WillisBack/dataset-financial-user-claim huggingface dataset:
I was the XXXX  of a XXXX XXXX XXXX called XXXX XXXX XXXX. About 4-5 months ago Citi Bank sent a XXXX in the amount of {$1000.00} to my company. As you know all income of a XXXX XXXX XXXX goes to the individual owners.

The debt was a result of an unpaid XXXX  credit card obtained in the name of my company by one of my employees. THAT EMPLOYEE PERSONALLY GUARANTEED THE DEBT. Citi Bank has confirmed with me that they have no record of me authorizing said credit card or personally guaranteeing it. In fact, they have no record of me ever doing business with their bank, which is exactly correct. They have told me that payments were consistently made on this card until, at some time, they stopped with a remaining balance. They have no record of me or my company making said payments.

Citi Bank investigated this matter for fraud and said there was none. When I asked them to produce records that I authorized this credit card or that I had personally guaranteed it, they could not.

Citi Bank said they did not pursue the debt from the guarantor since the card was in a company name.

In effect Citi is claiming that regardless of who opens a credit card or guarantees it, if it is in a company name, the company owes it. This is ridiculous on its face.
Company Mohela calling as debt collector for a person I live with. I am not a co-signer on the said debt and not certain how my number got in their records. Today alone, I have received XXXX calls within 1 hour. XXXX calls the day before as well.
I applied and received a mortgage with PNC in XX/XX/2017. I was told I HAD to have an escrow account with PNC. My first concern about PNC occurred when I had issues with my house insurance. I had received letters from my insurance company that the insurance payment was due. First I paid the insurance and then I contacted PNC. PNC advised me PNC would sent the payment via regular US mail. The insurance company finally received PNC 's payment. Then the insurance company sent my payment back. I am used to making electronic payments before the due date. I believe PNC should do the same. To me this issue was scary. And it really annoyed me when PNC explained there was a 1 month grace period so I had nothing to worry about. 

My new issue occurred in XXXX and it is how PNC collects my escrow. PNC overcharged me {$1100.00} in escrow and sent me a check. In my opinion, PNC had an interest free loan. Then PNC is going to increase my escrow account. So I contacted PNC and requested that they apply the check to my escrow account which will lower my escrow payment. PNC said no. 

It bothers me that I had to pay my insurance and escrow PNC 's way. PNC 's business model makes gives them an interest free loan. To me there is no incentive to be fair to the mortgagee.
XX/17 -TransWorld Systems.  The company listed is NOT bonded in the state of Texas and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.
Hi, Transaction details : This claim is regarding the Transfer No. : XXXX XXXX XXXX XXXX from XXXX. The money transaction is made to a different bank than what was provided in recipient 's details. Transaction details are as below : Submitted : XX/XX/2018 XXXX PM PST Currency : INR Available : XX/XX/2018 XXXX AM PST, XX/XX/2018 XXXX PM IST Payment Method : XXXX XXXX XXXX, NA Acct. ending in XXXX Amount Sent : XXXX XXXX Fee : XXXX USD Total Amount Charged : {$2000.00} USD Net Recipient Amount : XXXX INR Exchange Rate : XXXX USD = XXXX INR Recipient Bank Details : The account number of Recipient was incorrect. But the IFSC code and Bank name were all entered correctly. Upon checking with recipient bank they mentioned that the money is transferred to a different bank. I am not sure how the IFSC code was ignored and the money was transferred to a different bank. 
Recipient 's Bank details are as below : Bank : XXXX XXXX  XXXX Info : XXXX, XXXX IFSC code : XXXX -- correct Claim Details : I logged a claim on " XX/XX/2018 '' which was 8 days after the transaction was complete. I was initially given the case number as " CaseId - XXXX '' but this case number no longer exists. Here is the new case reference number # XXXX & XXXX. 

The agent 's response has always been that " they are waiting for the partner bank to respond ''. Its been 9 days and the fact that XXXX was not able to establish any communication with the partner bank, scares me. I fear loosing my money. Please help and Advise.
I applied for a mortgage to purchase a new home. I offered to put 5 % down, and asked to increase the loan enough to include seller paid closing costs. Based on estimates provided from the mortgage company, I offered XXXX with up to {$8000.00} in seller paid closing costs. The lender sent me an initial TIL and explained that the closing costs would be less than expected, with an explanation that I could ask the seller to modify the purchase offer and decrease it by {$2000.00} to be {$300000.00}, or we could buy down our interest rate from 4.99 % to 3.875 % for a cost of {$1500.00}, as a way to use most of the seller credit. The seller did not want to amend the purchase offer, so I asked the lender to buy down the rate to 3.875 %. The lender did. 
Once we got close to closing, our loan officer went on vacation and her manager XXXX XXXX took over our loan process. We received closing statements showing that our rate at 3.875 %, but with the cost to buy down the rate significantly higher than {$1500.00} as originally agreed. It was explained to us that closing costs came out an additional {$2000.00} ( approximately ) lower than expected and they understood we wanted to use all of the seller credit, so they applied it to the rate buy down. Yet, the additional funds were not used to buy down the rate further. When I asked XXXX XXXX to use the funds to further buy down the rate, he refused claiming that I would need to pay multiple thousands of dollars in addition to the seller credits in order to reduce the rate to anything less than 3.875 %. I was already late for closing and at risk of losing the house as the seller would not agree to extend closing any further. So, I asked the lender to honor their original offer of buying down the rate to 3.875 % at a cost of {$1500.00}. The lender came close to that and the additional seller credit of approximately {$2000.00} was paid to the seller. Ultimately, I over paid for our home by roughly {$2000.00}. Fortunately, I am able to read and understand a TIL. Otherwise, the lender would have conveniently used all of the seller credit for the benefit of the lender, rather than the benefit of the borrower. My complaint is against XXXX XXXX with XXXX XXXX XXXX. I can provide the initial offer letter and initial TIL along with the final closing documents. Interim TIL were not provided to me in a paper format, but we're rather sent electronically through a cell phone app.
XXXX XXXX called several times from an unknown number and said he was going to come to my place of work or home to serve me court papers if I did n't call NCR,XXXX I called the number got no answer the next day a block number called me saying he was XXXX XXXX from NCR. I called the number back a lady answered but only said hello no company name or anything, she seemed nervous. XXXX XXXX got on the phone and said he was trying to collect XXXX for a debt. After talking with XXXX at NCR several times he said he had no idea who this XXXX XXXX XXXX XXXX is. The XXXX time I spoke XXXX XXXX explaining to him that I spoke with the debtor and they gave me the name of the of the collection agency and it was not XXXX or National Check Resolution. I asked XXXX XXXX who they purchased my account from and he kept insisting the original debtor. I told him no, that I already spoke with them and I was waiting on the Collection Agency who they gave my account to return my call. XXXX got angry and said I had till XXXX XXXX XXXX to get back to him or the courier service would serve me! I said you told me you have no idea who the are?? He the hung up on me!
ON OR ABOUT XX/XX/XXXX I TOOK MORTGAGE OUT WITH XXXX XXXX XXXX LOAN NO. XXXX AND IN THE PROCESS TRANSPOSED NUMBERS AND IN ERROR CREATED A NEW LOAN TO SELL TO XXXX, XXXX & XXXX XX/XX/XXXX. 
THE GOOD NOTE # XXXX AND BAD LOAN NO. XXXX BOTH ACCOUNTS APPEARED ON MY CREDIT REPORT AS DUPLICATE, AND DISPUTED THIS PROBLEN WITH ALL CREDIT BUREUS WITHOUT CORRECTION AND VERFIED VIA FURNISHERS TO BE CORRECT XXXX TIMES UNTIL S.O.L. EXPIRED ON XX/XX/XXXX AND FINALLY DROP OFF AND WHEN SOLD OR TRANSFERRED TO OCWEN LOAN SERVICING LOAN XXXX REPORTED AS DUPLICATE TRU THIS DAY.
this is concerning case number XXXX with CFPB which was the original complaint in XXXX 2014. This case was resolved with Regions agreeing to update the XXXX credit bureaus that the loan XXXX that I pay XXXX/mo on an agreed monthly basis and was not written off or have I ever been delinquent on a payment as was showing on my credit report. As of XXXX XXXX, XXXX and XXXX are still reporting this loan to be " charged off '' and delinquent. XXXX XXXX appears to be updated as this negative comment has been removed from their report.
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Dear XXXX : I am writing to dispute the following information in my credit report. These items I 'm disputing also are listed bellowed. As well I have attached copy of my credit report reporting so that you could see the account information individually. 

This item I 'm disputing are student loan that have appear on my credit and they are not mine. I have file several complain to CFPB each account sparely. In addition I had file several complain to XXXX directly and the respond was my entire Loan are paid in full there are no other loan from any of the other agency pending. The answer is the account is not there 's. What you are reporting is inaccurate or incomplete. I am requesting that the item be deleted and to correct the information. 

Enclosed are copies of enclosed documentation, such as Letters supporting my position. Please reinvestigate this these matters and ( delete or correct ) the disputed item ( s ) as soon as possible. I have attached copy of all the correspondence regarding this issued. 

( 1 ) A copy of my credit report on each account for XXXX ( 2 ) Letter from XXXX XXXX XXXX XXXX Discharge XXXX ( 3 ) Letter from XXXX XXXX/XXXX/XXXX XXXX XXXX Loan Discharge ( 4 ) Letter from XXXX XXXX/XXXX/XXXX XXXX XXXX Discharge ( 5 ) Letter from my Attorney in XXXX/XXXX/XXXX ( 6 ) Complain report from CFPB ( 7 ) Correspondence from XXXX XXXX XXXX ( 8 ) Correspondence from XXXX Unfortunately these institutions have not provided me with accurate information. In addition the XXXX took this entire loans with out my consent. They lied they said it was scholarship not needed to be repaid. 

What I do n't understand if I submitted all the documentation that was request of me for the XXXX on time in XXXX. Why I 'm dealing with this nightmare still 8 years letter. 

Furthermore XXXX was able to process my application plus report to the Credit Bureau that Loans were paid as agreed close. Why do the other agencies report I was XXXX default? Along with loans benign open send to collection and late. Why are they still open it should be close? In addition it has been 8 years seen this Loan were reported to the Credit Bureau. And how many centuries do they need to solve these problems. 

To solve the problem, I will appreciate your clarification and explanation on every single loan that appear on my credit report. My Understanding was that XXXX took XXXX loans and the XXXX Paid and clears this loan in XXXX. However on my credit Report it appears XXXX loans from different agencies. 

I have enclosed copies of all my records correspondence. 
At this point I 'm very confuse as to why all this offices within the XXXX are reporting inaccurate information. 

I look forward to your reply and resolution to my problems. Thank you for the opportunity to clarified this issued. 


XXXX XXXX
CRA - Inquries are not mine. No knowledge. 
XXXX XXXX XXXX, Capital One Bank, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX
NATIONSTAR MORTGAGE LLC DID NOT FULLY GOVERN THE MAKING HOMES AFFORDABLE APPLICATION PROVIDED BY THEIR COMPANY AND AS A RESOURCE FOR HOMEOWNERS EXPERIENCING FINANCIAL HARDSHIPS FOR FORECLOSURE PREVENTION. 
In XX/XX/2017, I spoke with a Loan Specialist at Nationstar Mortgage LLC and discussed the options of a modification for my rental property due to a hardship. The Specialist forwarded documents to me to complete per my request. Once I reviewed the documents I gathered all the data required per the application ( personal information, financial statements, hardship letter & etc. ) I submitted the details to the mortgage company immediately. A short time afterwards, the mortgage company replied notifying me that my modification had been rejected. Upon calling in my concerns, I was informed that my application was denied because the mortgage company was not honoring modification programs for rental properties because President Obama was no longer in office. In requesting the documentation for the Making Homes Affordable Program, the Loan Specialist never informed me of this important detail. MOST IMPORTANTLY the application that I received did not indicate a deadline for the program or if the program was obsolete because Obama 's term was over. During a conversation with another Nationstar Loan Specialist I tried to seek out other options for mortgage assistance but was assured that my choices had run out. 
Nationstar was careless in accommodating my mortgage needs which lead me closer to foreclosure on my property. Despite my hard efforts to keep my property, Nationstar did not properly handle my mortgage assistance request. Ultimately, I was given an ultimatum to pay the accumulated debt or lose my home and therefore was forced to seek immediate, individual personal help for the sake of my loan. 
Their lack of details and misguided communications has provided concerns for other areas of operations in the company. I feel that my personal information sent for a modification review is at jeopardy of being mishandled or improperly discarded as well. 
Nevertheless, a letter I received dated XX/XX/2017 in lieu of my modification request has indicated that Nationstar Mortgage LLC had failed to disclose the owner/guarantor/trustee of my mortgage loan while reviewing my modification request. This letter suggested that Because we ( Nationstar Mortgage ) did not include the owner/guarantor/trustee of my mortgage loan, we are expending your right to appeal non-approval for a modification and your opportunity to discuss loss mitigation options that may be available to you ( me ) to allow an additional 30 calendar days from the date of this notice. 
It appears that Nationstar has a poor habit for disclosing important details and properly communicating with their customers. Their ill-considered actions have caused me more stress than expected during this under addressed mortgage assistance process.
Hello, Someone named XXXX XXXX & XXXX XXXX, from a company called Atlantic Recovery Solutions has been calling me, my husband, my sons, and they even called my XXXX mother 's house and asked for her trying to collect a debt that I know nothing about. I have not received any documentation from them. I don't know who they represent. XXXX XXXX has even impersonated being an attorney. They have left several messages on my phone, my family 's and friend 's phones. They have told my family and friends that I owe them money and that their calls were an attempt to collect a debt. They've even repeated the last four digits of my SS # number to my husband and son. They've had a machine ( Robo ) call us too. The number that shows on my caller ID is XXXX but their actual number is XXXX. They are harassing us and I don't even know who they are. I have several dates and messages saved on my phone. I want them to stop calling us. My mother XXXX away a few years ago. We are still mourning her XXXX. To call her house and to ask for her, in an attempt to collect a debt that is not hers, is deplorable and they should not be giving anyone my SS #. These people are out of control.
XXXX of New York charged me for a service that was utterly fraudulent. They claimed to have to have done a XXXX, when in fact they did virtually nothing. The description of the procedure was absolutely false. Clearly they were trying to justify a large charge to my insurance company.
Back ih 2014 A bottled water company did not deliver water and I called and canceled their service. They kept billing me I set up all my accounts on auto pay. I called the company and they refunded to my credit card. One year later they started to bill me for the service I never received and for the money they returned.I called the credit collection company and noticed them of my dispute. Another year passed and yesterday the filled everything again with the credit bureaus. Calling the credit collection company again accomplished nothing
Supposedly a parking ticket is in collection with Transworld Systems, according to a recent credit report. This dates back to 2014. I have never been contacted, verbally or in writing, by Transworld Systems and only discovered his erroneous debt through a credit report. I have repeatedly called Transworld at numerous different numbers, can not reach a human being and have never received a return phone call. It is impossible to pay this bill as I can not talk to anyone what will tell me how, as I have never received a written communication on his debt or how to pay it, and as these factors make it impossible to pay. An endless maze
I would like to file a complaint against Penfed Credit Union. They are the most unethical and XXXX  company that i have ever dealt with. 
I decided to apply for a credit with them. After submitting my application, a loan officer called me and asked some questions regarding my business and employment. I have a translation business and I am employed full-time as a consultant. He asked me to send him 2 years of tax returns which I did. Last week same person aggressively calls me and states that my income verification is fake and he verified from 3rd sources. He was discriminating, aggressive and unprofessional. He refused to provide any details and refused to connect to supervisor claiming that he is the decision maker and highest person in the company. I called immediately the customer service and spoke with supervisor. He was very friendly and responsive and he offered me to file a complaint regarding the loan officer which i declined. He was able to find out the reason. According to their ''genius '' loan officer my employment is fraudulent as my business a sole proprietor was required to be registered with California Secretary of State and I was required to have an EIN. I explained the supervisor that both statements are incorrect and he told me that i should reconsider the decision and send a letter to them. I sent a detailed explanation letter attaching more supportive documents regarding my income. The next day I called and was informed that they received the email. on XX/XX/2018 I received the letter stating that my application was declined due to same reason. I called and I was connected to some aggressive and unprofessional representative who declined to connect me to supervisor and provide any reason. After spending 40 minutes with them a representative XXXX told me that my tax documents are fake!!!!!!!!!!!!!! I requested him to clarify how were they able to determine that, did they contacted IRS? He said no! I requested him to send me in a written form that penfed determined that my tax documents are fake he refused to do so. He stated that i could never apply with penfed and he confirmed that they did nothing to verify genuineness of my documents. So basing on their assumption Penfed employees insult, discriminate, harm your credit and call you liar. This is the most unethical company in the world. I provided them with written explanation, I was eager to provide more documents to support my application and i even contacted state and Irs to confirm that my arguments were correct but these people refused to help me.
I am trying to clear up a debt owed by myself for a  XXXX   XXXX  from  XXXX  ; wherein at that time I was in   XXXX   ; I never had a  XXXX   bill  and have just recently been released from  XXXX  on  XXXX   XXXX ,   XXXX  . I have tried to clear the matter up with both  XXXX  and the  Enhanced Recovery Corp ;   and after speaking with  XXXX   XXXX  and opening up a fraud report #  XXXX , still I am not able to have the issue cleared up. I do n't understand h ow one person  in  XXXX  could even be held responsible for a debt? Could you please contact me as soon as possible to try and clear this issue up?
My compla int is about Ditech Mortgage company,. It has been a nightmare trying to communicate with this company. My husband and I are tired of Ditech rep orting us late to the credit bureau agencies.  <P/> This has been occurring for years and the most recent was  XXXX   2017 . We schedule payments online so we will not be late. Years ago, I will mail a check on the  XXXX  of the month and they would say that they did not receive it until the  XXXX . Which would make us late.  <P/> We decided to make payments online because of this reason, and we are still being reported late.  <P/> I called the customer service and the agent told me that the system does not recognize when you make a payment early. We started making payments between  XXXX .  <P/> 
Ditech has so  me shady practices and they need to be investigated seriously.
LexisNexis XXXX . information exchange reports that I had in auto accident. The company reporting the information is XXXX XXXX XXXX XXXX. The following is the identifying information on the report. 

XXXX file number : XXXX Claim number : XXXX Policy Type & Company : XXXX XXXX XXXX XXXX Policy number : XXXX Driver : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX Driver License : XXXX Vehicle XXXX XXXX XXXX number XXXX I did not have an auto collision, my vehicle was vandalized on XX/XX/XXXX. An unknown person stuck a wrench through the radiator of the vehicle. My vehicle was parked and unoccupied at the time of this incident. At no time was another vehicle involved. There was not a collision of any kind. There was never any police report filed of an auto collision occurring. I informed XXXX of this when I filed the claim. I just became aware in XXXX that XXXX was reporting the incident as an at fault accident. I am disputing this report and would like XXXX to remove it. This information is affecting me negatively. 

My contact information : XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX XXXX XXXX
I have been a loyal customer of Regions Bank for several years. Never have I overdrafted my account. A week ago I noticed that my account had overdrafted. I immediately went to the bank to pay off what I had gone over. To my shock, I had been charged over {$800.00} in overdraft fees, which is more than the amount I had even gone over. After calling, emailing and visiting a branch SEVERAL times over the course of one week, I have gotten nowhere. Not only that but the person I spoke to on the phone with customer service was extremely rude and even laughed at me. Having never overdrafted on my account and immediately replenishing the account, I believe these $ XXXX in fees is unethical and abusive. I repeatedly asked the bank to freeze my account so that if anything else comes in, it just needs to be declined. They failed to do so as well.