WillisBack/dataset-financial-user-claim huggingface dataset:
We attended a 90 minutes time share presentation onXX/XX/2018 at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, during our family vacation.The name of the company was XXXX XXXX. While reading the contract, the people asked us to provide them a valid ID and our credit card.My husband told them not to charge anything on our credit card until we sign the contract.We did not sign anything but they charged our credit card in the amount of XXXX US dollars ... We filed for dispute when we saw that they charged our credit card that amount hoping that Citi card would not pay them.Citi card did their investigation, we provided them our letter of what had happened why we filed for dispute ... On XX/XX/XXXX, we received a letter from citi card saying that they are unable to assist us because that was a face to face chip card transaction, that we had provided our credit card to the merchant and they had inserted our credit card into their chip card reader so citi card held us responsible for this charge. We called them many times, explaining to them that we did not signed the contract but they told us that the investigation was closed and that they could not do anything about it. They sent us the bill amounting XXXX. One lady told us from citi card that we need to contact the merchant directly and tell them to refund the money to us directly because they already closed the investigation. 
We did contact the merchant on XX/XX/2018 and we emailed to them the letter that we recieved from citi card dated XX/XX/2018 because they asked for it.The manager named XXXX XXXX told us on the phone that citi card had withdrawn the money from their bank account, so my husband asked, how could that happen? We called citi card if they received the whole amount from the merchant but citi card employee said no, they did not received anything from the merchant. 
Please.. please ... please ... we need your help to solve this problem, we feel so helpless ... 
We attach all the documents concerning this issue on the next page.. 
Thank you so very much and we heartily hope that you can help us .... We don't want to pay the amount that we never use and we don't want our credit be ruined by this incident ... 
Hoping for your kind consideration and understanding ... XXXX bless.
In XX/XX/2018 I disputed a fraudulent account with reporting a false incorrect social security number tied to this account on my TransUnion credit file. The discovery was made that the Debt Collection Company named XXXX XXXX XXXX, Original Creditor XXXX XXXX has used the name on my credit file to falsely and fraudulently place the said account with a fraudulent social security number that does not identify me. TransUnion Dispute result claims the information is correct even though it is obvious the social security number XXXX XXXX XXXX has provide to TransUnion does not match that of my true identifying social security number. TransUnion has failed to properly address my concerns regarding the identity theft and I feel my dispute was never investigated. I have filled an Identity Theft Report with the FTC and have included the copy of my Identity Theft Report and all supporting documents required stated in the report from the FTC.
Debt collector from National Credit Adjusters is repeatedly calling my job, family, and friends. They are immediately asking me to verify my social security number and becoming frustrated when I do n't, and when I want to know who they are. The only identify themselves as National Credit Adjusters, and are unwilling to give any other information for what they want unless I verify my identity with sensitive information.
Yesterday, on XX/XX/2018, I found out BANK OF AMERICA, summarily closed my account- and refused to give me my monies in that account- saying they have to hold them until account is closed- makes no sense, as ACCOUNT IS CLOSED THIS IS CONFISCATORY THEFT OF MY MONIES- WITHOUT DUE PROCESS OF LAW. I had about {$6.00} dollars there- stopped my debit card- and I am a XXXX, senior- and now can not pay my bills- ALSO ADVERSELY AFFECTING MY CREDIT AND CREDIT RATINg A few months before I had horrible fraud against my credit cards- giving me addiontla debt of {$12.00} plus- which the bank refused to honor- and closed my credit cards. I then opened a business account- and credit card issued for that was closed, without prior notice to me- The bank had made no effort to reimburse me for that theft=== THIS IS UNCONSCIONABLE- as they claimed there was possible MONEY LAUNDERING, AFFECTING 5 OTHER ACCOUNTS- gave me NO WRITTEN NOTICE- and made no effort to protect me nor reimburse me for these loses. Could BE ANOTHER=== XXXX XXXX XXXX, FRAUD by this bank No advance notices or written notices given me by the bank regarding the total of about over {$18000.00} ( XXXX XXXX dollars ), they have in effect STOLEN FROM ME- this is STEALING MY PROPERTY WITHOUT DUE OF PROCESS OF LAW- and they FAILED to protect me from the PRIOR FRAUD.
Applied to US Bank for a refinance of original US Bank mortgage and a US Bank equity loan ( all inhouse products for them ) on XXXX. They required me to write them a {$1900.00} check for Escrow of insurance and taxes even though I had a {$2200.00} escrow balance with them on the existing mortgage. As of XXXX/XXXX/15 they have yet to refund my original mortgage escrow balance. They sent correspondence that any balance due would be issued in approx. 30 days. The first due date was on XXXX and they have had more than 30 days to issue funds. These funds were also in their possession so they could verify the funds with no issues and no third-party. It appears they are using consumer funds to create quite a substantial " float '' without paying any interest on these funds.
I opened a HELOC with XXXX XXXX XXXX XXXX ( I 've banked at the same bank office since XXXX when it was XXXX XXXX XXXX ) in XXXX. Last XXXX XXXX sold their mortgage origination business to an organization, XXXX XXXX XXXX XXXX XXXX XXXX, as part of their attempt to not be a XXXX XXXX and engage in more growth. 
From the first communication from SPServicing, I have had to call them many times, and send a couple of requests to their ombudsman, to correct the errors. One involved the interest rate on the HELOC which was .25 % below the posted XXXX rate. They misread the originating document and started my account with SPServicing at XXXX above prime. One response to me implied that my interest will increase each month! 
In XX/XX/XXXX I started the process of applying for a new Home Equity Loan with another local bank, but stopped when my wife received an estate distribution which more than covered this SPS account. 
On XX/XX/XXXX I called SPServicing to apply for a payoff quote. I followed their online instructions, and waited for the quote to arrive in the mail. It arrived yesterday, XX/XX/XXXX, but had an expiration date of XX/XX/XXXX. It was no longer valid. I spent a lot of time on the phone with them yesterday, and a CSR told me that I should receive an email notifying me of a message in their on line message center with a payoff quote that I could mail to them with my payoff cashier 's check. 
No email or message has appeared in my email inbox or the SPServicing on line message center. My wife spent time on the phone with them again today, and their response was to submit a new request, with the same delay in getting it. Since SPServicing is moving my account to XXXX XXXX XXXX XXXX effective XX/XX/XXXX, that means the payoff quote will probably arrive on XX/XX/XXXX and expired. ON top of which it will be no longer valid with the transfer to XXXX XXXX XXXX XXXX. 
That means we will have to start the whole process over with XXXX XXXX XXXX XXXX. This chain of events is totally unacceptable. 
One thing making this payoff even more critical is that we came home on XX/XX/XXXX and found the cold water and waste line in the bathroom frozen. While trying to heat up the pipes, I had all working until I turned on the cold water to the shower/tub, resulting in a burst pipe and severe damage to the kitchen below. We called our insurance company and our plumbing and XXXX company in the morning. Both responded promptly, sending a plumber and a restoration company, who responded within a half hour and fixed the burst pipe and removed all the wet ceiling, walls and insulation. Fans and commercial dehumidifiers were employed to dry out the walls. Contractors have begun the process of rebuilding and the insurance company has issued us two checks, but the second check was issued to us with SPServicing included in the payee line. This has added more aggravation to our travail. 
I have been convinced that SPServicing is not what they claim on their website, except for the fact that they identify themselves online and in their phone greeting message as a " Debt Collection Agency! ''
XXXX XXXX XXXX SUED ME ON THE BEGINING OF 2017 with the NJ SPECIAL CASE DIVISION COURT IN XXXX XXXX. XXXX XXXX XXXX. 
XXXX XXXX ( Original Creditor ) sold to Midland.funding ( XXXX XXXX XXXX attorney ) .Defendant answered the claim and request interrogatories. Plaintiff provide hearsay documentation with affidavit from the midland funding not the original creditor. Plaintiff did n't provided any agreement or sign documentation showing the name of the defendant. This credit card was opened in NY and they filed a lawsuit in NJ where the defendant currently lives. The judge thought that the documentation provided was enough and executed a judgement. Defendant provided a reconsideration to vacate judgement but the XXXX rebuttal stating that the judgement should be final and no reconsideration should be honor. Judge honor them a writ of execution which defendant never received from plaintiff by mail or by person. XXXX XXXX XXXX illegally provided a wage of execution and harras me me every time I was looking for a job sending wage execution notice to each employer. Currently and they know that I 'm unemployed and got a XXXX XXXX making me judgment proof status. Until today 's date we do n't have real documentation that midland funding is the new creditor and XXXX XXXX XXXX did not provide any crucial documentation. Even though there was a lawsuit from CFPB halt them to stop collection activities, the judge is aware of this but it was ignore.
CITI card company failed to delivery my credit card statement to my correct address and failed to send the statement alart to the correct email address. So I did not receive my statement and pay the bill on time. I have several cards with this company and the other cards all have my correct address and email address. I always paid other cards on time. And I had been the CITI cards holder for many years and had been always paid my bill on time. Instead of taking proper steps to reach me after the bill was due, this company sent this to the collection bureau and hurt my credit history. After I found this by checking my credit report, I filed the dispute and paid what I owned immediately. But this company refused to accept my explanation and refuse to fix my credit report and insist to ask me to pay the late fees and interest fees. Because this effected my credit score, this company is also able to prevent me from getting lower interest rate from other company. So I will be stuck with high interest rate with this company for my other cards. This is this company 's on purpose trick to earn money from a loyal customer. I file this complain again to seek justice and correction to my credit report.
Collection Agency XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Closed Date -- Balance {$600.00} Placed for collection Disputed XXXX/XXXX/XXXX for the second time Disputed the first time XXXX This account is fraudulent. I am not aware of what I am being charged for what so ever. It has also been transferred to another agency but remains on my credit after dispute.
Refinance my mortgage paying off the mortgage I had with Suntrust on XXXX XXXX, 2015. They ( Suntrust ) was supposed to send me a cheque with my balance on the escrow they are holding for the amount XXXX. Up to today I have not received the fund. They are claiming that they have send me by check the above amount and I have not received it. Let me point out no letter has been lost and I have even received their latest communication final escrow account disclosure send to me on XXXX XXXX. In their they are claiming that they have refund me. I keep calling them and they keep saying the check was send out few weeks ago. The amount is important and they are withholdin it without any justification. The check lost is an easy way of delaying the reimbursement.
A check number XXXX dated XX/XX/XXXX was written in the amount of {$5.00} against the undersigned 's Citibank checking account. On the front of that check underneath the date, was the pre-printed words " Void after 90-days ''. The check was presented to Citibank for payment in the amount of {$5000.00} on XX/XX/XXXX. 

Despite the fact that the check was VOID at the time of presentment to Citibank for payment, and was also stale dated, Citibank nevertheless paid the check on XX/XX/XXXX, more than a year after the check was written and more than 90-days after the check 's validity date. In addition, Citibank paid the check against the undersigned 's account for {$5000.00} ; instead of {$5.00}. 

Citibank has since failed and refuses to take any corrective action on this matter after being notified multiple times of the Bank 's error.
Due to misunderstanding and clerical errors of this account, I am requesting validation of this debt. I never received proper notice for this debt. I was notified by XXXX in XX/XX/ that this account would be tranferred to RTR on XX/XX/. I received two account statements from RTR. The first time I spoke to RTR was XX/XX/. I wanted to settle a debt that I supposedly owed. Unfortunately, at that time I was unaware of my rights.After five days of initial contact, RTR should have informed of the name of the creditor to whom the debt is owed, a statement of dispute, correct amount owed. In short, my consumer rights. I do feel RTR is taking advantage of me by not properly informing of this debt. I deserve to know my consumer rights. Overall, RTR account handling is unfair, deceptive and unorganized. I have no problems with the customer service reps.
I sent {$600.00} from XXXX  through MoneyGram Payment Systems on XX/XX/2018 with a promise for the money to be delivered on XX/XX/2018 through the reference # XXXX. The receiver was denied payment after several attempts by going to the MoneyGram location in XXXX despite the fact that receiver had all necessary documents include Identification, and the number. No reason was given to the receiver. The receiver contacted me ( sender ). I physically had to go to the XXXX, to be told that I need to call Moneygram. I called XXXX on XX/XX/2018 at XXXX XXXX EST while at the XXXX  premises after several automated responses was connected to XXXX. I provided all my information only to be told that the sender has to call XXXX and if cant get a resolution to visit MoneyGram site and if they didnt get the resolution they should inform me ( sender ) and then I need to call MoneyGram. I told him they have gone to the MoneyGram several times and have not received the money. I told him to refund the money so I can collect and send through XXXX XXXX. He said he couldnt do that. I asked him to call the sender now and he stubbornly refused. I asked him the reason and he bullshitted me with that MoneyGram has to fulfill international regulations for {$600.00} that he couldnt do anything at that time. I was frustrated and asked him for the address of the MoneyGram complaint center, he told me I should dictate tell him and he will lodge the complaint on my behalf, I refused and told him I can find the address on internet. I knew the financial hardship of the receiver and called international number 3 times to get connected the receiver in XXXX and told them that I will send additional {$600.00} to them or will arrange for the money through my family in XXXX. While on two separate numbers I told XXXX XXXX that was the name he gave me ) of the frustration and I will have to take it up with the CFPB. Upon hearing it he asked me to wait and came back online and asked me to ask the hangup on the receiver so that he can call the receiver. After few minutes he came back online with me and informed me that he has all the information and the money will be available after 10 minutes. All this took over 30 minutes of my time standing in the XXXX  with everyone listening and severe financial hardship for the receiver. 
I trust the strong US financial regulation and was sure to get my money back, I didnt trust MoneyGram. I had already called my brother in XXXX and asked to wire transfer XXXX immediately to a family who is financial hardship. SHAME ON MONEYGRAM FOR THEIR UNPROFESSIONALISM AND STUBBORNESS.
Greentree ( now Ditech ) says they are not responsible for paying my home 's flood insurance policy, although it 's always been set up as a mortgagee-pay for that. Complicating the matter is my mortgage loan was transferred from XXXX to XXXX, who transferred it in XXXX 2015 to Greentree ( nka Ditech ). Prior to XXXX 2015, XXXX and XXXX made the annual flood policy payments. However, Greentree/ditech says the loan they rec 'd from XXXX does n't make them responsible for paying the flood policy.
Im writing to dispute an account fraudently opened in my name. Im a victim of identity theft and did not open this account. Im also a victim of identity theft and did not open this account. Im also a victim of the XXXX and XXXX breach. State ID and social security have been compromised. Im not responsible for any charges made to this account. I would like to request copies of any documentation, such applications or any other record showing the activity on this fraudulent account that provide proof I opened this account. According to federal laws this company is required to provide undeniable proof that this debt is valid.
I was incarcerated and unable to pay my student loan and it went into default.I am trying to contact the collection agency that holds the loan.The company is XXXX XXXX XXXX XXXX. I have made numerous attempts to call them. I have sent email. They do not reply to my messages. I am working with XXXX  at XXXX XXXX and my adviser has also tried to contact them. I contacted Federal Student Aid and they can only give me a phone number that sends me to voicemail where I leave a message. Again, no one will call back. 
I started trying to contact them in XX/XX/XXXX and have made numerous calls each week ; too many to count. I need to resolve this and get my student loans out of default. I want to go back to school and this is keeping me from moving forward with my education. I appreciate any help you can give me.
I am a victim of identity theft. 

A target national bank account is appearing on my report that does not belong to me. after multiple disputes, and requests for verification, this company has refused to respond with any information on this account.
XXXX/Toyota Financial ( XXXX/TFS ) erroneously charged me for excess mileage. I had 2 lease accounts ( for 2 different cars of the same year and model ), and they mixed up the 2 contracts one had 12,000 mi. per yr. ; another had 10,000 mi. per yr. 

As a result, the calculation for my mileage allotment on the one that should have had 12,000 mi. per yr. was way below the correct number. XXXX/TFS claimed I was only supposed to have 33,350 mi. when shouldve had 39,000 miles.

They charged me {$1900.00} which was due on XX/XX/XXXX. 

I called XXXX/TFS on XX/XX/XXXX to help them realize their mistake. I spoke with a rep named XXXX ( XXXX ), who eventually saw the mistake and told me that she has escalated the issue. She also told me to call back in 7 to 10 business days to check on the status. I asked her if I should be worried about the due date ( XX/XX/XXXX ), to which she said no, because the issue has been escalated for correction. 

I called back on XX/XX/XXXX. I was upset to find out that XXXX/TFS had assigned my account to a debt collection company called XXXX XXXX XXXX XXXX. 
Not only did XXXX/TFS not correct their mistake, they even made it worse by saying that they can not help me clear the issue because its with the debt collector now! 

Even my attempts to contact XXXX XXXX to clear my record have been futile. All Ive gotten from them are voicemails because the rep hasnt been available so far when I have called. That, and recently Ive been given the excuse that their system has been down for a couple of weeks, so no one else can help me.
I opened an account with XXXX XXXX when I lived in XXXX during the XX/XX/2014. I moved out of the apartment and back to XXXX during the XX/XX/2014. In XXXX, I received a bill from XXXX regarding a balance on the account. I paid the balance in full and closed my account. I never heard from them again. It is almost a year later and it is registering on my credit report that I have an amount out on the account that has gone to collections. The company has acknowledged the fact that I called to cancel my account in XXXX. If this is the case, how am I carrying a balance on an account that was paid in full and the account was closed? I paid the amount because I do n't want it on my credit history, but I did n't allow the account to go into collections. They did it without my knowledge.
We had medical bills that we were paying slowly. The debt collection agency started to call my place of work. XXXX would threaten me and be extremely aggressive. She called me 5 to 10 times at work even after I repeatedly asked her not to call me there. She called me more at work than she did on my personal line. When she talked to my husband she was kind and understanding but when she talked to me she was rude, aggressive and continued to harass me.
On XX/XX/2017 I was served at my daughters house ( I do n't even live there ) with a summons of a propose lawsuit in the amount of {$2200.00} from an attorneys office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX NM XXXX ( phone # XXXX ) and the XXXX  District court in XXXX County NM Case # XXXX I responded immediately to the courts and to the attorneys office requesting documentation to support this financial claim, Today ( Dated XX/XX/17 ) I received communication from this attorneys office stating that " The Client ( Capitol One ) has reviewed and investigated your fraud claim in relation to this account and determined your dispute invalid '', this debt collector supplied absolutely no supporting documentation. This is not my debt, I do now owe this money. I am being threatened and dragged through courts for something that I am not liable for thanks to XXXX XXXX XXXX, unscrupulous attorneys office on behalf of a unscrupulous debt activities attempt. I can send or scan all relevant supporting du=documentation to you as needed or requested, Thank you ... XXXX XXXX XXXX XXXX : XXXXXXXXXXXX mailing address : XXXX XXXX XXXX XXXX XXXX, NM XXXX
Please note that this is the second request for assistance in reference to inquiries being made and allowed by Equifax that are listed on my report. I am in the middle of trying to obtain a loan and this is causing myself and my family hardship. After filing and calling Equifax more than three times, Equifax has refused to show proof of validity for inquiries that were posted on my report. My initial complaint was filed with CFPB back on XXXX XXXX, 2017 and I 've attached the response back from Equifax stating that the inquiries were factually proven to be mine ; however, again, they have not proven validity and I had a fraud alert placed on all three reports at the beginning of this year. According to the fraud alert clause, I should be notified every time a merchant runs my report, but I was not notified about any of these inquiries. Please review the attached and refile a complaint based upon Equifax 's refusal to show validity.
No contract with them. 
No idea what this is even suppose to be a debt from. Clearly isn't mine.