessary I would be happy to provide a new form ( signed by the borrowers ). It 's been a long haul helping homeowners in foreclosure and these type of tactics to delay and not process applications needs to stop. We are only asking that CitiMortgage review the documents and see if they would qualify for a loan modification so that they do n't loose their home.
A company called Data Check Services contacted me regarding a supposedly returned check from XX/XX/1995 in the amount of {$10.00}. To my knowledge I was never contacted by the bank to collect any insufficient funds. The bank is no longer in business. I 've advised Data Check this is a time-barred debt from 20+ years ago and to cease calling. They continue calling and have recently threatened a lawsuit and wage garnishment.
On X/XX/2017, I called in an order with XXXX for several items totalling XXXX . I did not receive the items. Instead, I received a bill. When I tried calling, I was referred to Comenity Bank by the automated phone system. I called Comenity Bank and got only an automated system that finally hung up on me and never addressed my problem. I was not aware of the association of XXXX with Comenity Bank prior to my order. Had I known, I would not have ordered anything. I had prior experience with XXXX XXXX who is also associated with Comenity Bank. This issue was resolved by the Better Business Bureau. I am concerned about the fraudulent way these companies do business, and I do n't want others to be held hostage to their practices. Please investigate and act against this unfair cooperation.
Established a business checking with 5/3 Bank XX/XX/XXXX-recommended by 5/3 to sign up for credit card processing. Was told by 5/3 account was declined. For 2.5 years 5/3 branch staff never admitted they knew what the abbreviation on my statement was for charges of {$140.00} monthly for XXXX   ACH billing were. In XX/XX/XXXX returned to branch again regarding fees. Was advised to open a merchants acct thru them. Their rep advised me when she came out & I ask her about the abbreviations, she called & learned I had already a merchants account. That had been in place since XX/XX/16 which cost me! XXXX monthly. Never received a credit card terminal, never received 1 billing statement. Was advised I had a open acct with XXXX now XXXX. I must contact them directly to resolve receiving my refund request for mothly fees. As we have our Merchant processing thru another company along with a terminal, we had in place already when starting new relationship with 5/3. Again never received any equipment, no contract, no monthly statements. After 15 days allowable  processing time required, still havent received any refund we calculate 30@XXXX= XXXX. Today was the agreed date for restitution and or explaination on there plans for resolution. Cust service rep stated the notes indicate their intent to refund {$250.00} but the back office hadnt signed off on it yet. This is major fraud. Please assist in anyway possible. Ive contatced 5/3 on sevral levels along with their processing company XXXX now dba XXXX.
In XX/XX/XXXX, I cancelled cable services with XXXX XXXX XXXX XXXX. I shipped the DVR back to them a few days late. As a result, I was billed {$680.00} for the equipment. I mailed copies of XXXX shipment receipt to XXXX XXXX XXXX XXXX, and all three credit agencies including : XXXX, Equifax, and XXXX. Unfortunately the charge remained on all three credit reports for seven years. The charge was scheduled to be removed in XX/XX/XXXX from all agencies. When I asked for the charge to be removed it was extended to XX/XX/XXXX. XX/XX/XXXX is half over and all three agencies have extended the charge to XX/XX/XXXX. Seven years have passed. Please assist me in removing this negative item from all three credit reporting agencies. I have another item through XXXX XXXX XXXX phone services in the amount of {$93.00}. I spoke with the collections agency for XXXX XXXX XXXX and they assured me the charge would be removed once It was paid. I paid the item in XX/XX/XXXX and it still remains as a derogatory account with all three credit agencies. Please assist me in removing this negative item from all three credit reporting agencies. I will fax prior and current credit reports detailing these items. Your assistance in both matters are much appreciated. Thank you, XXXX XXXX
Second or third time I 've had this issue with capital one. When I was upgrading my card I was told there would be no annual fees not only for the first year, but no annual fees ever I am always very specific about this. And after a year I received an annual fee! I call in ( takes over an hour! ) Manager says although I was given incorrect information there is nothing she can do and I will unfortunately have to pay it. This is YOUR business YOU are the one responsible for what you say, you 're the professional not me. She agrees but says i 'll have to pay the fee for their mistake ... That 's crazy. I insist i 'm not going to and that you 're not allowed to lie to the customer and after about 10 minutes of standing my ground she said she would 'look into it. ' First of all they are n't going to look into it they never do, and second had I not insisted for 10 minutes, spent over an hour being transferred from one person to another I would have got stuck paying this bogus fee ( and as of right now they still want me too! ) {$19.00} is worth an hour of my life and a lot of americans feel that way too so they do n't even call in to argue. This needs to stop! Oh and they also 'correctly upgraded my card ' so there should n't be a {$19.00} fee next year ... or so I was told. They just prey on people forgetting and not wanting to waste their time calling in. Insane.
I paid my Macys credit card bill in full on XX/XX/XXXX. I did not personally make any charges, either online or in person, between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received a statement in the mail from Macys showing and outstanding balance due of {$1100.00}. These charges were made in XX/XX/XXXX, in XXXX XXXX XXXX and XXXX, NJ. Both of those locations are 3 + hours away from my home. Neither my husband nor I were in XXXX or XXXX, NJ on the dates that these charges were made, nor did we make ANY charges to our Macys account in XX/XX/XXXX. I have the actual, physical credit card still in my possession, so someone stole the NUMBER and not the CARD itself. On XX/XX/XXXX, I called Macys and CANCELLED THE ACCOUNT and requested a Statement of Fraud affidavit, which they said they would send via email. I then learned that additional fraudulent charges had been made between the statement closing date of XX/XX/XXXX and XX/XX/XXXX. The total amount of fraudulent charges made against my account before I closed it was : {$2100.00}. I have made a report to the New York State Police, and also filed a fraud / identity theft affidavit with the Federal Trade Commission. I am writing to the card issuer, XXXX XXXX XXXX XXXX, to dispute the charges as well.
Dear Sir/Madam, I previously notified Capital One bank that I am a victim of identity theft, and requested that you do the following : Remove all unauthorized charges on my account, and Take steps to remove information about my account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my account ending in XXXX were used without my authorization due to identity theft and was charged for the total amount of USD XXXX. I did not authorize these charges, and I request that all unauthorized charges be removed. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my Identity Theft Police Report. Because the information you are reporting isthe result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B  ). I ask that you take these steps as soon as possible. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. Sincerely, Enclosures : Identity Theft Police Report
The account XXXX XXXX / XXXX XXXX # XXXX owned by XXXX XXXX XXXX ( XXXX ) remains on my credit report despite numerous requests to have it removed over the past year. This account was originally sold to XXXX for collection by XXXX XXXX / XXXX XXXX This account was settled with XXXX after paying them directly six payments totaling {$3400.00}. XXXX has issued directly to the Experian credit agency multiple letters in both XXXX and XXXX requesting that the account be removed from my report. This is in addition to the multiple copies I have provided. Experian has refused to comply with XXXX request. I have now filed an action with both the CFPB and the Massachusetts States Attorney General office requesting assistance in this matter. I have provided a copy of one of these letters.
XXXX XXXX, XXXX Fifth Third Bank and Banker XXXX XXXX at the XXXX Bank, XXXX, IL Previously known as Legacy No. XXXX and cfpb XXXX. XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX with the Office of the President, XXXX XXXX Operations Center, XXXX XXXX XXXX, MD XXXX, XXXX, OH XXXX - not honest services.
XXXX continue to report a zombie debt as active. Also XXXX XXXX XXXX over the past ten years have reported inaccurate information to Experian Credit bureau and refuse to remove this item after several attempts of dispute process. The State of Limitations on this alleged debt, even should it be ours, is 7 years in the state of ( California ). Since the debt is out of the statute of limitations, this needs to be deleted from my report. XXXX XXXX XXXX continues to notify Experian of debt as being charged off with a balance showing {$780.00} owning. XXXX XXXX XXXX continue to report different dates of reported debt open, and status of date of removal to be now XXXX 2019. 
provisions in the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX XXXX has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

XXXX XXXX XXXX has caused great harm to my credit report and over the past ten years has been very stressful.
XXXX I was under the mortgage modification program with XXXX XXXX. I follow the plan with payments. All payments were on time. XXXX XXXX reported my mortgage late 60 days to all credit bureaus. I called to dispute this with XXXX XXXX and they said there is nothing they could do for me to correct the mistake. I disputed the information with the credit bureaus and XXXX XXXX did not correct the error. I received a letter from XXXX XXXX XXXX saying they made the error. This error caused my refi request from XXXX XXXX XXXX to be declined. This error cost me Thousands of Dollars in interest because I could not refi the XXXX XXXX Loan. I am still paying 1.0 % over the current rates today.
On XX/XX/XXXX I received a certified letter from my county tax bureau that I was in default of paying my local school taxes from the previous year - XXXX. 
The amount due ( with penalties ) is {$2800.00} that was to be paid on XX/XX/XXXX. The bill was to be paid via escrow by my company EmbraceXXXXXXXX XXXX, but was rejected back to the mortgage company on XX/XX/XXXX by the local tax collector in my School District for an unknown reason. 
No other payment was made after XX/XX/XXXX, and I was not notified of a problem until I received the certified letter from my county in XXXX. 
On XX/XX/XXXX, I faxed all of this information to Embrace and asked them to pay before the deadline ofXX/XX/XXXX. I have made several inquiries since then as to the status of this problem with no resolution. As of today XX/XX/XXXX, I have had no correspondence that assures me that this will be paid on time. If it is not, new fees will be assessed.
Unknown late payments XXXX BANK XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 60 days Status Updated XXXX/XXXX/XXXX Balance {$4.00} Balance Updated - Credit Limit {$1500.00} Past Due Amount - High Balance {$1500.00} Monthly Payment {$4.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX Ownership Individual Original Creditor - Company Sold-to
I have  XXXX  credit cards wit h Chase and when I used them they closed them for no reason other than the fact I used them. I am paying these cards per the terms and pay them 100 % on time. Chase is not reporting these accounts with the initial credit limits which totaled approximately {$18000.00} - rather as maxed out limits of approximately {$8000.00}. This is lowering my credit score b ecause it does not accurately report my credit ratio as less than half used.
In XX/XX/XXXX, I was called on the telephone by a debt collection agency trying to collect a debt from a hospital stay in XX/XX/XXXX. The person on the phone was rude and demanded payment immediately even though he had no information about the exact services rendered. I disputed the bill in writing, until further proof and itemized bills could be produced. Once I received an itemized bill, I was able to verify what the correct charges were and I paid the bill in full with a personal check in XX/XX/XXXX. The check has been cashed and cleared my bank account. Since that date I continue to received bills from the same company, and another company under a different name ( XXXX ).  I have called both companies and told them that the bill was paid in full, providing copies of cancelled checks, but I continue to receive bills on a monthly basis. I am tired of trying to resolve this situation.
We had been paying on a debt through the Collection Center in XXXX, Wyoming. We had been having automatic withdrawels out of my husbands bank account XXXX a month to pay on this debt. In XXXX of XX/XX/XXXX my husband had to have surgery so the payment in XXXX was the last XXXX we had made. We did call and was working with an agent at the collection center named XXXX who was working with us and understood our situation and new that just as soon as my husband went back to work we would continue paying this debt. Today we discovered my husbands bank account was XXXX. We called the bank and they informed us that the collection agency had garnished not only the checking but also the savings account. Which is double the amount of what we owe the collection agency to satisfy the debt. We called the collection agency and they informed us that because we had n't made a payment since XXXX they had put the garnishment against us. We have recieved no current court documentation regarding any garnishments or intent to garnish and also informed us that the agent we were working with had quit last month so they just took it upon themselves to file the garnishment which they said they used a judgement served upon us back in XX/XX/XXXX. My husband and myself feel that this has to be illegal somehow. We do n't understand, firstly how they can garnish his accounts based on a judgement from 8 years ago let alone garnish us in this matter after we have been faithful in payment up until my husbands surgery, and not to mention the fact that the bank account is now in overdraft for XXXX the amount owed, which they are denying but the bank statement we have clearly shows a negative balance for XXXX the amount. Please help us
I previously had cable services thru XX/XX/XXXX with XXXX. Upon moving in XXXX XXXX, I lost a cable box, therefore, I was being billed for the box. I finally found the box in XXXX XXXX and called XXXX to see if I could still return it. I was told that once I returned the box, my balance would be {$0.00}. I returned the box on XXXX/XXXX/XXXX at their XXXX, TX store. I have attached the receipt given to me to reflect the return. After returning the equipment, I never received any calls nor notification from XXXX that I owed anything else. 3 years later, I noticed that a collection account by SW Credit was placed on my credit bureaus for the {$200.00} that was previously owed before I returned the box.
I have a private student loan from Discover. I am currently a XXXX, making XXXX per year and can not repay my loans at this time. With all other loans, including all other federal and private loans I am able to apply for forebearance as long as I supply proof that I am still in training. 
Discover has told me that I " can only be in residency 4 years '' and that my ability to forebear my loan is over and I must pay up. I have explained to multiple discover reps who call to harrass me that I am still in traning. They continue to tell me that I can only be in training for 4 years and now I have to pay. 
I make $ XXXX. I AM STILL IN TRAINING. It is crazy that Discover is telling me I have a job and I have a higher salary
I talked to them and they said it was for a old account But since I was on the way to work and driving I told them I will call them the next day and this person said " NO you have to call me today " I ended hanging up I was on my way to work and could not hear her I ask my wife to call them and they would not give her the physical address they gave her a po box and did n't want to provide anything alse unless she gave them information about me like birthday and she told them she would not provide any information to someone who will not give her more details about it. I need to know how much and if this is legit.
My account was placed with a Company named Pressler and Pressler in XXXX NJ. I owed a bill from XXXX back in XXXX. Pressler and Pressler bought the account off XXXX and then reached out to me regarding a past due balance I owed. However after many years of the back and forth they reached out to my Employer for a Wage Garnishment which took effect on XX/XX/XXXX and every 2 weeks moving forward 10 % of my income would be deducted from my pay until the Balance was paid in full. Up until today 's date XX/XX/XXXX the balance owed is/was {$680.00}. On Friday XX/XX/XXXX Pressler had a Bank Levy put on my account and withdrew {$1200.00} and a {$120.00} processing fee. After contacting Pressler on the same day of XX/XX/XXXX and speaking with a Gentleman, he told me that I owed the account for years and that the Levy was placed because no payment or agreements were made. I explained to him that I had proof from my Payroll company that payments were in fact being made and I could provide proof if needed. He informed me that being the account was owed for years and since the Bank Levy took place already that if there was anything they could do it would be to subtract what I made in payments once verified or they would continue with the Garnishment and send me back all of the {$1200.00}. but more then likely it would be to send me the difference of what was withdrawn from my Account. He said he would call me back by XXXX the same day and no one has yet to contact me. I have yet to hear back them or receive any monies back in my account and due to this unnecessary Bank Levy they put on my account it has caused my rent to be late, bills to be late and my Checking Account to be overdrawn with overdrafts fees that I am accumulating from things coming back and not being paid and has caused me great financial burden and stress as I have XXXX children to take care of due to what this Company has done.
I called Experian XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXabout some hard inquiries that I did not authorize. Experian told me that I would have to call each creditor, well I called the creditors XX/XX/XXXX,XX/XX/XXXXand they told me that I would have to call Experian because Experian is the only one to take them off. I called Experian and they said that they could not take them off. I even wrote a hard inquiry removal letterXX/XX/XXXX, providing my DL, SS card, a utility bill, and they sent me a letter back saying that they still could not take them off. This is very frustrating and unfair because I did not authorize those inquiries. It is a total of XXXX, that I didnt authorize. I only authorized XXXX XXXX, XXXX XXXX XXXX, and XXXX. The others I didnt authorize.
I had a checking account and credit card with HSBC USA. In early XX/XX/2015, I called HSBC USA to cancel all my accounts with them. They closed only the Checking account, and left the credit card opened. As a consequence, a remaining balance of a few dozen dollars was on my card a few months before I realize it. I had automated payment from checking to card, but after they closed my checking, no payment arrived on the card account. 
HSBC USA never contacted me about the card account. I contacted them many times, but since I closed my bank account with them, they did n't want to help me and correct there mistakes. 
As a consequence, I have a delinquency posted on my report that cost me a lot.
I am a small business owner. AIMLOAN requested the source for XXXX deposits made into my personal account. I provided them the source along with a letter from the financial institution verifying the source, which was a corporate checking account. They said a letter from the financial institution was not sufficient that they wanted the corporate bank records. They were advised that was not going to happen. They are not requiring that I find another bank account with enough funds in it to make the down payment on the mortgage. The only account I have is a XXXX, so they are now requiring I take a loan against the XXXX to make the down payment. This and other actions feels like retaliation for a previous complaint against the same company.
I am a XXXX who as been in practice XXXX years. My monthly student loan payments are almost XXXX of my monthly income. I struggle to make my payments every month. I am current on my loans and have never missed a payment. When I asked my loan servicer to modify my loan terms, I was told that borrowers can only take advantage of reduced monthly payments for a XXXX year period and this option is only offered once throughout the term of the loan. I understand that servicers have options to modify loans because they do so when borrowers are in default on their loans. servciers should offer these same options to those not in default.