WillisBack/dataset-financial-user-claim huggingface dataset:
My mother had home equity line of credit with Key Bank of XXXX Maine as of XXXX. Before she XXXX of XXXX on XXXX XXXX, XXXX she made sure the equity loan was paid off. Last payment of {$4.00} sent on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX I signed a sales agreement for the house. On XXXX/XXXX/XXXX the title company for the buyer of our home found that this home equity loan had never been discharged.  Our closing date was XXXX XXXX, XXXX. My realtor went to the local Key Bank  branch where the loan originated on that day and explained the situation. I had e-mailed him her XXXX from XXXX along with her XXXX certificate, a copy of her Will and a copy of the checkbook page showing when it was paid. The only thing the teller said she needed was a copy of the house being sold, which my realtor left with her. On XXXX XXXX I went to the same branch office and they said they could n't help me, that I needed to call the headquarters. I called headquarters and they said they could n't talk to me if I was n't on the account. I told them I just wanted the lien discharged so I could sell my house. I was given a reference number and a fax number to Documentation Management.. I sent them a letter explaining the situation, along with 13 other pages. On XXXX XXXX I called and spoke to a different person who told me the reference number did n't exist and I needed to fax the documents to a different number. I did so and was given a new reference number. I again told them I just wanted the lien discharged so I could sell the house. At this point the closing was moved up to XXXX XXXX but had to be cancelled. I explained that it was urgent as the house was closing on XXXX XXXX. On XXXX XXXX I called again and spoke with XXXX and at this point I was very frustrated. She could not find anything under either reference number and said she could not talk to me about the situation until it was proven I was the sole heir. I again explained that I just needed it discharged, that someone had dropped the ball back in XXXX. She advised me to go back to my branch office and have them fax the documents and to get confirmation. I did so, taking time off from work. XXXX said she would call me on the XXXX and I said that would be too late. She said she would call just to make sure everything had been done. She did call me on the XXXX and said she still could n't talk to me about the loan. On XXXX XXXX I had to make my first mortgage payment on the new house I had purchased of {$530.00} which included interest of {$380.00}. If my closing had happened on time I never would have had to make a payment. On XXXX XXXX I spoke to a former Key Bank employee who told me they actually have 60 days to discharge the loan or they get fined. I looked on the registry of deeds and found that it had finally been discharged on XXXX XXXX, XXXX but when I spoke to XXXX on the XXXX she told me nothing had been done. This whole experience has been a nightmare and I hope Key Bank is held accountable for an error that was made over 3 years ago. I was very fortunate the buyers held in there, as this could have ruined the sale. As of this date, XXXX XXXX, I still have not closed on this house
After being a member of PayPal for 6+ years at least, my account has been permanently limited for no apparent reason at all. I 've called and spoken with XXXX different employees of PayPal and I 'm only told that they 've made an executive decision to close my account because the rick is greater than the reward. I 've never done any illegal or fraudulent transactions and have had XXXX or XXXX disputes per year. They are holding my funds for 6 months and claim they are doing so to cover any charge-backs ( which I 've never had not once ).
The bank keeps dragging there feet with documents. Every XXXX weeks they seem to have another document that expires. So it starts the whole documentation process over and it has become very uncomfortable with an auction date of XXXX XXXX on my home. I really need help, i had someone at XXXX contacted by the CFPB and that helped but now that is not really helping any more. I do not know what to do about this any longer. My consumer advocate at XXXX contacted me on XXXX/XXXX/XXXX and notified me i was in final review and they no longer needed papers. The same day they are now claiming underwriting issued updates needed on XXXX documents, i think that is ridiculous. This is the XXXX time they did this to me, the XXXX time was in late XXXX XXXX. Please help.
1. Citibank is attempting to collect on a debt, under my name, that they have yet to validate. I have called numerous times, yet they are unable to provide me answers. 
I want to see validation. I am reporting the account as a fraud account that I personally never applied for, also I have police affidavit and other id theft reports. 
2. Why does Citibank deny me 0 % liability for unauthorized transactions and fail to report my disputed transactions to CRA 's. One example, XX/XX/2017, {$560.00} to XXXX XXXX, unauthorized. 
I called and reported the charge in XX/XX/2017. Citibank issued me a new card and number, but continues to deny me of my rights to dispute the charge. 
3. I found out, independently that one XXXX XXXX applied for a Citibank Checking Account using my social security number. 
Why did Citibank not notify me, despite my name and XXXX XXXX showing up after entering my XXXX in Citibank 's computer system? Why was I never notified, until I addressed it to Citibank President Office? Years after the incident?
I was banking with Wells Fargo from XX/XX/XXXX to XX/XX/XXXX. One day i went to my account to withdraw money to find out my money was gone.. I was told that I deposited at check for XXXX and i withdraw the money.. i repeatedly told them i have n't took anything or deposit a check. They told me they will investigate the situation, and to call back in 5 business days. I called and i was told they could not talk to me about my account, something will come in the mail.. nothing never came, i have written all types of letter and still nothing. I went to open another account and they had a nerve to report me to XXXX. HOW?? THEY TOOK MY MONEY AND THAN LIED.. please help.
I have been a member of RushCard Services since XX/XX/XXXX, and have experienced very little problems in regards to their service overall. 

However, the recent conversion has me concerned with being able to collect upon my recent losses. I have been expecting a direct deposit since XXXX, and my attempts to contact any competent RushCard customer service representative have been fruitless. 

I understand they have had an outage, but provide no reliable information as to how they insure a customer 's account will be restored. 

I want to sever ties with this company, as the transition to the new banking service they acquired has left me less than confident in continued business with the service RushCard provides, but I also do not wish to lose out on money that is owed to me. 

Please assist me.
I contacted Transunion to inform them that I had been a victim of their inquiry issue. The customer service representative would not help to take care of the negative inquiries reporting to my credit report.
I asked for the following inquiries to be removed :  XXXX - XX/XX/XXXX  XXXX  XX/XX/XXXX    XXXX   XXXX  - XX/XX/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  - XX/XX/XXXX  XXXX - XX/XX/XXXX
I had taken out a loan with them and had paid back what I borrowed plus some. I ended up defaulting due to family trouble and my income was not enough to cover all bills. They started calling me relentlessly. I had told them to stop. They have n't. This has gone on since  XXXX  of this y ear (   2017 ). They call multiple times a day ( up to 12 times ) from various phone numbers. They mask their number to local area codes and phone numbers that belong to regular people, as well as using phone   numbers and area codes that belong to areas and people all throughout the country.  <P/> Lately they 've taken to harassing my hus band ( a  prior reference ) and somehow they got the number for a good friend of mine and have been calling her too. My husband has also asked them to stop calling him. On average I rec eive 7 pho ne calls a day.  <P/> Most recently a "  XXXX   XXXX  '' has been calling multiple times a day from different phone numbers. He uses legal terms saying there is a " case '' against me and he wants to work with me to help " get it dismissed. '' His number is  XXXX , ext.  XXXX  I have attached a log of the many phone numbers I have received harassment calls from.
In XXXX my mortgage under XXXX and suddenly change to XXXX till XXXX, due to resessions and difficulty of business income, i got hard time to pay my mortgage, I applied modification and approved with the amount of {$2800.00}. I was in 3 months trial payments, on the 3rd months XXXX refused my payments coz my mortgage is no longer with them and was endoresed to Ocwen, I called Ocwen for my 3rd payments and was n't able to accept payment due to non documents in their system. I kept calling and waited for several months and I finally received statement back to my original payment. I could n't make the payment till I got Foreclosure via XXXX Bank. 
XXXX XXXX XXXX promised to save my house which I paid {$2500.00} as their service fee by XXXX XXXX XXXX which is later find out Scam. 
I continuedly saving my house to apply Modification directly to Ocwen. While modification is on going XXXX Bank keep fighting to foreclose my house.XXXX Bank filled a motion to sell my house without open house and the court granted while my modification is on going. I called Ocwen what is going on then ask me to submit some documents and scheduled me to a phone call which they failed to call me. I received a motion for selling my property without open house. XXXX scheduled to sell my property without open house in XXXX XXXX, XXXX. I received a denied letter from Ocwen after the selling date. I filed bankruptcy chapter XXXX to save my house and paid {$1800.00} XXXX = {$3600.00}. A week after my relation officer called me if I want to save house and I said of course. Again ask me re-do some documents which I did. Ocwen approved my modification too high as much as my original loan payments after I filed Bunkruptcy chapter XXXX. I did not accept their offer because too high and ca n't afford due to difficulties and changes of income. 
I want to know also why XXXX Bank is foreclosing or selling my property while modification was on going? 
Please I need help what is going on and need help to lower my mortgage.
I took my home mortgage through XXXX XXXX and eventually the home loan was sold to Wells Fargo. During my interaction with XXXX XXXX, I was told that my PMI will be removed if my home value is equal to or below 78 %. Currently my LTV is less than 78 % of my City 's appraised value. 

When I spoke to Wells Fargo, I was given 4 options and the most likely option that will enable the PMI to be removed says my LTV has to be 75 % which is misleading and unfair and not in accordance with terms I was told during the loan process.
LVNV Funding had me summoned XX/XX/XXXX, and after XXXX court dates and no validation of the debt during all XXXX dates the attorney representing them dismissed the case on XXXX XXXX, XXXX in court and, in XXXX county TN. They were suing me for XXXX. I recently looked at my credit report and they are still reporting, and now the balance has risen to XXXX. They could never provide validation of the debt, and it was in a name which I have n't used since XX/XX/XXXX, due to a divorce. I want this removed from my report immediately. I can provide documentation, but do not have it at the moment.
I paid a debt to XXXX XXXX XXXX in XXXX of 2016. I disputed it as paid with Experian in XXXX of 2016. They did not remove the balance from my file. I have contacted XXXX several times and they claim they will have the item removed. It is still there almost 12 months later.
I RECEIVED THESE XXXX STATEMENTS, I DO N'T OWE ANY OF THESE, NEVER BOUGHT ANY XXXX PRODUCTS, I CONTACTED THEM AND THEY DO N'T FIND ANY OF THOSE ACCAUNTS, THIS COULD BE AN SCAM
COLLECTOR FAILED TO VALIDATE, CEASE COMMUNICATIONS AND IGNORED CEASE AND DESIST ORDERS AND WENT ON MY CREDIT REPORTS ANYWAY. 
HELVEY HAS VIOLATED THE DOOD-FRANK ACT AND NOW WILL BE SUED IN CLASS ACTION EFFORTS.
On XXXX/XXXX/2016 I received a refund check or check for {$260.00} from Bank of America Home Loans located at XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. On XXXX/XXXX/2016 at approximately XXXX hours, I went to cash the check at Bank of America in XXXX XXXX located at the XXXX branch area. The bank teller agent told me that he was NOT able to cash in the check for me due to insufficient funds. I asked the bank teller agent why would Bank of America sent me a check with insufficient funds? The agent told me to contact Bank of America. I was very upset because I waited almost 25 minutes in a very long line and short staffing from Bank of America. The bank only had XXXX bank teller agents at the time serving XXXX-XXXX customers. The agent refused to assist me further by saying he does NOT know anything and that he wanted me to call or contact Bank of America Home Loans. I want to know why Bank of America sent me a " blank '' check or a check with insufficient funds? The check number is XXXX. Treasury id : XXXX. Another address from Bank of America is XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
The account number listed on my credit report is  XXXX . I was unaware of this debt before it appeared on my credit report. Once I saw the debt I promptly paid the debt. As this is medical debt, I should have been notified and been given time to pay the debt. Per the FCRA I have the right to dispute this debt directly with the company that has reported the debt. I was unable to get anywhere during phone conversations and was told I must dispute this debt with th e National Credit Reporting Agencies.   While I can dispute with the NCRAs, I should be able to dispute the debt directly with the company reporting the debt. Please remove this collections account from my credit report. There were several things wrong with how this account was handled and how little responsibility the company the debt was originally owed to took. Even if the debt is sent to a different company the original lender is still responsible for accurate reporting.
Capital One credit card complaint. Received card during 2014 and a late fee would be assessed at any point where monthly payment was made before due date. Payment had to be made few days before due date or on the exact due date or else it would be considered late. In addition, a one time charge was made to a company called XXXX for {$19.00}. In actuality this charge appeared on charge card statement every month after that. Finally closed account because of the company not being able to handle this problem adequately and charging me for deceptive charges. Although I changed account number and got a replacement card, these {$19.00} charges kept appearing on the new cards. I had been instructed by the credit card company to get new acct number and replacement cards and problem was not resolved. The credit card response as to how these charges were continuing to appear on new credit card acct number and replacement cards is that it was out of their control.
To whom may concern : West lake financial services has done unfair debt collection practices with my information. I have tried to settle issues directly with them, and we have never got ten anywhere. Please help me. 


XXXX XXXX Account numbers XXXX My address XXXX XXXX XXXX XXXX, ca
Venmo approved funds to be loaded from debit cards into my husband 's account and to be transferred to my Venmo account. 

I initiated a bank transfer, but venmo wo n't release the funds from my account to be deposited into my checking account. I do n't have access to the funds and no way to contact Venmo other than email. 

Address/ssn/drivers license have been submitted to venmo to verify identity, but funds are still frozen. 

I have attached a copy of frozen bank transfer email confirmation.
My husband was at our place of employment when someone called for me. The receptionist answered the call and someone asked for me. She said I was n't available and asked what this was in regards to and the man said business. My husband traced the phone number off the caller ID and it was from Kansas. Speedy Cash is from Kansas and I did have an account with them. I asked them not to contact my employer and they still did.
BAC directed us to contact the assigned customer relationship manager ( CRM ) XXXX XXXX, at XXXX, extension XXXX, in order to initiate a short sale review. 

We have called several times and left several voicemails both for XXXX and her manager. Neither XXXX nor her manager will call us back. 

****No one at BAC will follow the direction of their own Resolution Specialist, XXXX XXXX from their Regulatory Complaints department. **** -- -see attached from XXXX XXXX XXXX 

THIS IS NOT ACCEPTABLE. 

CC : XXXX XXXX, California Attorney General
Dear Sir or Madam, Copied is a letter I wrote to Chase VISA Merchant Disputes Division who claim the charges are valid. If this does not get resolved I will consider suing them and the company that fraudulently took money from me because I gave them permission to and signed these stupid contracts with them. 
The following is a recent letter I mailed to the Merchant Disputes. 
XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX Merchant Disputes XXXX, XXXX XXXX RE : XXXX ( My account ending in XXXX ) Dear Sir or Madam : I recently received a letter from you and I dispute your decision. For the following reasons. In my opinion XXXX, also known as XXXX is a scam. These people are telemarketers that are very skilled and professional at what they do. They have fraudulently charged for services, that they refer to as packages, that were not rendered. 
All but the XXXX were completed. The rest of the packages that I paid for were not. I deserve to be at least refunded for the services that were not provided to me by this company. XXXX does not cost anywhere near the amount that they charged on my credit card. They charged a total of {$14000.00} on this credit card and I got absolutely nothing for it. They charged my credit card and promised that my XXXX would be in XXXX, that I would get an interview with XXXX, that it would be XXXX and put on the XXXX XXXX and XXXX across the states. They also promised that my XXXX would be reviewed in the XXXX, sold online, and that I would get 100 % of the XXXX. Well I got no completed XXXX, nothing. I demand that I get refunded at least {$12000.00} of this money!! They can keep the rest. I was robbed. It is unjust and unfair. 

Sincerely, XXXX
Credit report is reporting data that is incorrect. XXXX XXXX is reporting an account that was not opened or used by me. 

Hard inquires needing to be removed, credit was not extended
I contacted the company on or about XX/XX/XXXX regarding a payment I submitted that returned from the bank. I attempted to set a payment arrangement on my account to maintain the positive history that we've had for the past 3-years. 

I was refused the opportunity to set an arrangement because I'm not far enough delinquent. 

I spoke with the company today, XX/XX/XXXX, regarding the same matter and received the same response. 

I have been receiving several phone calls per day regarding the past due balance and they refuse to notate my account, stop the phone calls, and honor any sort of commitment that I'm trying to make to pay the past due balance at a future date. 

This is harassment and poor service. I have been an exemplary customer for years and I'm just trying to communicate with the lender regarding the past due balance ; much more than most people try to do.
I have an account out for collections since XX/XX/XXXX with AFNI INC. based in XXXX, IL. About XX/XX/XXXX or XX/XX/XXXX. I contacted this debt collector and offered to pay the full balance of debt if they would remove it from my credit. They denied my offer of payment for removal and I understood but stated to them because I am close to statute of limitations I would not pay because I did not want it to restart the reporting cycle on my credit. Today I checked my credit and notice my score dropped almost XXXX points due to AFNI reporting activity for XX/XX/XXXX. I have not spoken to this collector in 3 or 4 months let alone made any payments or arrangements to pay. They would not have a letter or phone conversation to the effect of any arrangements made. My original balance is still the same. I am disputing the reporting of activity on this collection account which has caused my score to drop based on a conversation with this collector.
I HAD CHANGE DECREASE IN INCOME, OWEN SUGGEST I QUALIFY FOR A MODIFICATION LOWER MY PAYMENT TO AFFORD IT. IVE BEEN TRYING FOR XXXX MOTHS TO NO SUCCESS. OWEN DENIES ME WITH I KNOW I QUALIFY XXXX % OCWEN STATES IT MY " INVESTOR WHO OWNS MY LOAN WONT HELP ME???????? MAKE S NO SENSE WHY WOULD OCWEN TELL ME I CAN GET A MODIFICATION TO HELP ME WHEN THEY INSIST MY INVESTOR WONT HELP! PLEASE HELP
For the second time someone stole my identify. This time they opened up a XXXX XXXX account that when into collection for {$1200.00}. McCarthy , Burgess & Wolff , Inc. only contracted me when I discussed the charges on my credit reported and filed an investigations. They then confirmed that these where my charges and added a collection fee of {$210.00} to the bill. I was able to find the correct number and proofed to XXXX that these were not my charges! They issues me a letter stating that I was not responsible for these charges on XXXX XXXX, 2016. I am still trying to get the XXXX credit agencies to remove this information that they placed in my files. They have suppressed my credit score and caused me damage!
AMEX does not adhere to requirements of UIGEA. Their card product is available on online betting sites and they allow foreign transactions charges to go through with no validation. AMEX 's lack of controls around UIGEA allowed my spouse to run up several thousand dollars on their card in online gambling losses.