WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing this letter on behalf of my father. I am his daughter and I just became care taker of his finances on XXXX XXXX, XXXX after he was hospitalized XXXX XXXX, XXXX. 
As I am currently reviewing my fathers finances, I came across his car note. I have many concerns about the contract being that my father is on a fixed income. 
He is requesting a reduction in the interest rate on the car payments. He requests you to reduce the current interest rate of 24.01 % to a more reasonable rate of 3.95 % so it is more in line with the current market rate for used cars. 
We have visited the websites of several competitors and notice that they are offering an interest rate much lower than what he is currently receiving. He stated that the whole process was confusing because of the electronic signature process. He was XXXX XXXX XXXX at the time and does not have a good understanding on todays technologies. After reviewing this information with my father, we feel that this contract is unfair. There is a scam that unscrupulous salesmen and load companies play on the elderly and I am hoping this is not the case. 
My father have been a solid customer with your company for the past 20 months and would appreciate your consideration of a lower rate on his account. You will find that he maintained an excellent history of payment with your company and would appreciate your consideration of a lowered rate at this time.
To Consumer Financial Protection Bureau : I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. In late XXXX XXXX, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. I signed up for the promotion because I was lured in with a bonus promotion that promised XXXX AAdvantage miles would be credited to my AAdvantage account that was linked with my Citi AAdvantage Platinum Select credit card. Hence I had confirmed via chat with a Citi Bank representative a few days after my application that the application will be processed, and that I qualified for the bonus offer of XXXX Miles upon meeting the promotion requirements : Within 60 days, complete a purchase of {$1000.00} or more with your Citigold Debit card and perform XXXX or more bill payments for 2 consecutive calendar months. This information should be discoverable as all conversations are recorded by Citibank. After I met the promotion requirements, I contacted via phone and chat to Citibank to confirm this and to inquire when to expect the points to be posted. I was told to wait for about 90 days and my points would be posted to my XXXX XXXX XXXX account. However, towards the end of XXXX, my miles had not posted and it had been past 90 days. On XXXX XXXX, XXXX, I received a formal letter from XXXX XXXX, Director, Client Research, informing me that there was no AAdvantage miles promotion offered in conjunction with the opening of my account. See attached letter from Citibank. This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was not for this promotion. I am requesting Citi to honor the set promotion. If I was indeed not targeted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not do it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. They have not acknowledged that if I was not going to receive a bonus it should have been communicated to me during numerous confirmations about the offer. It has been weeks of dealing with this and I am very disappointed that Citi would mislead and treat their customers in this manner. I have been a customer since early XXXX and if this is not handled appropriately I will pursue it further with litigation and no longer do business with this company ever again. I appreciate any help the CFPB can offer to resolve this issue in a timely and satisfactorily manner. Thanks.
As a federal government employee in the midst of a government shutdown, we are requesting a Mortgage Forbearance.
We have reviewed the judgement information. Case or ID # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX
In XX/XX/XXXX I rented an apartment with XXXX XXXX. I vacated apartment upon lease end and provided proper notice to building managment, which was non-existent at the time. Months later I receive phone calls stating that I owe a balance for three months of rent, spanning outside of the leasing agreement. I have disputed these charges numerous times through out the years until most recently on XX/XX/XXXX, when I decided to contact the collection agency directly. I was given incorrect information. I was informed that the account had been closed and that a deletion request would be sent. Now in XX/XX/XXXX, I realize this account remains on my credit report. I reached out to them again and found out to my surprise that the wrong account was pulled up back in XX/XX/XXXX and that someone else 's account was deleted, and that I therefore still owe for this apartment from XX/XX/XXXX. I continuously as for supporting documents, to which I dont receive. Neither have I ever received any written correspondence regarding this alleged debt. I have reached out the municalities in the town where this apartment is rented, and there are no court motions or correspondence validating these charges. Please help, as my hand are tied at this point and my credit is continuing to suffer. Kind regards, XXXX.
There is an account on my Equifax report that does not belong to me. I have tried to contact the collection agency XXXX XXXX whom is reporting this account and the phone numbers are disconnected and the fax numbers are no longer in service. I disputed this account with Equifax and the response I got was this account was 'VERIFIED '. XXXX did not verify this account because this company is no longer in business. I asked for the METHOD OF VERIFICATION that XXXX used and got no response other than XXXX. There is no way that this account was verified if it is gone out of business. This collection account has ruined my credit score tremendously and I am using CFPB as the last resort before pursuing legal action. There is XXXX accounts from XXXX which are all medical bills that do not belong to me all fraudulent accounts with dollar amounts are as such {$140.00}, {$94.00}, {$280.00}, {$170.00} and {$140.00} I have not been sick nor have I showed my drivers license to this facility. XXXX is also a medical bill that do not belong to me that has not been validated for {$990.00}. XXXX is a collection account that have not been validated for {$1000.00} whom I have no knowledge about whom the collection agency did not validate when I asked for the information. XXXX for {$10000.00} definitely do not belong to me I tried to validate this account and got no contract with my signed signature showing that I signed any paperwork for XXXX they have not shown me that they have license to collect in my state nor have they shown me paperwork that I signed owing XXXX not the original creditor. If XXXX purchased the account I need validation paperwork. I have disputed these accounts numerous times with XXXX as well as the collection agencies for VALIDATION and have not gotten a response in 30 days from the collection agency so I am certain that these accounts have not been properly verified through Equifax. I requested signed paperwork with my signature on it for validation that this account belongs to me and XXXX nor the collection agencies verified not validated this fraudulent information. This is my last attempt for this fraudulent accounts to be removed immediately since they have not been validated.
I have 5 checking accounts w US bank and I received a 10 day notice they were closing all my accounts and would not give a reason. No checks were ever bounced. I will not get my social security check which I desperately need.
A woman named used my debit card without authorization and drained my bank account. She also got into my savings account and drained it as well. I complained to Bank of America. However, they said because she had gotten my PIN number that the transactions were valid. SHE DID NOT HAVE MY PERMISSION NOR WAS THE CARD IN MY POSSESSION, and there is a taped phone recording that backs me up. I have filed a police report naming the ID thief. Bank of America also charged me fees for going over the amount of allowed withdrawals on my savings account it was not me who made or authorized the withdrawals. They sent me a letter dated XXXX XXXX informing that they were seizing all my money and leaving me penniless. There are XXXX claims, XXXX for the checking account and XXXX for the savings account.
The company is billing me for the amount that the insurance company considers a discount and the amount is not owed by the patient. The patient paid the {$150.00} hospital deductible at the time of service and that was the only amount owed. Paid in full to XXXX XXXX in XXXX 2017. The EOB confirming this information will be attached to this complaint.
I disputed an account on my credit file and was advised that the item will be removed. However when I pulled a new report the item is still showing. I have made XXXX calls and spend over XXXX hours on the telephone with Equifax. I have had a number of problems with this credit reporting agency. I feel that they are using tactics to intentionally cause my score to be low. The item that is in dispute is the XXXX XXXX / XXXX XXXX for {$4200.00}.
XXXX XXXX, 2017 I contacted Bank of America regarding a damaged credit debit visa card ending in XXXX due to a careless mail carrier bending the card. I spoke with the agent approx XXXX and requested they send me another card with the same card number that agent assured me there would be no changes and my new card would be mailed and I could continue using my old card. On XXXX/XXXX/17 I tried to pay a bill with my old card and I received an error message that said payment unsuccessful I immediately contacted BOA approx XXXX and was informed that the agent instead reported my card lost/stolen locked it and issued an entirely new card without my notice. I am livid. I escalated the call to a supervisor to confirm my conversation with the agent XXXX who stated he would notate the account that if I incur any fees the bank will be held liable the supervisor confirmed notation and then promised she 'd expedite my new card and I 'd receive it Friday morning. On XXXX/XXXX/17 the Card was NOT delivered. I called BOA for a third time approx XXXX and this agent informed me that the supervisor indeed expedited the card but the request had not gone in until XXXX Thursday night. I was too upset to continue the call I hung up. The card was not RECEIVED TILL SATURDAY AND I WAS UNABLE TO ACTIVATE IT BECUASE IT CONTINUED TO COME BACK READ AS AN UNRECOGNIZED NUMBER! I tried to use my card ending in XXXX for groceries and was utterly embarrassed BECUASE it came back declined!! SO, I HAVE XXXX BANK CARDS THAT ARE INVALID. NONE IN WHICH I COULD USE. So, I 've been with limited funds since Wednesday XXXX/XXXX/17. I demand an apology and some type of compensation for the stress, inconvenience, embarrassment, and pure neglect on BOA behalf.
I have been disputing a contention by Chase that a credit card account it has claimed I owned jointly should rightly include me as a party responsible for its debt. Chase researched its records and provided a copy of the original application used to assign account responsibility. Neither the handwriting nor signature on that document is mine. Further, though bearing only a single signature, Chase nevertheless contends that the account was jointly held with another person with no supporting documentation. 

In XXXX 2016, I advised Chase of its understandable error, providing the company with copies of the same documents they sent to to me from its own records and additional documents in my possession with comparator handwriting that would demonstrate the mistake they made. In this regard, it was my belief that even an untrained eye would be capable of differentiation between the two samples. 

In my letter I asked, again, that Chase remove my name from responsibility for the debt, notify credit reporting agencies of this action, and to amend a false report to the IRS resulting in a XXXX form to me. 

Chase has yet to offer a response of any manner. While the sum involved is insignificant to the bank, the loss since " written off '' and perhaps otherwise irrelevant to it, continuing existence of incorrect records of the misplaced debt continue to have real ramifications to me. Not only was my tax burden greatly increased last year, but a marginal creditworthiness continues to follow me. This issue is one which I would like to resolve in as timely a manner as possible.
I would like to know why  XXXX   XXXX  is still employed at wells fargo. It was proven she lied about me harassing her in the   XXXX   XXXX   location  XXXX   XXXX . And she keeps on having her family members harass my son and spread false accusations about him and me.  XXXX   XXXX  has never been able to stop harassing me and my son, she keeps coming around us even though she do n't live across  the street f rom us anymore. If me and my son harass her so much why is she coming around me. Why does  XXXX   XXXX  keep getting protected and it was bias why wells fargo closed my checking account, because  XXXX   XXXX  influenced them to do so. And how   XXXX   XXXX   sent me a threatening letter tell me I harassed their district  manager. Her  husband  XXXX   XXXX  nearly hit me while I was cutting my grass he when he was backing up in  his drive  way.  XXXX   XXXX  has slandered my name all through wells fargo looked at my personal information and telling it to her family. She wants to keep coming around me and falsely accusing me of harassing her.
I have XXXX accounts with Bank Of America and they have altered the account numbers so that they can continue to report it to the credit bureaus despite the accounts being written off and over ten years old
Experian is reporting inaccurate of information and refusing to change it. I called them 7 times to get them to remove it and they refuse to do so. In fact I spoke with a rep names XXXX and he was rude and refused to let me speak with a supervisor. Also they get there info from consumer agencies not the actual court. The are reporting 4 bankruptcies and I don't have any. The other reporting agencies have removed them. Experian is the only reporting agency refusing to removed them. Please help me get this done the are violating my rights.XXXX also told me the CFPB cant make them do anything.
My mortgage company failed to provide and/or prevent my mortgage from going into foreclosure. The mortgage company is Mr.Cooper also goes by the name of Nationstar mortgage. Mr.Cooper never sent a notice letter of the default and/or action that needed to be taken by me. If they did attempt to call they were unable due to the change in my house number. However, I made two payment in the month of XXXX. On XX/XX/XXXX ( {$1200.00} ) and XX/XX/XXXX ( {$1200.00} ), Both mortgage payments were rejected. When I called to inquire as to why, a Mr. Cooper agent stated that they did not have a reason and that he did see on the account as to why. He then went on to say that I was only two months behind but to just send in the payment again. The agent told me all the wrong information.. It wasn't until XX/XX/XXXX still receiving no notice letters of default. It was this call that I was told that the deadline to take any action on the account which was XX/XX/XXXX the day that I called in and received the wrong information. I was then told through my telephone call that my home was put into foreclosure on XX/XX/XXXX. Since then I have called every day for action and assistance on my mortgage but for a month in a half they stated that they could not find the recording, they rejected calls/ gave me the run around, never returned my phone calls even though they said they would call me back personally. I was given fake phone numbers by managers. I was told that managers were in meetings and could not come to the phone. I was put on 20-30 minutes holds after reaching agents. I left an email to one agent that I had called but received a call back. Managers stated that they would listen to the recording of error and call me back within 24 to 48 hrs but never did. One agent XXXX set up a payment plan for repayment of two within one month. I was able to make a payment on XX/XX/XXXX for {$2400.00}. I said that I would pay the another payment of XXXX by the end of XXXX early XXXX. However, Mr.Cooper did not honor the action but dismissed the repayment plan. When I requested a letter in writing to state that they could not find the recording of the agent giving me the wrong information they said no. I tried to reason with them and state that the four months default of {$8000.00} would be paid off by the end of XXXX, to just give me forbearance of time however, due to the rejected payments and phone call they push me into 6 months default of {$11000.00}, making even more difficult for me to make all payments. They want me to add an additional {$20000.00} of debt on to the loan with modification. When I requested reinstatement they also refused to give that information within 3 days causing another deadline which increase the reinstatement amount. They are refusing to allow or consider any action requested because they are unwilling. They told to call XXXX XXXX about the loan. They also stated that it wasn't their action but the FHA people telling them what to do. They do not want me to keep my home but want to continue to drive me into further debt.
Per OCGA XXXX it has been over 6 years from the date of the last payment and the statue of limitations has expired. Cease and Desist from all collection attempts and cancel the scheduled illegal foreclosure sale of XX/XX/2019 In accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I respectfully request that you provide me with the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( Georgia ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : because I have disputed this debt in writing within 30 days of receipt of your notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense ; you can not add interest or fees except those allowed by the original contract or state law. 
you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA ; Also be advised that I am keeping very accurate records of all correspondence to ensure my rights are protected. 
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. 
Per FDCPA law I also request the name of the original creditor and copies of all assignments pertaining to my mortgage. Per FDCPA law the foreclosure proceedings must be suspended until a full response is made in writing and validation of debt and in addition the name of the original creditor in writing, THE FORECLOSURE MUST BE SET ASIDE UNTIL PROPER RESPONSE CAN BE MADE.
I applied for a car loan through my employer XXXX on XXXX/XXXX/2015, I was declined because of my experian credit score which showed XXXX. Through Credit Trackers and my XXXX XXXX card I am able to constantly view all three repositories which show XXXX at XXXX XXXX XXXX & Experian XXXX therefore, my average score given was XXXX. There has been no alert to me which shows any adverse action which would lower my score and XXXX could not explain, I contacted Experian who requested that I pay a fee in order to view my credit.
I have disputed the following fraudulent inquiries on my report a few times before in accordance with FCRA, all to no prevail. It is written within FCRA law that if such companies can not present physical documentation then the disputed items shall be forever removed. I have disputed the following and no one presented any physical verification but yet the 3 major credit bureaus still reported as being true. But still no physical evidence inwhich is in direct opposition of the law stated in FCRA. The following disputed inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX, Transunion ( XX/XX/XXXX ), XXXX  XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX. I have been dealing with the aftermath of my identity being stolen for the last four years. A company named American Coradius International LLC has sent me a letter claiming they own a debt in my name for a XXXX account I have not heard of. I did not even know there was a XXXX accoount in my name! This account, or perhaps this company, is fraudulent. I demand that American Coradius International LLC immediately remove this account from my name. Thank you for your assistance, XXXX XXXX.
I was never informed that making consecutive payments under the IBR plan can lead to forgiveness after 10 years. If that was the case then I would have certainly signed up for the automated payments and continued applying for IBR plans every year as needed. I used to get phone calls reminding of payments being due and that has since stopped so I'm unsure of where I'm at in the process, I have usually been doing 2-3 payments at  once instead of monthly - again because I did not have this information. I am only told they don't report to the credit bureau 's monthly for the way my payments have been. So it's not affecting my credit score which is nice but it would be fantastic if my loans were forgiven instead. They are quite substantial and don't seem to be going down with all my payments thus far.