WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX we have an outstanding balance of {$3000.00} interest free credit line loan with Citibank. Free interest expires on XX/XX/XXXX for this remaining {$3000.00} balance. On XX/XX/XXXX we accepted another CitiBank interest free offer loan of {$5000.00} on the same account. I wrote down the important details of this transaction over the phone. {$3000.00} was added to the {$5000.00} making a total of {$8200.00} OUTSTANDING loan INTEREST FREE payable effective XX/XX/XXXX up to XX/XX/XXXX For XX/XX/XXXX we paid {$45.00} minimum payment, for XX/XX/XXXX we paid {$750.00}, for XX/XX/XXXX we paid {$500.00} -- All interest free as contracted. 
Then for this coming XX/XX/XXXX scheduled payment, Citibank charged us {$25.00} interest alleging that the free interest outstanding balance of {$3000.00} had expired on XX/XX/XXXX. This was not our understanding ; our understanding of the agreement as discussed over the phone was that the balance of the old loan had become part of the interest free outstanding loan of {$8200.00} payable effective XX/XX/XXXX. It was not disclosed to us that the old loan of {$3000.00} free interest feature continues only up to XX/XX/XXXX and that after XX/XX/XXXX we will be charged of interest. There was a fraudulent intention to trap us into paying interest. Because of this entrapment, I declared to Citibank Supervisor that we are not paying this fraudulent interest charge and be part of Citibank conspiracy to defraud consumers. 
The previous Citibank Supervisor offered some kind of solution that he would forego the interest charge if we pay the balance of the first interest free loan. Today I called Citibank and spoke to another responding Supervisor named XXXX that we are paying the remaining balance of the first interest free loan as suggested by the previous Supervisor. Supervisor XXXX declined telling us there was no such offer of adjustment by the previous Supervisor. This rude Supervisor XXXX did not know that we recorded what transpired which exposes him as a liar. He claimed he is the authority representing Citibank when I asked to speak to his superior. If this is so, Citibank then is determined to scalp consumers for even a miserable amount of interest of as little as $ XXXX/mo but probably amounts to $ millions/mo for thousands of consumers it dopes like me and my wife. 
The solution I want which is fair is we will pay all the outstanding balance of the old loan which Supervisor XXXX claimed still exists immediately provided that we are not charged of the fraudulent interest that was not disclosed to us when we consolidated the XXXX loans into an interest free single obligation. The non-disclosure was a violation of the disclosure law. The other reason why we do not want to pay this fraudulent interest is that we do not want to be a willing participant to Citibank 's conspiracy to defraud innocent consumers like us. 
I want this published so that the innocent public maybe warned not to conduct business with Citibank and become victims of this well hidden interest scam. XXXX XXXX. E-mail address : XXXX. XXXX XXXX, 2016 -- XXXX XXXX XXXX time, California.
I am a victim of identity theft. I recently learned that my information was used to open an account with Care Credit. I did not authorize or open account. I had previous account with Care Credit, it was paid and closed in XX/XX/XXXX. I was made aware of unauthorized account when I received bill in the mail for {$4600.00}. The charges were for XXXX XXXX provided for a XXXX XXXX XXXX. I have no knowledge of this person. I called Care Creit onXX/XX/XXXX I spoke with XXXX, and was advised that he would close account and I would receive. Fraud package in the mail. On XX/XX/XXXX I made a second call to Care Credit. I spoke with XXXX in the fraud Department. She confirmed that the account was closed HOWEVER It was NEVER referred to fraud department. I am still waiting for that package. I have filed. Police a Report with XXXX XXXX XXXX. I made a third phone call to Care Credit onXX/XX/XXXX and spoke with a XXXX, still no package .I did receive a letter from Synchrony Bank stating they had closed my J C Penney account. I  closed this account inXX/XX/XXXX. My credit report also shows the account as closed. Synchrony Bank is provider for Care Credit as well. I feel that they are giving me the run around. I ask for a fax number for the Fraud Department, and was told there is no number. I do not want this on my credit and I did not wish to pay for charges I did not authorize.
I have been receiving documents from XXXX/Capital One Credit Services addressed to someone who does not live at this address and who I have never even heard of and is not related to me in any way whatsoever. I have called and written to XXXX/Capital One and told them this, and also told them to contact the person and get their correct information, but they keep sending me his or her bills, etc. I do not have any accounts with them, so it 's not like this is a mix-up. Someone entered some information incorrectly on their end, or there 's some fraud going on. I do not want this person 's information to end up on my credit report somehow because it 's getting sent to my address by mistake. The person listed on the correspondence is " XXXX XXXX ''.
Our application for refinancing was submitted XX/XX/XXXX By XXXX XXXX ID : XXXX at the XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. This application was complete and accepted. 

Also as per the copy of the letter you claimed to have sent on XX/XX/XXXX reportedly informing the servicing of our loan being transferred to XXXX XXXX XXXX XXXX All these letters were sent to wrong addresses purposefully or ortherwise. Please attached. 

We state the same for all your correspondence. 

Per section 6 of RESPA if you send a qualified written request, as a consumer I should have received acknowledgement and written correspondence regarding my request. We feel that the requirements of RESPA were not met. As such our rights have been violated.
i took a loan out from XXXX. i became unemployed we agreed to make XXXX installments bi-weekly. they than came back and offered me a XXXX installment with deferred until XXXX/XXXX/2015. i agreed but could not open the file to e-sign. i sent an email agreeing to the terms. and they took my XXXX but loan.me said because i did not sign they were going to take another XXXX out of my checking account. i ran down to the bank closed my accounts and reopened. this was a verbal agreement which was followed up by an email agreement. this agreement became binding at the point they took my 300.00 dollars. 

they constantly call me even after i have asked them not to. 

XXXX XXXX
This was opened XX/XX/2017. I didn't not get this loan in person or online. Two individuals that are XXXX distributors were going door to door selling vacuums in our neighborhood which is government housing. ( We were not aware until after purchase that they are not allowed to be doing so ) They called this company where we have the loan, Preferred Credit. Me and my husband do not feel as if we should pay them anymore due to the distributors going about this illegally. If they refused to close account and take off of our credit report we will have to get my husband 's command involved and JAG ( military legal team ) We attempted to go in person and return item but the address given took us to an abandoned building. They're are several complaints in our neighborhood about preferred credit and these distributors as they are basically teaming up and getting over on military spouses
Hello there, I XXXX XXXX am filing a complaint against a debt collector. I have attached supporting documents. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that I owed XXXX XXXX XXXX {$6000.00}. I then called, got the runaround was treated rudely and hung up on I disputed the charge and was told that I still owe the debt however, I could send in any documentation supporting my dispute. I also went in to the apartment complex to let them know that I have been formally signed off of this lease since XX/XX/XXXX, for two years they said they had no records they were recently under new management they weren't sure who I could contact at that point. I sent my lease modification to XXXX XXXX XXXX  showing that I was taken off of the lease on XX/XX/XXXX, along with a demand to see proof of the debt ( Copy of letter is attached ). 
I now have some health issues and need a loan to take care of XXXX I was denied. I checked my credit and the debt is still there. I called XXXX XXXX XXXX on XX/XX/XXXX they stated they transferred my debt to another credit company Brett Borland law. 
I then called Brett and Borand Law on XX/XX/XXXX. I explained to them my issues, they were very rude as well. 
I ask if they could point me in the direction of who to call or what management companies name filed this complaint, he told me call XXXX XXXX, I had try to explain they sold the company to someone new and is under new management and if they could please help with some point of contact he said to call XXXX properties. I did call XXXX they said they had purchased the apartments in XXXX, so they do not have any documentation and do not hold the debt. 
Brett and Borland then said I could send in documents that support my claim however, that I still owe the debt, because XXXX XXXX has not released me. I asked for documentation of the debt as well he said they had it however did not offer to send it to me. 
I'm contacting you and also, filing a dispute with the credit bureau, in hopes to get this resolved. In advance, I appreciate your time and taking my complaint on. I felt very lost and felt as if they were going to get away with filing a debt with me that wasn't mine and ruining my credit. I appreciate your help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co, XXXX XXXX XX/XX/XXXX
I have recently checked my credit report on XXXX XXXX, and saw that on the Experian report and address I have never lived at showed up. That address is in Pennsylvania, I have never even visited Pennsylvania. I that can be cleared that would great.
Citi mortgage said I was being transferred to XXXX effective XXXX/XXXX/2016 and as of XXXX XXXX, 2016 they was not accepting any further payments. I called XXXX and gave them the account /loan number which Citi mortgage provided. XXXX had no knowledge of me nor the loan/account I gave them. I contacted Citi Mortgage according to their records I was transferred. On XXXX XXXX, 2016 I was informed the transfer was RESCINDED and a letter was sent on XXXX XXXX, 2016. I have not received this letter. I want to know the reason why the transfer did not go through. No one at Citi Mortgage can tell me the reason why the TRANSFER was RESCINDED. As a consumer I have a right to know.
My name is  XXXX   XXXX  In   XXXX  , a series of events caused me to fall behind on my mortgage payments. I contacted my mortgage servicer (   XXXX   XXXX    ) to tal k about reinstatement. However, the lender and its agents denied me the right to reinstate my mortgage because they grossly inflated the reinstatement amount by $  XXXX  which effectively denied me the right to seek all loss mitigation options and forced me into a wrongful foreclosure. The actions by the lender and its servicing agents are at the minimum grossly negligent or at worse fraudulent. I wa s only two months beh ind in my payments which combined was less than {$5000.00}, but instead of sending a notice that I could reinstate the arrears for the actual amount of arrears, they sent me threatening letters that I had to pay {$65000.00}! Please help me and my family.     Recently, the servicing of my mortgage has been transferred from  XXXX   XXXX   XXXX   to  Shellpoint Mortgag e.
Medical Breach of records and filed Ftc dispute and they Velocity Investment never contacted me and they are the third company trying this debt and they just send a lawyers letter threating a lawsuit
I rented a car and paid with my credit card. Merchant lied to my face at the desk, saying a certain insurance was required by Nevada law and would not allow me to rent car without purchasing. After it became apparent that was a lie, merchant ( and Citi ) say I signed the paperwork so any prior fraud is not relevant. I disagree, as fraud is not a contractual remedy and the contact is in fact invalid if induced by fraud. Citi refuses to even engage on this premise and just keeps sending me the same stock letter with a scan of the rental agreement ignoring the entire premise of my dispute.

In one letter, Citi even endorses the bad behavior of the merchant and says " discerning the merchant 's integrity '' is my problem and not something they deal with. I disagree - one of the main premises of a credit card is that you are protected from fraud and improper behavior of the merchant. It is gross that Citi endorses this behavior to such an extent that they even refuse to get a response from the merchant that is applicable to the dispute.
I was contacted by XXXX XXXX with National Credit Systems in XX/XX/XXXXto collect debt from a previous landlord ( XXXX XXXX  ). I explained that this debt was not owed and I was not informed of this prior to her phone call which was 3 months after I moved out. I explained that I wanted to dispute it. 

A letter was sent to my Mother in Law 's home in XX/XX/XXXXstating my dispute was denied for insufficient documentation. 
When I called to speak with XXXX she was aggressive, uninformative, and hung up on me when I asked questions. 
I asked simple questions such as who would I be paying? And was told her client is disclosed. I am not able to obtain the owner 's information. 
I asked her how the process works and she got defensive and asked if I am going to pay or not? And would not give me any information about her company and their process. 
XXXX was the rudest person I have ever encountered. She had no intentions on assisting me with resolving this issue. 
The only thing I gathered is that I can not dispute the charges with ANYONE because she will not give me the owner 's information and she is not willing to discuss my dispute. 

I read reviews calling this company a scam and I fully believe it. My credit score is severely damaged and I am unable to resolve this debt.
XX/XX/2019 XXXX payment made. Missing from account. Bank has not refunded {$2000.00} that was meant for loan care. The executive resolution department XXXX and XXXX were very disrespectful and deceiving as the information given. XXXX stated money is no where that they can trace but, back office still needs to credit. I apparently need to watch my mouth when it comes to money because, money laundering is only an accusation. They dont know where the money is so ... how can that not be a true statement? An illegal activity money was taken and never returned by USAA with use of deceitful associates and accounting to continue to not know what happened and XXXX has it but, XXXX wouldnt charge an NSF on my USAA account thats how I know USAA has my money and using every tactic possible to steal my money.
I realized I was a victim of identity theft when I received notification on my credit report that HSBC pulled my personal credit in XX/XX/2018. Then it began reporting a 'new ' credit card with HSBC XXXX I did not contact HSBC to open up this account. While doing research and calling HSBC I found out that the perpetrator not only called to apply for this card with my personal information but that he also went to the post office and changed my address to his personal address in order to receive my mail at his residence. I don't know this perpetrator is, and have placed a fraud alert on my credit reports. I also went to my local police department and I filed a id theft police report.
I am a XXXX yr old, 3rd generation homeowner who is having her home stolen by fraudulent and wrongful foreclosure and have the paperwork to prove it if someone could please help amicus curie before my home is taken for good. These documents clearly show that Loancare, its attorneys XXXX XXXX XXXX, XXXX, XXXX XXXX, and Selene Finance, are all involved in some manner in this fraud. XXXX and XXXX XXXX XXXX are caught by the lies that they have created. Attached is the real servicing letter I received on XX/XX/XXXX from XXXX to XXXX. The fabricated document created by XXXX ( dated XX/XX/XXXX ) is a lie that appeared on XX/XX/XXXX and exposes the fraud. This letter appeared on XX/XX/XXXX after XXXX fraudulently obtained standing and summary judgement. It appeared with the change of XXXX to Selene and was created for the sole purpose of backing XXXX 's Lie that they had the original note XX/XX/XXXX. But their lie backfired and exposed them because a genuine true servicing letter would have been from XXXX to XXXX certified with a stamp from the U.S. Postal Service on that date of XX/XX/XXXX. This shows that XXXX and its attorneys lied about their backdated assignment, their fake copy of a Note ( that was never attached to the complaint and didn't appear until XX/XX/XXXX ) The new evidence I have presented to the trial court of the fabricated letter I received XX/XX/XXXX along with the XX/XX/XXXX recorded transcript of my conversation with XXXX ( the real and missing servicer ) stating that XXXX XXXX was the investor not XXXX should allow the courts to prevent my home from being fraudulently foreclosed upon.
I had a wellsfargo bank account and had a credit card with them. Then my debit card got stolen and they started doing fraudulent stuff in my account and Wells Fargo chose to close my accounts. It was closed on XX/XX/2016.
In XX/XX/XXXX, I filed bankruptcy which included all of my private loans, credit cards, and past due bills. From that point in time, I have been financially responsible and have maintained a positive credit profile. Recently ( within the past XXXX months ), a company ( ERS ) has contacted me multiple times a day, contacted my wife, and family members that I have not seen in years. They have claimed that my debt is now due and that after XXXX years, it is still valid. I initially attempted to explain to them that my debts were addressed during the BK and those that were n't are current ; however they did not accept that and in XX/XX/XXXX, reopened a collection account without my knowledge, approval or written notice. I found this out today, when I pulled a credit report after seeing a denial of credit from a lender. I received no written notice of a revival of a debt that no one has contacted me about in a decade and as of yesterday ( XXXX calls alone in a XXXX hour window ) they have increased their call cadence.
1. They did n't work with me in getting an income-based repayment plan.
2. T  he interest keeps significantly rising. Here 's a history : Today -  XXXX   XX/XX/XXXX / XX/XX/XXXX  -  XXXX    XX/XX/XXXX / XX/XX/XXXX /  XX/XX/XXXX -  XXXX    XX/XX/XXXX  to  XX/XX/XXXX  -   XXXX    XX/XX/XXXX  to  XX/XX/XXXX  -   XXXX    XX/XX/XXXX  to  XX/XX/XXXX   -  XXXX    XX/XX/XXXX  to     XX/XX/XXXX   -  XXXX    XX/XX/XXXX   -  XXXX    XX/XX/XXXX   -  XXXX    XX/XX/XXXX  -   XXXX  +  XXXX    XX/XX/XXXX  to  XX/XX/XXXX   -  XXXX
Without any notice to me, Chase reinserted in a bill for the account period ending on XXXX XXXX a charge I incurred on XXXX XXXX and disputed ( acknowledged by Chase ) on XXXX XXXX. When I called today to inquire, I learned that Chase refuses to investigate or chargeback a XXXX dollars charge I incurred to retrieve my car from a XXXX company that had illegally booted it on a Saturday afternoon. ( I have signage pictures and other evidence of the illegality - note that I am not disputing the {$8.00} charge I paid to the parking lot on my Chase card for all day parking ). In talking to Chase representatives, they made various misstatements : 1 Chase has investigated and " the services were provided '' ; 2 Chase is a government regulated institution and can not dispute the 'merchant '' ; 3 Chase has no responsibility for the business practices of the " merchant '' if it is not the processor/acquirer for the acquirer XXXX even if the " merchant '' ( XXXX ) XXXX ( my hypothetical, but the equivalent of what happened ), I would be responsible for the charge if I handed over my card to the " merchant '' ( XXXX ) ; and 5 if I did n't call the police, the illegality of the charge does n't matter. 

Despite my good faith request that the tape of our conversation be preserved, Chase will destroy the tape according to its customary practices.
My name is XXXX XXXX. I have been a customer of BBVA for many years. I have a consumer complaint against BBVA based on the following : I had an annuity with XXXX XXXX at Compass Bank since XX/XX/XXXX. It was giving me 5 % interest. 
The initial investment was {$150000.00}. By XX/XX/XXXX it grew to {$160000.00}. The financial advisor at Compass bank encouraged me to transfer that money to a better investment and it would double in value. I had expressed to him that I wanted to leave this money to my grown children. He said you can " pass the wealth '' without worrying about them paying taxes after you die. The transaction had to be done before my XXXX birthday otherwise I would not qualify to get it. My birthday was two weeks away. I felt pressured but try to comply. He said XXXX XXXX XXXX XXXX was best for me. I believe he used to work for that company before coming to Compass. It took one day to do the transfer. After two weeks, I received my portfolio on XXXX XXXX XXXX XXXX. The financial advisor gave it to me and asked if I had any questions. I told him I had to take it home and read it before I could ask questions. The new insurance has a 13 day period to decline otherwise the insurance kicks in. I did n't have enough time to go over the insurance and come to talk to him because he gave me the insurance a few days before the expiration period. Now I find out the state allows a 30 day period to accept or decline. 

This year, I get the form from XXXX indicating I owe the IRS {$4000.00} in taxes based on this transaction. How can I owe the IRS money I never spent. The check from XXXX went to my checking account. The financial advisor took that money to open the new investment. I never signed any check from XXXX. In addition, I found out that the surrender charge from XXXX was over {$9000.00}. Had I known this information, I never would have done this transaction. I feel violated. I am a XXXX citizen who has worked very hard for every penny I have. My husband is suffering from XXXX. The financial advisor failed to disclose to me the product he pushed to sell me. I was never made aware of the surrender charge or that the transaction would be a taxable event subject to IRS liability. 

This is a very serious matter and want the bank to return that money to me because the financial advisor was sloppy, not able to disclose, explain or show interest in what he was doing, otherwise, this never would have happened. XXXX abuse occurs every day and it must be looked at and corrected.
The company has reported false and inaccurate information on my credit report. They have reported this information to   XXXX   and  XXXX  using different company names, different account balances, etc. I have contacted  XXXX  to request that they remove this false and inaccurate information and nothing has been done.
I am a victim of identify fraud and as such, I constantly get fraudulent attempts for new credit on my credit profile. Since I am instantly alerted on these, I immediately start a dispute as these inquiries as fraudulent. A short time later I got a response from XXXX/EquiFax with the results of their investigation concluding these were legitimate inquiries, and if I had any further questions, to contact the credit grantor. I have reached out to the credit grantors and advised them of these fraudulent attempts and they have advised me they have blocked it in their system and sent notification to the credit reporting agencies to have these inquiries removed, but several months later, they are still on there. I have now sent the letters from the credit grantors, indicating they have requested these inquiries to be removed from the various credit reporting agencies, to the credit reporting agencies again, but as of this complaint, the inquiries remain.