WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX and XXXX both have me as having a home loan taken out in XXXX 2015 and i do not have a home loan. I am unable to get my credit reports or scores. It shows i have a student loan and auto loan and credit cards that i did not open. I want. Any and all forms and steps i need to take mailed to me. I want all three credit agencys to mail me my credit reports as well. I want my credit report to reflect i am a victim of identity theft
My husband and I have been having issues with our Best Buy Credit card backed by Citi bank. We have had late fees we have been trying to take care of for some time. My husband contacting Citi bank and was to be resolved per their representative. This was not the case we have received a statement in XXXX and again for XXXX with late payments. We expressed to the representative that we were paying the agreed fee and this would be done through our bank account. This conversation took place on XXXX and payment confirmation was noted from our bank on XXXX at XXXX EST. We confirmed that since it was our bank and processing would not be an issue. The representative assured us it would not be an issue. Clearly she was wrong! We have tried to contact customer service with no success ; we continue to get the run around and treated very poorly by customer service reps. We continue to state our case and what the information their employee provided us and they are not holding up thie end of the bargin and are deceptive with theie business practice. We have attempted to escalate our issues and Citi was to contact us within XXXX hr and did not. We are at our wits end and if this can happen to us how many other people is this happening to. It seems this company does not honor their word nor back what there employees state. We have asked them to review the recording and they refer us to another person. No one seemed willing to help, just worried reading a script! Hopefull you can expedite this concern and help us and any other consumers that are going through this concern. 

Out approximate loss is around XXXX. Since we have been dealing with this for sometime. Since XXXX we paid XXXX and now charged XXXX on tope of this and now they say we paid our bill incorrectly even though we verified with the representative in XXXX.
I contacted Experian on line re : a turn down on a small loan thru my credit union. I was asked to pay {$1.00} for my report on line. 
I then received an XXXX withdrawal from my bank account for {$21.00} for their credit monitoring service that I never requested. I called the XXXX # on my bank statement and she kept referring to my membership of credit monitoring. WHAT? I told her to undue the unauthorized withdrawal. 
She said she would and the withdrawal processed any way. 
Experian has created a mousetrap with their ambiguous site. 
Please investigate these unscrupulous deceitful practices. 
Thank you for your help. 
Sincerely, XXXX XXXX
I am XXXX military and as such receive 100 % coverage of all medical and am void of any financial liability. I 'm protected by my federal military enlistment contract and the Soldiers and Sailors Act. I asked if they accepted tricare - they said yes. I told them that I would not approve any treatment not covered under my insurance. I was told it would be no problem. This is an issue that needs resolved between the medical biller and my insurance company. Whatever that end is, I should not be considered a responsible party.
I have never applied for credit with TD bank / XXXX. 
I have advised the company that several cards were applied for around this time so my information was compromised. But they haev refused to fix the matter stating that no credit was issued. The inquire was a hard nit to my credit and is affecting my credit because of it. They have become non responsive.
XXXX XXXX, CEO of Apple Law Group, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Tel XXXX together with his employees has advised me several years back that upon payment to his company as a debt consolidation, my creditors will be paid back and settled. The program included direct withdrawals from my bank every month and on XX/XX/XXXX the program was paid in full to his company. To-date, my creditors were not paid by Apple Law Group Inc. I called XXXX 's office numerous times. His representatives have disconnected their phone numbers provided earlier at sign up. I was once told by phone that after XX/XX/XXXX it takes six months to settle and pay the creditors. It is XX/XX/XXXX and nobody at Apple Law Group Inc has paid my creditors or responded to me in writing or by email or verbally of the contractual obligation agreed and notarized in New York. This is a theft of money and non-performance of his company 's operation as agreed in writing. I demand an immediate settlement to my creditors by Apple Law Group Inc plus refund of all interest money collected by Apple Law Group Inc. The operation of Apple Law Group Inc is a scam and totally unreliable.
On XX/XX/XXXX I had {$900.00} in my USD Wallet on Coinbase.com I  made a purchase of XXXX BTC ( Bitcoin ), and was somehow charged a purchase AND a sell transaction. I never sold ANY bitcoin on the date in question, only purchased using funds that were already available in my USD Wallet. After informing Coinbase via a support ticket, I was informed a specialist would be assigned to look into the matter but have received no correspondence.
I opened a Citigold account with a promotion code " XXXX '' which promised that I would get XXXX AAdvantage points if I met some requirement. After I met the requirement, I sent a security message to Citibank to confirm I would get the new account bonus. Here is a copy of the Citibank customer service representative replied : XXXX From : XXXX XXXX XXXX Date : XX/XX/2016 Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Welcome to Citigold, my name is XXXX. I would like to thank you for choosing Citibank as your banking institution. We sincerely appreciate the opportunity to serve you. 

I am happy to confirm you satisfied the requirements for our promotion code XXXX to earn the bonus XXXX AAdvantage miles. The bonus miles will be credited to your AAdvantage account within 90 days from the end of the statement period in which you complete all offer requirements. 

Since you completed the {$1000.00} debit card purchase amount on XXXX/XXXX/2016 and processed at least one bill payment for two consecutive months on XXXX/XXXX/2016 and XXXX/XXXX/2016, then your 90days will begin at the end of this statement cycle, which will be on XXXX/XXXX/2016. 

Please keep in mind the 90days will end on XXXX/XXXX/2016 ; Citibank will then forward the miles to XXXX XXXX to credit your AAdvantage account. This processing can take an additional 7-10 business days for the miles to reflect in the account. For this reason you may expect to receive the miles during your XXXX statement cycle. 

All clients must wait the 90day period and processing time to receive the promotion incentive ; we are unable to expedite. Additionally, at the time the bonus miles are to be credited to your AAdvantage account, your credit card account and your checking account must all be open and in good standing. 

XXXX XXXX, I am confident that this information will be helpful for you. 

I invite you to share your opinions about the service you received from me XXXX XXXX. Please click the link below to take a short survey on your contact experience. You will need the reference number ILTNTVYS to complete your feedback. 

Send Your Opinions Thank you for choosing Citigold. If there is anything else we can do for you, please contact us online with Live Chat, by sending a message, or calling Citigold Services at XXXX. Internationally, you can call us collect at XXXX. TDD/TTY Service is available at ( XXXX ) XXXX. We are available to assist you 24 hours a day, 7 days a week. 

Sincerely, XXXX XXXX Citigold Customer Service XXXX A few days ago I contact Citibank again to confirm the bonus, but this time they said I am not eligible for the promotion because I was not targeted. 

To be honest I open this account because of the promotion. If the I am not eligible for it, I think they should tell me when I was opening the account. It is like buying something online with a coupon code, if the code is not working, the customer should be notified immediately. And I also got confirmation from XXXX XXXX XXXX claimed that I will get the promotion, but now they refused to keep their promise. This is very disappointing and unacceptable.
On XX/XX/2018, my student loan service provider ( XXXX f/k/a XXXX XXXX XXXX ) for the past 10+ years, transferred my loan to a new service provider ( Nelnet ) without my permission ; and the interest rate is wrong.

I have placed numerous calls and have sent numerous emails to both Nelnet and XXXX to rectify the problem, to no avail. In fact, XXXX placed a call to Nelnet explaining that lender incentives of 1.375 % interest rate reduction ( see attached ) was supposed to be applied against the 8 % Nelnet is reflecting ( to properly state my rate at 6.625 % ). Despite all my communication efforts, Nelnet has not corrected their error.
Consumer Finance Complaint On XXXX XXXX, XXXX my husband, my brother and I closed escrow on a home purchase. The initial loan had all of our names on it but when it sold the new lender dropped my brother 's name from the loan. It was n't until XXXX XXXX when he ran his credit did he notice the home loan was not on his report. I started the first of many unsuccessful attempts to reach someone from Nationstar Mortgage who could help in XXXX XXXX. 
The first experience was speaking with a customer service rep who noted my concern and said I 'd have a written response in two weeks. The response I received was a letter explaining our loan was not assumable. 
The second experience was with a representative contacting me from Nationstar 's social media department after I gave them a bad rating. XXXX XXXX asked me to send the original settlement statement, which I did. He was going to forward it to another department and I never heard another thing, neither did he respond to my follow up inquiry in XXXX XXXX.
{$660.00} -  XXXX / XXXX / 2015  {$210.00} =  XXXX / XXXX / 2015   Wells Fargo " s et-off '' amounts for student loan payment although I 'd been in contact with them regarding my financial hardship (  XXXX  and unemployed ) at the time. Meanwhile, I was still responsible for managing my  XXXX  mother 's finances. Someone repayed my mother on a personal loan, I deposited the money into my account and then transferred it into her account.  Wells Fargo the n saw the transaction for deposit and set off both accounts, interfering with transactions with her Social Security  XXXX  payment. While I tried countless times to resolve the issue , Wells Fargo says that they had the right to set off both accounts, although my mother was not a cosign er on the loan.
XXXX XXXX is claiming I owe them {$500.00}. I have asked for verification of the debt for months. XXXX has never verified the debt ( what it is for with receipts and proof I owe it ). XXXX hired Transworld SYstems Inc., a collection agency, to attempt to collect this unverified and baseless debt. I have a perfect credit score and I never have debt owing. This is defamation of character and harassment.
Sun Trust closed my business account ( XXXX XXXX XXXX XXXX XXXX ) due to fraud. Never told me what the fraud was. There was no fraud and they have not given me my money back. I am a small business and am having a hard time staying in business. They owe me approx {$4700.00} and its been over a month. I want my money & Compensation for my loss of Income. A/c # XXXX. 
XXXX XXXX, XXXX
We hired a company called XXXX XXXX to repair our credit. We stopped with that company in late XX/XX/XXXX or early XX/XX/XXXX. I called equifax in early XXXX and told them that I am not disputing anything on the credit report and they said they would remove it. They have not removed it. I kept calling and calling repeatedly todayXX/XX/XXXX to their XXXX number and pushed the option to speak to a representative about personal credit info. Every single time it transfers me and then rings busy. When our mortgage broker pulls our credit report it still shows and reinvestigation in progress. This is inaccurate info. They told me when I talked to them they would remove it. The lender will not close the loan until they get a report that does n't show anything being disputed. I have personally talked to the creditors in which the report shows a dispute with and they have sent me documentation showing that nothing is being disputed but the lender has to see it on the credit report. The fact that equifax is not answering is deeply frustrating. I ca n't get a hold of them and need the disputes with XXXX off my credit report Sincerely Frustrated
A Credit Collection agency report that I have co signed on loan for XXXX I 've been disputing these charges and filed a police report. The reporting agency only states the debtor stated my name, address and SS # is correct and they consider that enough information to verify it 's my account. They have no documents showing I co- signed for any loan or anything. Just a call verifying my information. I 've had a fraud alert on my account to prevent this fraud and Eqifax continue to allow this false information on my credit.
Eastern Revenue Inc XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX Alleged Debt Owed : {$54.00} Original Creditor : XXXX XXXX XXXX
My credit card account at American Express was closed over a year ago. In error I made two electronic payments through my online XXXX banking account on XX/XX/XXXX in the amount of {$1000.00} and one on XX/XX/XXXX in the amount of {$2000.00} both of which were cashed by American Express ( Please refer to copies of bank statements ) which have not been returned to me. I have spent over eight hours with several different American Express account managers, none of which will help me to recover my money. The last supervisor I spoke with told me that they could not help me as my account had been closed and that I needed to contact XXXX card to open in investigation. I told him XXXX card had nothing to do with the money and that American Express is the responsible party. He ended the conversation with a sarcastic " Good luck to you. '' XXXX also opened a dispute, however American Express refused to speak with a Third Party. Another supervisor I spoke with on XX/XX/XXXX XXXX # XXXX indicated that this problem occurred previously with XXXX cards and XXXX and customer funds not being returned or applied appropriately.
XXXX XXXX XXXX XXXX Weltmem Weinberg & reis filed a lawsuit against me for a debt that was open by someone in XXXX/XXXX/XXXX when i was only XXXX years old. Also I have a Bankruptcy that the Plaintiff has admit. they were aware of that was filed in XXXX and discharge in XXXX they never notify by mail or phone call also\ they got a default judgment against me in stated garnishing my bank account.
Dear Sir or Madam, I am currently serving in the XXXX XXXX. However, before joining the XXXX I accumulated XXXX debt in my student loan. I tried to work things out with Navient, but they could not help me at all. My pay check is XXXX, and the payment that I make to them is XXXX. I am struggling to break even every month. Also, I tried to enroll in the federal student loan forgiveness, they said that my private loan does not qualified to that program. I want to know that if that is true or they are just lies. 

Respectfully, XXXX XXXX XXXX XXXX, XXXX
This is a follow-up to a prior complaint I filed with the CFPB - complaint #  XXXX . I filed that complaint on  XXXX   XXXX ,  XXXX .     In brief, I am th e administrator of t he estate of my late mother,  XXXX   XXXX . She took out a reverse mortgage in  XXXX  with Reverse Mortgage Solutions , Inc .     My mother passed away in  XXXX   XXXX , and I was name d administrator lat er in the year.     In  XXXX   XXXX , the estate paid off the reverse mortgage, and paid more than was actually owed because  Reverse  Mortgage Solutions di d not give us a final payoff statement until foreclosure was imminent ; given this, to avoid foreclosure, the estate purposefully paid more than we had been told  may  be owed. This worked ; the estate paid the loan in full ( and then some ), no foreclosure occurred, and I have received the cancellation of the security deed.     After the loan was paid, I contacted Reverse Mortgage Solutions several times, asking both for reimbursement of the overpayment amount and for an itemized explanation of some late-appearing charges on the eventual final payoff statement. The company ignored these requests, so I filed the  XXXX   XXXX  complaint.     On  XXXX   XXXX ,  XXXX ,  Reverse Mortgage Solutions  replied to that complaint, and separately sent me ( as  administrator f or my later mother 's estate  )  a check for {$6300.00}, which apparently is intended to cover the amount the estate overpaid to pay off the loan ( which was {$2400.00}  )  as well as the apparently changed calculation of costs and fees the company claims were owed.     But I have several remaining questions.     The company 's response now itemizes the costs allegedly incurred for 'corporate advances ' and 'outstanding fees and costs '. Initially, these charges are very different than those shown on the  XXXX   XXXX  payoff statement, yet are offered as dispositive now without any explanation for the changes.     Beyond this, the biggest line item under 'corporate advances ' is a charge for {$1700.00}, purportedly for taxes paid by RMS on behalf of the property owned now by the estate. Although the itemization does not specify what taxes were supposedly paid in this amount by  RMS  for the estate, it is the exact amount billed by  XXXX   XXXX , Georgia in  XXXX  for property taxes owed on the property, so presumably represents that amount.     But the estate paid that bill. See the attached check, showing a payment in that exact amount by the estate to  XXXX   XXXX  on  XXXX   XXXX ,  XXXX .     Thus,  RMS d id not pay that bill for the estate, and can not seek reimbursement for it from the estate.   RMS  owes that {$1700.00} to the estate.
Once RMS responds to this point, I can address the other questions. Thank you again for your assistanc  e in resolving this matter.      XXXX   XXXX
My husband and I own a six unit property in XXXX Florida which we pay M & T Mortgage the mortgage payments. On XX/XX/XXXX we called M & T Mortgage to inquire/request about what M & T website calls a ( Construction Financing ) loan but was told by an M & T representative ( XXXX I believe the name ) that we would have to go inside the branch to apply. I stated that you do not have an M & T branch in XXXX Florida to physically walk in to. She stated Oh thats right, so you can not apply for a property financing loan. It is clear that they are using the excuse that if you can not physically walk in a branch, you do not get the option to apply for any type loan. I stated to the M & T representative that we have been ( and still ) paying a mortgage to M & T for approximately ( 12 ) years and stated to her that the M & T website offered different types of commercial financing loans to M & T property owners, etc. The below Financing Option is what we were trying to request. As stated on M & T website : https : //www.mtb.comXXXX Our Portfolio of Real Estate Financing Options Due to our outstanding credit culture, M & T has achieved a reputation of excellence for providing quality products and superior service. We can work together with you to find the financing option that fits your needs. The Number given on website ( XXXX ) Construction Financing Apply for financing with new construction or the renovation of your investment or  business property. <P/>Within that same conversation she told us that ( XXXX was the mortgage company ) and [ M & T ] is just the Servicing Company so they could not assist us with Construction Financing from their M & T Commercial Property website anyway. So we told her we will call the XXXX XXXX. On the call with the XXXX XXXX ( we spoke with a male employee ) and explain to him what M & T stated, that to call them because they are our mortgage company. The XXXX XXXX told us that they were just servicers to us also and that the servicing ended in XX/XX/XXXX. And stated that M & T Mortgage became our Mortgage Servicers at that time. To add, M & T mortgage and XXXX have been interchangeably, over the years, calling themselves ( in a back and forth way ) our servicers whenever it appeared to be convenient for one or the other. This is the answer my husband and I would get when asked who owns the loan. So we would like to know ( 1 ) Why M & T denies being the servicer/company of the loan when it states it on their mortgage statement in XX/XX/XXXX ( mortgage transfer statement ). ( 2 ) Who owns the loan that we have been and still currently paying, which has been M & T Mortgage for approximately the last ( 12 ) years. ( 3 ) And is it against banking laws for M & T to place financing information on their website for their mortgage holders, etc. and deny those mortgage holders options for financing loan ( s ) because a physical branch is not in your city or other nearby city. Note : I do have a letter stating that XXXX ended servicing our loan in XX/XX/XXXX. And M & T granting it. M & T Mortgage General Customer Service XXXX Attachments M & T and XXXX XXXX statement copies
We are a corporation located in the XXXX XXXX of Virginia. Our corporation is XXXX, XXXX. 
We received a collection notice from the law firm of Linebarger , Goggan , Blair & Sampson, LLP. The collection stems from a red light camera ticket, which we never received notification of, that allegedly occurred over ( 2 ) years ago in XX/XX/2016. 
Upon initial contact with the stated law firm, we were advised that no proof or copy of the ticket could be provided to us and that WE COULD NOT contact the clerk of the court in the county in which the ticket was issued, and even if we did, the clerk would not speak with us. We were further advised that no other options were available and we had to deal solely and directly with the stated law firm. When we requested the citation or case number, we were given an incorrect case number. 
Upon secondary contact with the stated law firm, a supervisor name " XXXX XXXX '', advised us that the clerk of court of the county in which the ticket was issued had instructed the stated law firm not to negotiate or settle any tickets for less than the demanded amount. 
After contacting the clerk 's Office of XXXX County Court, we were advised that the information that the stated law firm had given us was false. The clerk stated that we could talk to them about the traffic citation at any time. The clerk further stated that they had not in fact prohibited the stated law firm from negotiating the fees they themselves had added to the citation for cost of collection. The clerk continued to advise us that we in fact had recourse with the court and could ask for the ticket amount to be reduced. Even more, the clerk stated that we could pay the clerks office directly and did not have to deal with the stated law firm as instructed. 
We assert that the above interaction with a debt collector is a blatant violation of the fair debt collection act to the extent that the stated law firm continually lied and provided disinformation to us regarding the alleged debt solely as a tactical means employed to increase the odds of collecting the alleged debt.
I have a medical collection that i have settled and paid that is showing up on my credit report as unpaid. I have tried contacting the company to get it removed but it remains. Please help
I have been fighting with EQUIFAX for quite sometime in regaurds to several fraud accounts that were once removed but have since been re-reported. I have sent in police reports aswell as valid notarized ID THEFT AFFDIVT AND FTC complaints and SUPPORTTING DOCUMENTS proving my ID THEFT and fraud. Equifax will not remove and are block anything even though they did in the past. updated documents have been sent in!!!