WillisBack/dataset-financial-user-claim huggingface dataset:
I am an attorney writing on behalf of my client, who has a reverse mortgage. He had been receiving regular monthly deposits to his bank account. His homeowner 's insurance lapsed by accident, the company placed forced insurance, he got his private insurance re- instated, and the company placed him on " repayment status '' for the period the forced insurance was in effect. So far, no complaint. 
The company claims this occurred a second time. It did not, but they have been withholding payments to him since XXXX, 2015, and he is now having trouble purchasing necessities such as food and medicine. 
I wrote to the company a month ago ( a copy of the letter will be attached to this complaint ), but the company has not responded.
LISTED ACCOUNTS ARE REPORTING IN ERROR TO THE WRONG CREDIT FILE. PLEASE REMOVE LISTED ACCOUNTS.
Signed up for Citigold XXXX bonus back last year. The fine print of the promotion stated that XXXX points would be credited to my account if I met the qualifications. I opened the account, completed the requirements ( {$1000.00} debit spend, XXXX bill pays, etc. ) and confirmed on the phone with an agent that my account would soon be credited. 

Several months later I still had not received anything from Citi, despite having completed the promotional requirements and confirming over the phone with the agent that I had done so. Another phone call to Citi resulted in an agent once again telling me that I had completed the requirements and the points should post. 

After another month of no points, I was getting very frustrated. The bank account was $ XXXX/month, more than I would normally spend on a bank account, but the promotion and the benefits made it worth it. After calling in for a 3rd time to confirm, I was told that there were no past communications or points that were coming my way. Extremely frustrating since representatives from the same number told me otherwise. 

I recently closed the account, which actually resulted in the institution downgrading me to the basic account, and charging me $ XXXX/mo + {$34.00} overdraft fee since I emptied the account when calling in to initially close it. I am incredibly frustrated and have spent so much time and effort speaking with representatives and moving money around.
I have a remark that effected my credit very badly, I have had a someone use my social and other id to co sign for their own use with out my consent, and I really want that off my report I'm only XXXX years old and I'm new to the credit world I really don't want this to affect me and my future. I have another account that I opened which my payment history is 100 %.
Data breach by Equifax- their records indicate my information was stolen. Their website is attempting to enroll people that were effected in a XXXX account that waives their right to sue Equifax for their security lapses. I, along with millions of others, are now open to potential identity theft.
First, I 'm told by the bank contact provided that I will have an answer by XXXX XXXX. -- to the simple question I asked in XXXX. 

Then, I receive a notice that it will be XXXX XXXX. 

Today, I received a notice today that the bank will contact me sometime within 60 days. 

It took the bank TWO months to send a notice that they will respond sometime in the next TWO Months? What then? Another notice that the bank will take another 6 months to send another notice? 

This is not reasonable. The bank has the information -- they had it when the provided the work-out plan -- in XXXX XXXX and they had it when they sent the confirming paperwork in XXXX of XXXX and they had it when they sent the final paperwork in XXXX of XXXX. The bank is refusing to disclose essential financial information to me - the consumer. 

What purpose does it serve to not provide me with the proper, lawful disclosures of financial information? I did NOT ask to renegotiate or change anything -- I simply requested the specific numbers for principal, interest, insurance, and taxes.
I received a voice message from the number XXXX. It stated that they were trying to reach XXXX XXXX. I am not, nor do I know anyone by this name. The message stated that it was investigator XXXX calling. She said she '' d been asked to contact XXXX XXXX directly to serve a summons and that XXXX should either contact them or fax a stand down order or she would be out with the XXXX XXXX XXXX 's office to serve a summons. She ended the call with, " Thank you and good luck. '' I was directed to call XXXX with case # XXXX. I did call that number and ask to have my phone number removed from their database as I am not XXXX XXXX. They simultaneously insisted it was their process server calling and not them and that they had removed my number. Then XXXX hung up on me. When I attempted to call back to ask to speak to her supervisor, she refused to put me through to anyone else saying she was the highest ranking person there. She called me rude and nasty even though I had not been derogatory towards her, then made some type of comment about feeling sorry for my husband. I do believe that the threatening nature of this call is a violation of fair collection practice. It is also a simple process to verify that they are calling the correct party, and in failing to do so and leaving threatening messages for unintended parties with small children in the home they demonstrated highly irresponsible behavior. I have saved the message and will gladly replay it for any investigators interested in pursuing this further.
On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX  to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for EXPERIAN to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

According to the companys website upon receipt of a written request they will usually remove a fraud alert within 72 hours. 
Its been more than 72 hours since the request was made and the Fraud alert remains. 

This erroneous fraud alert is being publish without my authorization written request, and has caused me to be denied credit. It is of an urgent nature that I am requesting your assistance in have this unauthorized fraud alert removed. Additional I would like the credit bureau to notify each company that has conduct a hard pull of my credit within the last 30 days that the alert has been removed.
I was called by PHH mortgage Corporation to refinance an existing loan that is in good standing. I sent them all the documents they asked for plus some showing my income and financial status, etc. Credit score is excellent. They initially approved the underwriting. I am XXXX and XXXX. I have income from two brokerage accounts. One account distributes IRA money and the second is using up some already taxed money before the IRA will be distributing funds to me. All this was disclosed upfront and they had brokerage account statements and bank account statements, etc. They are now declining the loan saying that I " have to use my IRA money ''. Today they declined the loan leaving me on the hook for processing fees when they knew from the start that they were not going to fund me if this is their positon because they had all the information from day one. Here I am trying to responsibly use my retirement money and they are trying to tell me how and when to use my IRA. This is deceptive practices, age discrimination, and they are not operating in good faith. The sole reason they are giving is that I need to use my IRA money for the monthly distributions. I need your assistance.
They called me on my wife 's phone, I told them to send me something in the mail, then somehow they obtained my work number and call me there without permission!!
I made an online payment to Citi Bank on the Citi Bank web site. The money was withdrawn from my bank account. Now Citi Bank claims to not have received the payment and has no record of the payment. I called Citi Bank to dispute the payment and I am getting the run around. Citi Bank opened an investigation and than immediately closed the investigation without telling me. I have reopened an investigation with Citi Bank to resolve this issue. I am also contacting my bank from which the payment to Citi Bank was debited ( online my bank shows the Citi Bank payment as having been made ). But Citi Bank is calling up to 4-6 times a day. I have tried to get Citi Bank to note the account that there is a dispute but after speaking to XXXX people ( acct. representative, an acct. supervisor, and a billing representative ) Citi Bank states that they can not guarantee that I will not receive continued collection calls on this disputed payment. I spent over an hour on the phone with these XXXX getting conflicting information from each new person as to how this dispute can be resolved in an expiendient manner.
I signed as co-signer for an initial application for credit for a private student loan on behalf of my father. After the initial credit application, I never saw disclosure of the terms of the loan, nor signed another document again. I was told by a XXXX representative that there was a check made out to me AND my father, but I never signed that either. When notifying XXXX student loan services, they told me I can submit a fraud package, but never gave me the package or proof that I signed for any loans. So the fraud is on XXXX student loans part. XXXX currently is n't reporting this loan on my credit report, it is a company called XXXX ( XXXX XXXX XXXX ). This company charged off the student loans, yet every time I dispute the charge saying I do n't own it, all three credit bureaus come back and say I do own it ( Transunion, XXXX, XXXX ). I am not sure how the credit bureaus verify this when XXXX is unable to provide any information on these loans. So not only can I file a fraud charge on this account, but both XXXX and XXXX refuse to mail me any evidence that these loans belong to me. XXXX only sent a loan request I signed on XX/XX/2008 while showing a document of Disclosure Statement sent on XX/XX/2008 with no signatures. And they do not have the cancelled check showing my signature ( or lack thereof ). I am only trying to remove myself as a co-signer because I never agreed to their terms nor signed the check IN ACCORDANCE WITH CODE OF FEDERAL REGULATIONS, TITLE 34 EDUCATION, SECTION 685.215 - Discharge for false certification of student eligibility or unauthorized payment.
I am in  XXXX  as of   XXXX   XXXX  . As such, I should be afforded all  XXXXXXXXXX  protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all three bureaus ) shows a   XXXX   XXXX   XXXX  E account. I never had a cavalry account. there is a memo that states it  may  be a capital  one  account which was included in my bankruptcy.  XXXX  is reporting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has crushed my  XXXX   XXXX  and needs to removed ASAP. This is double hitting my  XXXX   XXXX  : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL.  XXXX  reports : Collection as of   XXXX   XXXX   to   XXXX   XXXX     XXXX   XXXX   to   XXXX   XXXX     and Filed Chapter  XXXX    XXXX   on   XXXX   XXXX   XXXX  . This information is inaccurate. My wife and I filed for bankruptcy protection on  XXXX . Our Chapter  XXXX  was converted to a Chapter  XXXX  and is still open.
I have had numerous issues with Navient and my forbearances in the past. Most recently, I called to defer my loans, received a confirmation, and then a month after doing so, saw that my forbearance payment was returned to my bank account. Called Navient, had to apply for the forbearance again, and was told I had till  XXXX  before it would end. Today I received a second delinquency notice, although it should be in forbearance currently. I spoke with someone in  XXXX  and again in  XXXX  about putting my loans into forbearance and it does not appear to have taken affect. I also had this happen to me a year or so before where the {$100.00} I had to pay on my loans to put them into forbearance was applied as a payment to my account instead of the forbearance fee. I noticed it the same day, notified them, and they assured me that it was applied correctly. I had to call numerous times upon receiving delinquency notices, and I had attempted to escalate the situation and speak with a supervisor but during the entirety of what was supposed to be a forbearance period, my loan was shown as delinquent and never adjusted. They told me it would not affect my credit rating. I am struggling to pay these loans back and it makes it impossible when the lender ca n't even assist as it should be. I have tried and tried to be diligent, responsible, and address any issues I 've seen in regards to my loans, but  Navient  has been incredibly difficult to work with. I do not trust them, nor do I know if speaking with a representative will ensure a resolution or solution for my issues and concerns. I have $  XXXX  worth of loans with Navient, and am struggling. Everyday I want to cry because as a college graduate and as a professional, I ca n't afford to pay these.
On XX/XX/2018, I noticed that I had a credit balance of {$.00} on my Bank of America Visa account while using the BOA mobile app on my XXXX. This credit card account as well as another BOA credit card are linked to my checking and savings at BOA. Using the app, I transferred the {$.00} credit balance to my checking account. In the past, I have done this type of transaction in the reverse, i.e. I would pay a credit card balance in full by transferring monies from my checking account to the cc account using this mobile app. Yet, on this day, I was hit with a {$10.00} cash advance fee for transferring the {$.00}. With interest added, it has now reached {$14.00} and despite my dispute letter to BOA asking them NOT to report this to the consumer reporting agencies, BOA has reported this negative information resulting in a lowering of my credit score. If I had no known that I would be charged {$10.00} to obtain {$.00}, I would not have done it. No reasonable person would pay {$10.00} to get {$.00} back! OnXX/XX/2018, I wrote BOA a letter disputing the charge and interest, but they have not issued any letter or email resolving the dispute. Since BOA is the creator of the mobile banking app used by millions of customers, the failure of the app to warn me that I would incur a {$10.00} fee should be held against them.
I took training and bought equipment in XX/XX/XXXX at XXXX XXXX solutions. I received a loan from XXXX XXXX for {$7200.00}. The interest started out at XXXX per cent. After being late the interest ballooned to 20.78 percent. I attempted to lower payments but the servicer stated that the idea was that I would pay the loan for life. In XX/XX/XXXX I became totally XXXX and filed a chapter XXXX Bankruptcy based on poverty and total XXXX. National Enterprise Systems, a debt collector, state the description of the loan as XXXX XXXX XXXX. They state that I owe XXXX. I never borrowed money for this discription. School Code is XXXX. XXXX is not a school. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX. I bought equipment and took training with the funds. It was my understanding that this was a personal loan. 
After requesting documents, National Enterprize Systems, sent copies of my orginal application with XXXX. Within the packet a memo appears that the loan was changed from the above amount to {$10000.00}. There is missing information on the loan application as noted on the forms. My credit score was XXXX. Please advise.
I was applying for a loan from mobiloans.com and they said my social security number was not in there system but when i go on their site they say it is. this was my first time ever applying with this company.
JLU Asset Management Group called my cell phone and left a message on XXXX/XXXX/15 threatening to take action against me if the matter was not resolved by EOB. I have not ever heard from this business on any matter. Did not disclose what matter was. When I called the number on the message I was told I had to call a XXXX that I owed {$90.00}, but would not tell me what the debt was for. I do not know what this is for and they would not give me any information as to what the matter was that needed to be resolved. I was at work when the message was left on my cell phone ( without my permission ).
The following student loans were reported on my credit report XXXX XXXX/XXXX XXXX, XXXX XXXX/XXXX XXXX Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with XXXX for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Received a loan from Mobiloans. They were deceitful in their monthly payment schedule. They have been withdrawing more money from my checking account than I agreed to. Yet when I look at the payment history it does n't reflect the entire payment. Their practices are extremely deceitful and the " language '' is written in a way that seems legitimate, understandable and upfront. However, they 've never provided a truth in lending disclosure as promised when I applied and I do not have one in " my account information. '' What they offered when I applied is NOT what is being followed. I 've contacted them and they are NOT willing to assist. I have copies of my payments and the amount they 've deducted from my bank account. Willing to submit them as necessary. For example, they deducted {$220.00} from my checking acct on XX/XX/2016. However, they only posted a payment of {$110.00}. Where 's the additional money applied they deducted from my bank account.
CFPB : I am writing to dispute erroneous credit reporting of my student loan by Wells Fargo Bank in my XXXX, XXXX, and XXXX credit file. Wells Fargo is reporting that my student loan, which I have never been delinquent on, is in Chapter XXXX Bankruptcy " Wage Earner ''. This item Chapter XXXX Bankruptcy is inaccurate because I never filed Chapter XXXX Bankruptcy. I have requested that the information reported to the credit bureau be corrected on numerous occasions. Wells Fargo has responded that it was in fact an error, and that it would be resolved ( attached is a letter from Wells Fargo ). However, they only removed the erroneous information for a short period of time, and then it was re-reported erroneously months later. I am requesting that the item be corrected immediately and for GOOD. I am extremely frustrated and exhausted of having to deal with this situation over and over again. This reporting error has caused my borrowing cost to increase and has lead to instances where I have been denied credit. I am in the middle of a refinance on my home loan, and this reporting error is leading to substantial financial loss. This is how I found out that this loan is negatively reporting on my credit bureau. The lender advised that my credit report, specifically this loan, was reporting in Chapter XXXX bankruptcy. I need this corrected AS SOON AS POSSIBLE as I am expected to close on my mortgage XX/XX/XXXX. Wells Fargo has repeatedly violated the FCRA ( Fair Credit Reporting Act ), and as aforementioned, is causing me financial loss. I have filed numerous disputes in regards to this error including a letter mailed to the address below on XXXX/XXXX/2013 and I am still dealing with this issue : ( see attached ) WELLS FARGO. 
XXXX Credit Bureau Dispute Resolution XXXX XXXX XXXX XXXX XXXX, IA XXXX I am hopeful that we can get it corrected this time! 

Thank you.
When I recently viewed my Equifax credit report, I noticed a hard pull of my credit by XXXX XXXX on XXXX XXXX, 2016. This negatively impacted my credit score and I did not authorize this credit pull. This may have been the result of someone applying for a XXXX card with my personal information. I want this removed from my credit history. This is the contact info for XXXX XXXX indicated on my report : XXXX XXXX XXXX XXXX XXXX, SD XXXX
I have been the victim of identity theft the following accounts were not opened by me : 1 ) XXXX Acct # XXXX
Currently I am being harassed through phone calls, emails, written mails, etc by XXXX for repayment of federal student loan. As directed I have been making payments directly to US Dept of Education in XXXX GA for the past few years and I am current. I am pregnant and this harassment is a huge inconvenience and very unhealthy
On  XXXX / XXXX /   2017  I received a phone call at my job fro m CRS and Associates. T he man on the line advised me that he had 'my file ' in his office. He then went on to recite my social security number. My calls at work are recorded at all times, so this was extremely unacceptable. I have never heard of this company, nor have I given any consent to contact me at work. This company is extremely unprofessional.
I had to open a case with the XXXX Department of Consumer Affairs. When I bought my vehicle, the purchase order said one thing, but when the promissory note arrived from the bank, there was an unnecessary extended warranty included, plus an unnecessary paint treatment. Both of those things added up to approximately {$7000.00} with interest. I asked the dealer to redo the loan, but they didnt. I have an appointment with the Department of Consumer Affairs on XXXX XXXX. Nonetheless, FirstBank has been making constant threats against me. They call me up to four times a day. Theyve visited me four times, threatening to repossess the vehicle : a XXXX Ford F150. I told them that I have an appointment on XXXX XXXX, and that if they want the vehicle before the Department of Consumer Affairs decision is made, they would have to get a court order.
A company called XXXX XXXX has been charging my credit card unauthorized {$19.00} per month for a service that I did not sign up for. This has been going on for 9 months ; the amounts were small, and I do n't often check my account online. The bank would only go back 90 days, so only XXXX of the XXXX charges will be reversed. All of this activity is fraud, and should be reversed.