WillisBack/dataset-financial-user-claim huggingface dataset:
I WAS CHARGED FOR THINGS I DID NOT AUTHORIZE ON MY ACCOUNT. WHEN I RECIEVED MY STATEMENTS BACK WHEN THIS HAPPEN I CONTACTED VISA BANK OF AMERICA AND LET THEM KNOW THAT THESE WERE FRAUD CHARGES. THEY TOLD ME I WAS TOO OLD TO REMEMBER AND I PROBABLY DID MAKE THESE TRANSACTIONS. I TOLD THEM I DID NOT AND TO PLEASE STOP BEING SO MEAN TO ME. THEY CONTINUED TO SPEAK TO ME SO MEAN. I ENDED UP HAVING TO PAY FOR ALL THESE CHARGES AND THEN THEY CLOSED MY ACCOUNT WITH THEM. I WILL LIST THE CHARGES ; XXXX/XXXX/XXXX XXXX XXXX CARD ENDING XXXX XXXX/XXXX/XXXX TIME SHARE BY OWNER- XXXX CARD ENDING XXXX XXXX/XXXX/XXXX TIMESHARE BY OWNER- XXXX CARD ENDING XXXX RESORTS FOR HEROS- XXXX NOT SURE OF THE DATE I DONT REMEMBER PLEASE HELP ME TO GET MY MONEY BACK THAT WAS STOLEN FROM ME. IM A ELDERLY MAN AND THEY TOOK ADVANTAGE OF ME FOR THAT REASON TELLING ME I FORGOT AND I DID NOT. I KNOW WHO I MAKE CHARGES WITH AND I DID NOT AUTHORIZE ANY OF THESE CHARGES.
Trans Union is not responding to any of my requests to investigate, verify and remove accounts from my credit file that do not belong to me.
I am the  administrator of  my mother 's estat e. In  XX/XX/XXXX  , she took out a reverse mortgage on her home with  XXXX . She passed away in XX/XX/XXXX . At the time of her death the reverse mortgage was being administered by Reverse Mortgage Solutions  (  "  RMS  '' ). Upon her death, I promptly provid ed RMS  with all requested documentation showing that I was t he administrator of her estate and advising them that I was selling the home. I provided a copy  of the real estate listing agreement for their records.  <P/> In   XX/XX/XXXX , RMS tresp assed upon the property, and vandalized it by changing the locks and installing a lock box. When I enquired why this was done, no one at  RMS  could provide a reason. I incurred costs of {$230.00} as a result. I sent RMS a written demand for my costs, but have never received a response.  <P/> In XX/XX/XXXX , a buyer was found for the property and an escrow opened. When the escrow company submitted a request for the payoff demand statement,  RMS  responded by issuing a Notice of Default and initiating foreclosure proceedings. Since the property was already in the process of being sold, with an active escrow, it would appear that the foreclosure was initiated simply to run up additional fees and costs.  <P/> Although the estimated closing date of for the sale was   XX/XX/XXXX ,   RMS submitted a payoff demand that calculated interest through   XX/XX/XXXX  . Not wanting to delay the sale, I agreed to pay the full amount of the demand, with the understanding that RMS would refund the unearned interest. RMS received the funds necessary to satisfy its demand on   XX/XX/XXXX .   <P/> When 30 days had elapsed and I did not receive a check, I contacted RMS about the refund of the unearned interest. I was told that they are not required to refund the interest.  <P/> The payoff demand included a charge for "  Corporate Advance  of {$720.00}. I have not received a response to my written request for an explanation of or documentation for this charge.  <P/> The payoff demand included a charge for " Outstanding Fees & Costs '' in the amount of {$2000.00}. RMS has not responded to my written request for an explanation of or documentation for the charge.  <P/> Given that  RMS  administ ers and/or  makes loans on reverse mortgages, the elderly or their legal representatives make up a disproportionate share of its accounts. From my experience it appears that  RMS  engages in unfair business practices, which include refusing to communicate or respond to inquires from its clients and/or representatives and adding unlawful fees and costs to its loan balances. While the amounts charged are not great, if RMS engages in this type of activity on a regular basis, the fees and costs collected from its thousands of elderly clients  may  be significant.
Continued calls to boss at workplace after alternate number given, threated sheriff to come talked to boss about garnishing washes after 60days late.
I just read an article in the XXXX XXXX XXXX about Citizens bank being fined for botched deposits. Well it just happened to me, so they are still doing it to consumers. 
On XXXX/XXXX/15 I deposited a check for {$3700.00}. Fortunately I had the check photo printed on the receipt and it only shows {$740.00}. On XXXX/XXXX/15 I went to the branch and they said it would take up to 10 business days for me to get my {$3000.00}. I think this is not right! You should fine them some more.
Repeatedly continues to try and collect a debt that is not mine. The debt is owed by a person with a similar name. Mercantile Adjustment Has published negative remarks on my credit report, which were removed. I have contacted Mercantile Adjustment many times to resolve the issue and they continue to attempt to collect.
My ex fianc had a   XXXX   's credit card he opened in  XXXX  before I met him  XXXX   XXXX   XXXX   has an  XXXX  and  XXXX  's store account, which are linked. I was added as an authorized buyer around  XXXX . We broke up in   XXXX   and around   XXXX   I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called  XXXX  's and they stated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with   XXXX   XXXX   and all  XXXX  credit bureaus to have this removed since  XXXX .   XXXX   XXXX  s refuses to remove it, even with a police report submitted to them.  XXXX  's also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that   XXXX   's does not investigate this issue, instead they send a generic response back indicating the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!
Re : CitiCard Credit Bureau Dispute Due To Hurricane XXXX ... 

Below is my most recent communication to CitiCard ... To date, they are unable to assist me because their teams were not trained on how to handle XXXX related situations / cases. Can you please assist? 

As per my discussion with Account XXXX XXXX on XX/XX/XXXX ; please review the notes on my account to expedite the removal of the late payments from XX/XX/XXXX and XX/XX/XXXX. During these 2 months, I was directly impacted by hurricane XXXX and had no power for several weeks. Since my home is located in an area that was declared a federal disaster area by XXXX, I was reassured by your team that I would not incur any late fees, penalties or be reported as late with any of the credit bureaus during this difficult time. 
As of today, all three credit bureaus are reporting these 2 months of payments as late. Can you please remove the late payments and kindly update all three credit bureaus today as I am currently in the process of selling my home and can not qualify for a mortgage until this has been resolved. 
Once both late payments have been corrected in your system, can you please fax a letter to my mortgage lender confirming the removal of such and kindly confirm that ALL three credit bureaus have been updated accordingly. Correspondence should be sent to : .. 
Thanking you in advance for your time and assistance with thisHave a wonderful evening! 

Kindest Regards,
Wells Fargo solicited us to agree to an appointment with an investment individual. As incentive to agreeing to lose time at their office attending an appt., we were to receive {$20.00} into our account. I agreed and set the appointment. I showed up. The investment individual was not yet there. The bank employees who were there did not have information ; it was their investment rep who would know but, again, the rep was not there. I waited. I waited as long as an appt would have taken. The rep never showed up. I never received an apology. When I wrote the bank, they did nothing about it. They still owe me since I kept my end of the bargain, and I lost the amount of time agreed that was to be compensated with the {$20.00} into our acct.
XXXX, Equifax and XXXX have failed to remove fraudulent information on my credit report. After numerous disputes and receiving letters claiming the account/inquiry is reporting correctly, it is not. I have attached my Identity Theft report in hopes of removing the incorrect information on my credit report.
Our company sold merchandise to a person who may have used a fraudulent credit card. 
XXXX XXXX, the credit card processor, tried to withdraw {$3200.00} from our account as a chargeback. After I called them, they said they were going to send us a notice. We had run the charge on their machine, and gotten a copy of the purchaser 's credit card and driver 's license, which we sent to them.
I filed complaint XXXX about CITI BANK and it was responded. Response, however, does not include the correct/complete information in order to pay my balance. The funds I wired according to the information given by Citi were returned. 

I need to know the exact and complete details of the wiring instructions in order to pay the loan. 

I need : Swift, Name of beneficiary bank, ABA number, Account number, Address, City. 
Also, I need the balance in order to repay the loan in full. 

I have called several times and left my telephone number and e-mail. No one responds in the phone numbers given by City ; I have not received any response.
I have a credit card w/ Bank of America . They want to know XXXX what my source of income is, since I refused they threatened to close to \tototod to to to close my account. I think this is a bully tactic. I hope you can resolve this situation. Thank you..
I took out XXXX loans with big picture loans XXXX is finally paid off the other I am still paying. I needed money to fix my brakes on my car.i borrowed {$200.00} and I have given them {$500.00} so far but the loan is not paid off I ca n't afford to pay them anymore money matters a little. I asked if I could skip next months payment of {$150.00}. Which they let postpone until next month. I think what they are charging is too much. Is there some way to stop paying them anymore. {$500.00} for a {$200.00} loan is a good investment.
I purchased furniture on an in-store loan from XXXX XX/XX/XXXX. The loan was serviced by TD Bank. I made monthly payments on time each month using ACH transfers made via phone payment authorizations. TD bank even gave me payment confirmation numbers at the end of the phone calls. I kept confirmation numbers from these payments on an electronic media device that has since been destroyed. XX/XX/XXXX, TD bank initiated transfers to make the payments, but those ACH transfers never cleared and TD Bank never informed me of this. Now, I am XXXX months delinquent on this loan, and it appears on my credit report as a negative account. TD bank never notified me or my bank that there were issues with the phone payments as of XXXX XX/XX/XXXX when I discussed this issue with TD Bank XX/XX/XXXX, they said they had no records of me initiating payments in XX/XX/XXXX.
All three major credit bureaus have illegally hoarded consumer 's personal information without this Consumer 's expressed written consent. Pursuant to the XXXX XXXX XXXX all XXXX credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the XXXX XXXX XXXX to demand on my behalf that all XXXX credit bureaus remove all of this Consumer 's XXXX XXXX XXXXs, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX or XXXX XXXX or similarly sensitive information. All relations with these XXXX credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all XXXX credit bureaus for their Treasonous deeds and all will be forgiven. The consumer would also like to thank the XXXX XXXX XXXX for protecting XXXX XXXX information, XXXX, and XXXX.
I was covered for my medical bill did not know the hospitol and doctors billed differntly and got send to collections when i speacked to collections they were not trying to help or understand my situaction very rude and did not help me at all.
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. LexisNexis is required under the FCRA to have a copy of the original creditors or furnishers documentation on file to verify that this information is mine and is 100 % correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it etc. ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
My mortgage was sold to Seterus. I was late with my payment XXXXfor XXXX XXXX,2016. After that, they mailed my payments back and told me not to send them unless it was the full payment which included tons of fees. Now they say they do n't have my modification papers even tough I sent them everything. Today they will auction my home unless I pay them {$30000.00} this morning. I will be homeless after this and be out all te money I have put into our family home.
CRA VIOLATION NO KNOWLEDGE OF THE FRAUDULENT ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
between XXXX thru XXXX, i was looking to purchase a vehicle and a lot of finance companies reported my credit without my consent.
I received a phone call from a XXXX XXXX of XXXX XXXX XXXX with an address to a P.O. Box in XXXX XXXX, TX. The number they called from was XXXX. They claimed that I owed money on a Household Bank account from 2004. I asked them to send me the information on a letter head to my email in which they did. I told them I had settled an account from this bank previously I believed I no longer had an outstanding account. I told them I would call them back after I went through my files and called the bank. I called Capital One who had obtained Household years prior. They were able to look up all accounts using my Social Security number. They had found one previous account that I had satisfied years prior. The account number XXXX XXXX XXXX has told me and put in their letter was an account number that was never held by me. I called XXXX XXXX XXXX back to tell them they were mistaken. They insisted I needed to pay them today or it would have long lasting damage to my credit. I asked them for a physical address hitch they would not provide. I asked them if they could give me more information on how they obtained my information or my apparent delinquent account in which he told me he could not.
XXXX XXXX did not file their claim in a timely manner, as required by law, and is not entitled to the {$280.00} dollars, let alone the {$170.00} they have filed claim to. I have called them several times and each time I am told " they are investigating the issue, and although it appears their filing was not done properly, they are still investigating. '' Their official investigation was started XXXX XXXX. No other response has been given since, although I have called them at least XXXX times since XXXX XXXX.
My account was closed on XX/XX/XXXX I want to know EXACTLY why it was closed. And if possible Re-Open the account! And payout the bonus that I have completed terms for. 

I have been working toward earning my {$200.00} opening Checking Account bonus and have completed the requirements thus far and was expecting it to be payed by XX/XX/XXXX but you have now closed my account just before the pay day!
I want my money returned to me. The bank employees would not help me find out what happened to it. The only thing that could have happened is they stole it. I have been totally abused by the bank and their workers. Everyone just kept saying they did not know what happened. I was even told to forget getting any money back because the president forgave the bank its wrong doing. Help me please it put me into extreme poverty and l ca n't get back my living in a well status. I am XXXX legally XXXX have no car and need my money back.
I recently paid off my loan to Navient, and 2-days after the fact, noticed that I overpaid by {$.00}. I spoke w/ their customer service representative, who informed me that overpayments that amount to less than {$1.00} are generally written off. When asked to clarify, the representative, " XXXX, '' stated that essentially, Navient will keep that amount and will only refund if it 's {$1.00} or more. She asked if I wanted a refund of {$.00}, and I said, " Yes. '' XXXX had to check with her supervisor to approve the refund, but then told me to call back on XXXX XXXX, 2016 to escalate the issue to have a supervisor then refund me the {$.00}. When asked if I will get the interest on the {$.00}, they said, " No. '' I know that Sallie Mae/Navient would continue to add interest if I were {$.00} short, and if it took me more than 10-days to pay it, then I 'd certainly have to pay a larger amount. If they kept {$.00} of every over payment made to Navient, they stand to gain XXXX in a windfall. 

Needless to say, when I asked her why her supervisor could n't just process the refund now, she stated that it 's policy to wait until AFTER the billing cycle has passed. This all seems unfair and contradictory to the law and policy.
To whom it may concern : NAVIENT I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that 's it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently.
Received a letter in the mail from XXXX, XXXX XXXX XXXX offering a 65 % {$7400.00} settlement for a XXXX XXXX XXXXrom XXXX. On XXXX/XXXX/XXXX, I and my XXXX XXXX called and spoke with XXXX XXXX of XXXX and offered a settlement amount of {$2200.00} and she stated she would have to contact TD auto finance to get approval for that offer. My XXXX XXXX and I attempted to call TD auto finance directly to negotiate settlement with them ; spoke with XXXX XXXX and she stated that she could not negotiate settlements because the debt was under contract with XXXX and no one could speak with us concerning the account. By XXXX there was no follow up called to myself or my financial XXXX. XXXX was called on XXXX by my XXXX XXXX to follow up on the initial request and there has been no response from TD Auto Finance. My XXXX XXXX then proceeded to request for a XXXX cancellation of debt and she spoke with a supervisor, XXXX XXXX, and XXXX stated that she would let TD Auto Finance know of the request for the XXXX C and also try to follow up with a response for the initial settlement offer. XXXX was informed that I could pay the settlement offer of {$2200.00} immediately but has not received permission from TD Auto Finance to accept the payment. I called today on XXXX to follow up and stilXXXX XXXX has not heard back from TD Auto Finance. XXXX XXXXlso could not submit proof or documentation that a Right to Cure letter was sent to me, I did not know that I was able to negotiate any settlement before the XXXX was XXXX. I or my XXXX XXXX have contacted the collection agency XXXX on 3 different occasions to settle the debt but have been unsuccessful due to no response from TD Auto Finance.
My name is XXXX XXXX and I co-signed my daughter 's - XXXX XXXX student loan with XXXX. The servicer is AES. The account is XXXX XXXX XXXX. The current balance is about {$24000.00}. After XXXX made perfect payments for 48 months, we requested from AES in XX/XX/2016 that I be removed as a co-signer. As of today, the payments have been automatic and on time for nearly 60 months. We have received conflicting information from AES Customer Reps, submitted the same documents four ( 4 ) times including those with return receipt requested, were lied to by AES that they did not receive the requests for co-signer release ( later saying that they did receive ), were told that decision is up to XXXX, when we called XXXX they say that decision is up to AES. Each Customer Service Rep has a different story about what was sent, what was received, and whose responsibility it is to provide me with a co-signer release. I have not been denied a release. I have been prevented by AES from being considered. The process is not transparent, the Customer Reps each say something different, promises are made which are not kept. At best I suspect AES of being badly managed. At worst, I suspect a fraudulent attempt to keep me from obtaining a co-signer release. Please look at this matter.