WillisBack/dataset-financial-user-claim huggingface dataset:
CITI AGREED IN SETTLEMENT THAT THEY WOULD DELETE INFO FROM XXXX IN EXCHANGE SETTLEMENT. THEY HAVE NOT KEPT THEIR END OF THE DEAL
Flew with XXXX XXXX where they offered us automatic XXXX points frequent flyer miles for signing up that day with their credit card. Now they are saying we have to spend $ XXXX before XX/XX/XXXX in order to get said miles that were promised. Very deceiptful.
XX/XX/XXXX i contacted XXXX XXXX XXXX because i noticed wrong information reported on my credit report about a auto loan of XXXX was paid in full and the company deleted the account instead of report the correct information its not right that i remain paying of the car and not having any car loan on my credit report in with it was paid off in full in XX/XX/XXXX the company changed their name to XXXX XXXX XXXX with when i started the loan the company name was XXXX XXXX XXXX XXXX i contacted the credit bureaus with the problem then i contacted the company still no help
USA Funds reported a balance increase on a closed account and the account has been closed for a long time. This account has continually been passed around from creditor to creditor and I am sure it is illegal for it to still be on my account. There was no reason to report a balance increase on a closed account. Wherever USA funds got this account from, it is too old to be reported on my credit. They need to remove it.
I have a derogatory collection item in the amount of {$470.00} that appears on my credit report. I contacted the collection agency, XXXX XXXX, who reported the item to the credit bureau, in an effort to resolve the mistake ; they were unable to locate any account for me with my Social and all my identity information. They looked XXXX and the gentlemen I spoke with advised they have no account with my identity information and said they would delete the collection item.Since then, I ask them to remove the deragoatory entry from my credit repor and they said they would, Since then I have asked XXXX XXXX XXXX additional times for them to correct their error and all XXXX times they said they would.
I have previosuly filed a dispute with this company XXXX XXXX XXXX they responded with the fact that although the account has reached the statue of limitations and that they can still report it on my credit report! but after reading my rights it is to my knowledge that is account is now a zombie account as it states on my credit file that the 1st delinquent occurred XX/2011 there for this should be deleted off all 3 credit agencies and stop being reported.
This is a new Complaint on U S Bank Mortgage. I never received XXXX-mortgage interest statements from U S Bank mortgage from XX/XX/XXXX - XX/XX/XXXX. These statements was reported to IRS, yet I never received copies to file my taxes. Since payments was made to U S Bank from my checking account with XXXX XXXX XXXX I have the right to receive these statements. The account number with XXXX XXXX XXXX was XXXX/XXXX.
US Bank never mentioned the {$100000.00} transferred to them from XXXX XXXX  on XX/XX/XXXX. I received a settlement from a XXXX XXXX law sue. Whom ever have my drivers license & social security card made this transaction. U S Bank Mortgage did n't inform me of the many payments made to them from XXXX XXXX XXXX & XXXX XXXX. It was a series of mortgage payments, with a series of account numbers. The was an account for US Bank mortgage paid on XX/XX/XXXX. The account number is XXXX in the amount of {$1000.00}. U S Bank mortgage have mortgages that was being paid, using my accounts. A large amount was transferred to them. If it was n't the XXXX Family. It was XXXX XXXX, she was a XXXX before she got married. My youngest child is being used also, because he have a XXXX XXXX & he 's a XXXX XXXX. His name is XXXX XXXX XXXX/ his social security number is XXXX.
After not paying my taxes for a year and half, they finally paid the taxes. This sent my Escrow account into the negative, which is understandable. They sent me a letter with the option to pay the escrow deficiency of {$10000.00}. The letter came with a coupon, which I returned with a check for {$10000.00}. This was posted to my account as a payment and the remaining went into principle. I called three times to get this correct before XX/XX/XXXX so I could make my XXXX payment at my original amount. Each time I was promised it would be correct and applied to my escrow account. It is still not corrected.
I have sent two request to SunTrust my loan origination bank. The first request to the CEO which was more of an informative request. The second request for information followed the RESPA mandate for QWR OR RFI, SunTrust chose to respond to the CEO letter and did not follow the guidelines of acknowleding my QWR/RFI within the stated timeframes. Further more SunTrust is denying my right to what they reflect as the loan origination documents prepared by former SunTrust broker for my loan. SUNTRUST states my request should go to my servicer. My Servicer sends copies of documents that never address what I need. The unanswered question is why neither SunTrust or XXXX wants to provide what they now have as the originational loan documents prepared by the broker and what was used to qualify me for the mortgage. SunTrust prepared a response to me based on my letters and conversations with them. The copies of the documents I they have will help in bring this complaint to a close. 
This is a repeated request for information regarding the original loan documents, file. Not limited to the application, credit report, approval notice, amount approved for type of loan, request for personal references, job letter, pay stubs verifying income. All supporting documents used to qualify me for the loan.
I followed every protocol according to the Fair Debt Collection Practices Act. I sent cease and desist letters within a certain time frame and I disputed the validity of the debt because it is my personal preference to deal with the credit card company directly. Forster and Garbus LLP refused to obey any laws put in place and I've had enough. I made a complaint with the attorney general office with no results. They proceeded to start a lawsuit in XXXX County Civil court despite me following all laws ( under Index # XXXX ). Please keep in mind the reason why the debt was not being paid is because my wife was laid off for about a year and a half and we have XXXX children. Some things had to fall behind in order for me to provide for my family. Now that my wife is working, I was planning on paying the debt, but before I could get an opportunity, Discover sold the account and I've been harassed ever since. They started the lawsuit ( Forster and Garbus LLP ) and never notified me. I found out from an attorney 's office who wrote me asking me to hire them to represent me. Why are laws in place if they do not have to follow them? I am asking you to please help and investigate so they can not illegally try to garnish my wages. Any help is appreciated.
XXXX XXXX, XXXX through their subsidiaries leased me personally for 4 years and than sold me the same vehicle with defective drivers side air bag knowingly prior to sale which is against the law since the air bag is an essential part of the vehicle that may cause XXXX ( at that time air bag of that type already caused XXXX  of approximately 10 people ). I purchased the vehicle from Mercedes-Benz of XXXX XXXX, XXXX Virginia on XXXX XXXX, XXXX I found out about the defect on around XXXX XXXX, XXXX from Mercedes-Benz of XXXX that refused to service my vehicle and demanded to leave their lot immediately since they did not want to be liable for possible death of their customer or employees due to defective airbag. I tried to Contact Mercedes-Benz Financial that I had a contract with, Mercedes-Benz XXXX XXXX XXXX and Mercedes-Benz of XXXX. Every time XXXX more than 20 attempts totally ) I was refused any service of the defect or return of the vehicle. I asked all of those entities to take my request seriously since driving the vehicle in given conditions is like sitting in front of the loaded firearm pointed at my head. Nevertheless, not a single individual in Mercedes-Benz company took my request about repair seriously. Instead They posted {$47000.00} loss on my credit report since I refused to pay for the vehicle that I could not drive. Finally on XXXX XXXX, XXXX the attorney of Mercedes-Benz agreed to accept the vehicle back. I took it back to Mercedes-Benz of XXXX XXXX where general manager XXXX XXXX refused to issue me any kind of paperwork stating that I actually returned the vehicle that would serve as a proof of relinquishing ownership of the vehicle. The whole experience with XXXX XXXX caused me an enormous amount of emotional distress and damage. Also, caused me more than {$100000.00} in financial damages. 
I would estimate my total emotional, financial and damages in respect to punitive aspects of the nature of this conflict to {>= $1,000,000}. 
I expect XXXX XXXX be held responsible. 
XXXX XXXX XXXX, XXXX, VA XXXX
I have been a victim of identity theft. I placed a fraud alert and credit freeze with the 3 bureaus. The applications are numerous and keep coming in. Although they are being declined due to the credit freeze, one of the applications for a pre-qualified personal loan through a bank was through Credit Karma. I do NOT have an account set up with Credit Karma, never have had one. I tried to get information from Credit Karma to cancel any account they have in my name because it is fraudulent, but they have no phone number, and have not responded to my email requests through their " Contact Us '' support email address. I put " URGENT FRAUD/ID THEFT '' in the subject line, and after 5 days, no response. If the thief has a Credit Karma account, they can get copies of my credit reports and have even more identifying information! I have contacted FTC, local police, credit bureaus, and the Postal Inspector General, but if someone has this much access to my credit file through Credit Karma, I want to know how they set up the account, and to get it cancelled. How do I get a response from Credit Karma?
XXXX XXXX XXXX line opened without my authorization. I did not authorize a company ( XXXX ) to open this line of credit. I applied for credit with another bank partnered with XXXX and I was redirected to accept an application from XXXX, which was not clearly disclosed. I want my account closed.
PennyMac is consistently not paying my taxes on time with the City of XXXX. First half of the tax bill was due XX/XX/2018 and I just received a letter in the mail that this has not been paid. The same thing happened to me last fall as well. I currently have a partial tax exemption for my rehabilitated property and it appears that I may lose this because of PennyMac 's inability to monitor my taxes. What is the point of having an escrow account if I'm getting penalized monetarily by the city? I am curious to know what controls they have in place and who their vendor is because this has been an unbelievably frustrating experience for me, to constantly get these letters from the City. Please pay my taxes on time and make sure you are MONITORING for future payments. I refuse to pay inflated taxes because of PennyMac 's deficiencies in their internal processes.
I am a victim of identity theft. The fraudster made a purchase on XXXX XXXX, 2016 for {$4800.00} at XXXX XXXX in XXXX, Michigan using my Citibank credit card account. The purchase was quickly identified as fraudulent and I have made a police report to the XXXX, Michigan police as requested by Citibank. Despite this, the purchase amount is STILL included on my Citibank account plus {$420.00} in fraudulent interest charges. I have called Citibank numerous times to get the charge removed, and they say they will remove it, but that still has not happened. XXXX additional things to consider : 1 ) I live in XXXX, Washington and have never even been to XXXX, Michigan, and 2 ) the fraudster made a similar purchase on the same date with the same store using my XXXX card account. That incident was also identified as fraud and reported to the police, and the charge was removed from my credit card bill in XX/XX/XXXX. I fail to understand why Citibank can not get their act together and remove the fraudulent charge from my bill! I am complaining to you because my patient, persistent efforts to resolve this matter have gotten me nowhere.
I logged onto my Bank of America online account on XXXX XXXX and my account showed that I had a payment of {$32.00} due on XXXX XXXX. I made the payment at that time. When I logged on again on XXXX XXXX, my account showed a past due amount of {$32.00} and a late fee of {$25.00}. I verified that the payment of {$32.00} posted to my bank account on the XXXX of XXXX and called B of A. I was told that my XX/XX/XXXX statement closed on XX/XX/XXXX and that my payment of {$32.00} for XX/XX/XXXX was applied to my XX/XX/XXXX statement. After I explained that my online account showed a payment due for XXXX XXXX, the XXXX reversed the late fee and I was told that the payment would be applied to my XX/XX/XXXX statement. I checked my online account today and my statement for XX/XX/XXXX shows a late fee of {$25.00} and past due of {$32.00}, as well as credits for {$25.00} and {$32.00} ( meaning that the credits were applied to principal instead of reversing the charges ). Additionally, my minimum payment amount, which contractually should be 1 % of the outstanding balance was now {$89.00} instead of the {$32.00} is should be. This was because B of A was adding the late fee and " past due amount '' to the minimum amount due ( {$32.00} + {$25.00} + {$32.00} = {$89.00} ). I have contacted Bank of America 's customer service multiply times and have been told that there is nothing that they can do. I feel that it is an unfair and deceptive practice for a company to tell a customer that they have a payment due and after the customer makes the payment, apply it to the previous statement cycle and increase the next minimum payment due. While the increase from {$32.00} to {$89.00} has little affect on my ability to make my payment, I 'm concerned that this practice could but some borrowers into the position of not being able to make the increased payment. If this is happening because of a timing issue between B of A 's online system and accounting system, it seems to me that it is something that B of A should correct, not an issue that should be passed on to their consumers.
My wife and I were vacationing in XXXX XXXX XXXX for the 1st time XX/XX/XXXX. We attended a presentation for XXXX XXXX on Monday, XX/XX/XXXX and purchased a timeshare. The next day we were at the marina and speaking with someone at a booth. He sold different excursions like for fishing trips and such. Of course, he asked us we had been to any presentations and we said yes and told him we had purchased a timeshare at XXXX XXXX. We also told him we were having second thoughts about the purchase. He told us that by law we had 5 days to cancel. He also told us he could set us up at another presentation with a vacation club and they would purchase our timeshare and we would be able to have a membership and save a lot of money. We looked at our contract for XXXX XXXX and discovered that we in fact did have 5 days to cancel. Well, we should have just cancelled. Instead, the next morning we went to the presentation at a place called XXXX. This is a very nice area of XXXX with beautiful home overlooking XXXX. We were taken in a taxi to a very nice home. We were greeted by a very nice and professional looking woman who sat down with us and asked us to show her our identification and a credit card. This seem like a standard procedure as this happened when we went to XXXX XXXX. She proceeded to ask us a few questions and then introduced us to a gentleman by the name of XXXX. At this point, we are not sure if this is his real name. He started explaining to us how this vacation club called " XXXX '' would allow us the flexibility to use our money for a variety of different types of vacations. He told us that he would purchase our XXXX XXXX timeshare and we did not have to cancel. He told us that what we paid to XXXX XXXX would be applied to our vacation club membership. It all sounded too good to be true and as part of becoming members we would receive a two week vacation for XXXX. He wanted us to pay {$8000.00} but we told him that we could not. So, agreed to pay {$4000.00} and finance {$4000.00} for 12 months beginning XXXX XXXX, XXXX. He gave us the paperwork to look over and we had breakfast outside on the patio of this home overlooking a beautiful pool. We paid him {$4000.00} with a debit card. 
Last month we started getting emails from XXXX XXXX about our account. I finally called XXXX last Friday and learned that our timeshare had not been purchased or transferred. I looked at my paperwork for XXXX and called the toll free number. It is not a valid number. I called so called XXXX 's cell number. It is not a good number. I sent an email to XXXX and XXXX and both bounced back as invalid email addresses. Basically, all the information given to us was fake. A total scam. We have contacted our bank and are hoping to get the money bank.
I contacted XXXX because they seem to offered great services are used their their fuel card a couple of times am I stopped using it because every time I will have to make a payment job and I was having trouble logging into my account. I was obligated to call and make a payment over the phone him with an expensive flat fee of {$15.00} for credit card processing over the phone so pretty much does the catch the lower your fees I want to fuel your gas tank for your trucks but then they charge you a {$15.00} fee to pay over the phone because every time I try to log into my account I would always never able to login. The XXXX month I decided to use it again no I would give it a second chance am I tried to login again to make a payment it was unsuccessful I made several calls about I was on hold for over XXXX minutes waiting for instructions to reset my password and be able to log into my account I was not able to login after following their instructions for several times and several times am I was ready frustrated I told him to please waive my fee that I will pay it over the phone. The XXXX month after being frustrated of nerve being able to log into my account after speaking to several of the agents and following their instructions step-by-step to reset my password I was not able to login I decided to cancel my account on not use the card anymore so I called her you asked to speak to a manager they passed me on the phone with the manager I explaining the situation he attempted to reset my password again unsuccessfully so I decided to Pay off my card balance and have my account close because I believe I was n't going to be using it no more I found it useful and from time-consuming for me he said are the total balance I paid it over the phone and he said my account was going to be closed.he was kind of rude I believe because he did n't want me to cancel their services but he was n't in the best mood now the next month I received a bill which I do n't understand why if I paid off my account I 'm on top of that they had added a {$80.00} fee for late charges him that I do n't understand why and since then I have n't paid them I 've been trying to fight with them and not I 'm not getting anywhere and every month they keep adding a late charge of {$80.00} I just I would 've never signed up to this account if I would 've known they were going to charge me fees on top of fees. And now this is beginning to affect my credit score.
I initially filed a complaint against  TD B ank, USA and debt collector attorney 's office  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX . for deceptive tactics to collect on bad  debt.TD Bank USA  responded stating that  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX  was servicing the account.     I was sued on this account an d TD  Bank stated they wrote this account off. If this is true, they never sent me a  XXXX  to report on my taxes. I contacted the Internal Revenue Service and it was stated that they did not have one on file. This would mea n two things, TD Ba nk wrote it off on taxes and are trying to sue me for what they wrote off, which would be illegal, or they have sold this account.     It has already been determined in the letter that they charged the account off o n   XXXX   XXXX  , 201  6 wh ich was in the response  Case #    XXXX . The attorneys are claiming they are suing me on behalf of the company, and if that is the case, that means tha t TD Bank is violating tax laws with the IRS, however if they are no longer custodians of this accoun t and sold it, I need them to state that in a response that they sold this account to the law firm.     If they do not respond that they sold this account I am asking that this information be sent to the Internal Revenue Service for investigation into tax fraud.     Tax fraud occurs when an individual or business entity willfully and intentionally falsifies information on a tax return in order to limit the amount of tax liability. Tax fraud essentially entails cheating on a tax return in an attempt to avoid paying the entire tax obligation. Simply   TD Bank ca n't sue me and charge off the account.
The law firm filed a legal document bearing TD Bank as the plaintiff.
The original creditor is XXXX XXXX XXXX. This account is in collection for all three credit  bureaus. The account was bought out by enhanced recovery group. I explained to them that i would seek resolve through XXXX XXXX XXXX but i never get anywhere. I tried last month in XX/XX/XXXX and also XX/XX/XXXX to pay them for what was owed on my account. The problem is they are charging me for equipment plus past due service balance which is {$900.00}. I would like to pay the balance but not the equipment charge because i returned the equipment. Everytime i call them they give me the run around, i have to wait on hold for hours and then i get switched from one representative to another, just for them to tell me i have to wait two billing cycles for them to investigate. I did that and called back after a month and they tell me the same thing. They claim they do n't have a record of me returning the equipment. They asked did i have a receipt of this. I 'm upset because this happened back in XX/XX/XXXX. No i do n't have the receipt, but i did return the equipment. I just want to settle this debt and be done with them. They continue to hurt my credit. According to my bank statement, I paid enhanced recovery back in XX/XX/XXXX for a debt showing on my bank statement. I will be calling tomorrow to see if it was for XXXX XXXX XXXX.XXXX They are charging me for equipment that i returned to them and i do n't think it is fair. They told me i need to have my receipt. I disagree. All of their equipment has serial numbers on them. They will know if i returned the equipment because the equipment serial numbers will be used by another customer if so. I just feel they are being rude giving me the run around and i want this resolved so this can be removed off my credit. I am trying to get a house and this does not look good on my credit. It hurts because they know i have tried calling to straighten this thing out. Supervisors/managers claim they would call back and never did. However, they continue to insist that i call enhance recovery instead. I am in desperate need of help..