WillisBack/dataset-financial-user-claim huggingface dataset:
In my law practice, I serve as a trustee for a client ( who also happens to be my brother-in-law ). The sole purpose of the trust account, and the trust account above, is to provide funding for a life insurance policy. The life insurance policy is mandated by my client's/brother-in-law 's divorce decree in the State of New York. 

Relatively recently, my brother-in-law 's obligation to maintain the life insurance policy expired. At the time, there remained slightly less than {$200.00} in the trust bank account at Citibank. As mentioned above, this bank account was exclusively for the purpose of funding the aforementioned life insurance policy. 

Because it was no longer necessary to fund the life insurance policy, and my brother-in-law decided to allow the policy to lapse, I sought to close the account and return the remaining funds within the account to my brother-in-law. To that end, I called Citibank. I spoke with a woman who assured me that she would close the account and send a check made payable to the trust, so that I might return that money to my client/brother-in-law. 

Approximately one month later, I received a statement from Citibank indicating that the account was still open, and that approximately {$12.00} had been deducted as fees on the account. Needless to say, I was surprised. After all, I had closed the account and was expecting to receive a check, not a statement deducting more fees. 

Consequently, I wrote to Citibank. A copy of my letter is enclosed for your convenience. In response to my letter, on XXXX XXXX, 2016 my office received a call from XXXX XXXX ( XXXX ) a branch manager of a Citibank branch in XXXX, New Jersey. ( Incidentally, the branch at which I opened the aforementioned trust account was located in XXXX, New Jersey ( where my law office is also located ) ). XXXX XXXX advised that because the nature of the bank account at Citibank was an irrevocable trust, the bank was obligated to disburse the funds with a bank check. XXXX XXXX left word that the bank was not permitted to send that check to me, and that I would need to travel to a branch, produce identification, and collect the bank check in person. He advised that there were branches in XXXX, XXXX, and XXXX at which I could appear for this purpose. 

XXXX, XXXX, and XXXX are all at least 30 minutes away from my office. I can not understand why I would have to appear at a bank to close out an account and collect a check for the balance of the funds left in the account. I suspect this is nonsense, and that the bank has merely erected hurdles knowing that it does not make economic sense for a lawyer ( or anyone else ) to travel 30 minutes away, and spend who-knows-how-long, at a bank branch to collect a check for {$110.00}. 

It is my sincere hope that your office will investigate this matter.
Effective XXXX XXXX, 2014, Selene Finance LP took over my mortgage loan from XXXX XXXX XXXX. Since this time and to current date, I have been in dispute with Selene Finance LP regarding my mortgage payments. It is still unresolved even after multiple attempts and providing them with the proof of payment. My last bank statement included a delinquent notice that I am late on my mortgage payment and that failure to bring my loan current may result in fees and foreclosure.
This Company, which I have no contract with nor have I received service from, reported a collection account against my SSN in the amount of  XXXX  with  XXXX ,  XXXX , and  XXXX  credit reporting agencies. I requested verification and they false recorded me in terms of agreeing with this debt and or me making payments for their satisfactory to keep attaching this debt to me. I requested to obtain written agreement verifying I personally agreed upon this debt and account however Aargon Collection Agency failed to provide adequate to No information at all regarding proof of being my consensual account. Considering they do not have a contract with me for the goods or services they have provided or have they provide adequate proof. I AM NOT OBLIGATED TO PAY FOR THIS ALLEGED DEBT.
My name is XXXX XXXX. This was my first credit card and have kept the account in good standing since inception in XX/XX/XXXX.

Back in XX/XX/XXXX - My co-signer on the account filed for Chapter XXXX and XXXX XXXX automatically closed the account. 

I'm the primary holder and this person has nothing to do with me. The account was always in good standing, never ever bad. 

They closed my account and intentionally deleted it off all credit bureaus to hurt me personally. It took my score down and made it appear as I have not established a long credit history. 

The company also went so far to list the account as a charge off. Why would you charge off an account that was never behind? And list it as bad debt on the person that didn't file for bankruptcy. 

Makes no sense. They refuse to reinstate the account or take the other individuals off as it has nothing to do with me. I find this very shady and fraudulent. 

Called compnay last on XX/XX/XXXX
RESURGENT CAPITAL SERVICES has initiated a review to collect on a debt that was settled in court back in 2012 and the debt currently paid off. They are claiming ownership of the original account and trying to collect, requesting documentation and my personal information, SSN and checking account payments in order to prove that I do not owe the debt.
I have over the last 6 months been able to make additional payments to Navient however they keep increasing the amount of interest on the loan so that there is no difference being made as a result of these additional payments. What happens if I were to triple my payments they would probably run the interest up to offset this too. Then Navient hides behind the statement that all loans are subject to interest rate increases. 
This is predatory lending at it 's finest with these people.
I had forgotten I had purchased a small item at Best Buy on XX/XX/18 ( thought I had purchased at XXXX where I had purchased other of same product ). I had not purchased anything from BB in a long time and was not receiving paper or paperless statements. ( *I 'd previously purchased major appliances and never had an issue. ) In XXXX I received notice of late payments and IMMEDIATELY paid for all late fees, interest, etc. on XX/XX/18. I have never been late for any payment to any creditor. When I spoke to them in XXXX, they said they would contact the credit bureaus to forgive the lateness since a technical issue. This still has not been remedied and have disputed multiple times. When I called again today, they said there is a federal law that prohibits them from correcting or forgiving lateness, even with my excellent history with them. I have gotten quite the turnaround and am hoping you can help rid these from my credit report. Please let me know what other information you need to assist you in helping rectify this. 
I am attaching a photo of a letter that sounds like they fixed it and in fact did not. 
Thank you XXXX XXXX XXXX
On XXXX XXXX 2015 I mailed ( via Certified/Return Receipt ) a " cease and desist '' letter to Resurgent Capital Services. Letter was received and signed for by a XXXX XXXX on XXXX/XXXX/15. Today, XXXX/XXXX/15, I received another " debt validation '' lettter from Resurgent Capital Services dated XXXX/XXXX/15. 

USPS Article Number : XXXX XXXXText of Letter sent : Gentlemen : I am writing in response to your letter of XXXX XXXX, 2015 in connection with your proposed collection of the above-referenced " debt ''. 
After thoroughly researching this matter, it is obvious to me that I do not owe what your firm claims I owe. In fact, I emphatically dispute this alleged " debt ''. As I am aware of my rights under the Fair Debt Collection Practices Act ( hereinafter " FDCPA '' ) as well as Texas State law on the subject of debt collection, I dispute the validity of this debt. 
Please let this letter serve as formal notification that I consider this matter permanently and forever closed, and I hereby demand that your firm or any of its affiliates immediately cease and desist from any further contact with me regarding this matter except that I demand your firm confirm with me, in writing, that your debt collection efforts in the above matter have been immediately terminated or that you or the " creditor '' are taking specific actions permitted by the FDCPA or pursuant to Texas State law. 
Please be advised that I will consider any further contact of any kind from your firm or its affiliates ( except as to the above-mentioned confirmation by your firm that the referenced matter is closed ) to be in direct violation of the FDCPA, and that any such further contact from your firm or its affiliates will also be considered a violation of the laws of the State of Texas pursuant to debt collection. As such, please be further advised that any further communication ( whether written, oral, electronic or otherwise ) by your firm or its affiliates will, in fact, be reported to the Texas State Attorney General and the Federal Trade Commission. As I am sure you are aware, violations of the FDCPA may result in, among other things, your firm being fined up to {$1000.00} per incident. 
Please be guided accordingly, Very truly yours,
I noticed updated on my credit report that a bogus collection account has been added to my file. The account is listed as XXXX XXXX XXXX XXXX and it is not my account.
I have received repeated calls from transworld systems incorporated on phone number XXXX for a debt I do not owe. The company seems to think I owe money to a hospital, however, all my debt is paid. The company keeps asking me for personal information and I refuse to give it to them as I can tell it must be a scam. They get angry with me when I will not confirm my date of birth or any other information and refuse to mail me documentation and proof of bill or debt.
My information was part of the cyber security issue with Equifax. The companies failure to protect my information is unacceptable and the 1 year of " free '' credit monitoring they are offering as compensation is a slap in the face to everyone affected. This is an issue that will not just go away after a year but rather something that may be a threat that has to be dealt with for the rest of my life.
I am writing this letter to inform you that I have lost my job on XXXX 2015, and I am having difficulty paying all of my debts each month. This is a temporary condition as I decided to improve my skills by going back to school to get the XXXX license. I suspect that I am going to have trouble paying my debts for the next year as I have depleted most of my savings in my school cost, licensing cost, and personal living expenditures. 

I want to do everything I can to keep my accounts current and stay out of collection. Therefore, I am requesting that the interest rate on my account be lowered significantly, and if I could make interest payments only for the next 6 months ( I should be working and financially stable again ) so that my monthly payment will be lowered, and I can continue making my monthly payments without defaulting. 

I believe that if we both work in good faith, we will save each other unnecessary financial harm and many costs by avoiding going into a reduced debt settlements or a time consuming debt negotiation. 

I would like this payment reduced As Soon As possible so that I can continue to pay all of my bills and living expenses on time and current in this time of economic hardship '' I contacted the company many times after the last communication where they promised to provide some help by modifying the terms of the card agreement on XXXX/XXXX/2015 to alleviate my hardship, but when I call they said that no notes were made in the account so no help could be provided, please see attached and below their original response. 

" Your account may be eligible for a payment relief program, which is designed to save you money and help you pay down your credit card account balance by lowering your Interest Charges and eliminating applicable Late Payment Fees. The hardship-qualification process requires that you provide additional information to determine your eligibility for assistance ; additionally, enrollment in a payment relief program would typically close your account to new transactions. If you are interested in this program, we ask that you contact our Collections Department at XXXX for further review ''
On XXXX XXXX of 2017 I contacted Navient about options for lower monthly payments. I could never get in contact with them and they offered no solutions for me. It is not possible to contact them online through your account and it would say to call them. When you call them you get out through an automated service that leads to a dead end. I eventually had to go to the government loan website and apply to re consolidate and get lower payments. I chose to keep them with Navient, because 2 or 3  years ago when I re consolidated my private loans from navient ( XXXX XXXX at the time ) to XXXX XXXX. Navient lied to me and said they never got payment, when XXXX told me yes they had written the check to them a week before. So I ended up making another monthly payment to XXXX XXXX/Navient when they had it all payed in full from XXXX XXXX. I have never had good experiences with them and they have never been honest with me.
On XX/XX/2017 XXXX XXXX gave me a hard pull which I did not authorize. I never did any business or got a loan from this company. This is fraud and I would like it removed from my file as soon as possible. I had spoke to there customer service team and they had said would remove any hard pull since I never authorized it.
XXXX XXXX XXXX is showing a line of credit on my credit report under the name of XXXX XXXX. This account is not mine. The bank refuses to give me any information on the account, because my name is not XXXX. They will not remove this fraudulent information from my report. I have also submitted several attempts to dispute the inaccuracy with the credit bureaus. This has severely damaged my credit and are ruining my purchasing power. Bottom line is my name is not XXXX XXXX, I did not open an account with XXXX XXXX and this should not be on my credit report. I have never been late on any of my payments with any company.
XXXX, trans union, XXXX credit reports. Are wrong. Address and accounts I never opened. I know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX and out XXXX amount of XXXX. Joint account with a person I dont know never lived in Florida till XX/XX/2017!! 2 accounts from the same company first fraud account XXXX XXXX XXXX amount of XXXX. 2nd fraud account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud fake!! Not mine!!
I pay One Main Financial every month. I may not be on the due date, but my account never goes 30 days late. The call me on their robo call XXXX times a day- XXXX days a week.
On XX/XX/XXXX I sent 2 letters to XXXX XXXX  in Pennsylvania requesting removal of XXXX late payments they recorded, XXXX for each account, reported at the beginning of my payment plan. My XXXX had gotten XXXX in XX/XX/XXXX and required my full-time care. I explained that after she XXXX XXXX in XX/XX/XXXX, I have made on-time payments ever since. They denied my request on XX/XX/XXXX. All 3 credit bureaus still show me as having XXXX late payments which disqualifies me from work, housing, loans & any other simple background check. It has caused irreparable harm to my life.
Out of the blue I decided to check my credit score and my old XXXX email and came to the realization that loans credit cards time share and emails that were sent out because of with the attempt or success of using my identity to open all sorts of accounts and trying to file taxes because my XXXX acct has been compromised as well. It was done without my knowledge or approvaland it's been going on for mos. I will allow you access to both of my accounts that prove fraud. XXXX XXXX is the pswrd for both. XXXX i did see the name XXXX XXXX. Thank you.
I enrolled at XXXX XXXX, under the premise of a better opportunity and advanced learning. Once enrolled I quickly saw how the institution was a joke. Teachers passed you with no problem as long as you showed up for class. I did not want a free ride, I actually wanted to learn a skill that I could utilize in the work field. Once I saw this I began to look elsewhere for schooling and then learned the bulk of my credits were non transferable, and that most employers do not consider XXXX an accredited school. This is not the message I was given when I enrolled. I was told how employers consider graduates the cream of the crop and finding a job would be no problem. Once I left I then could not enroll in another school due to the fact I now had tremendous debt from my time at XXXX. The loans taken out were predatory with outrageous interests rates, which I learned most of the students end up in default on. My credit has been largely affected due to delinquent payments and I see no clear way out in sight. XXXX is very corrupt and dishonest with the facts stated in order to coerce students into enrolling. Exaggerated graduation and job placement rates, as well as knowingly convincing students to take on huge debts that they will more than likely not be able to repay. These actions should be criminal. Now I am constantly being called and harassed by XXXX Private loan, the agent assigned to my loans with exasperated demands of payment. There must be something done to assist the thousands of students like me who simply wanted to better themselves and we 're taken advantage of.
Somebody open a credit card fraudulent in my name I have police report and notified and they still report it to my credit
I was a victim of identity theft several years ago. I have police reports, etc. I filed to put fraud alerts on my credit report and I disputed the information with the agencies. They have failed to supply me with any supporting documentation of the validity of the accounts and they have failed to remove them. There are in fact accounts that I had from 15 years ago that they are still reporting even though they are violating the FCRA, and the florida statue of limitations. I have not been able to obtain credit until a year ago and it was a very minute amount of credit. The credit reporting companies have ruined my life and my ability to even buy a home, and because of their violations I have been forced to file for bankruptcy which will now stay on my credit report for 10 years. They are not even accurately reporting the bankruptcy information properly.
I called all three consumer reporting agencies about an erroneously reported item on the public records portion of my credit report. The item concerns an incomplete and incorrectly reported judgment from when I filed a countersuit against a landlord ( actually I attempted to file first and she beat me to it ) for improper withholding of a depost and an improper lease. I won the judgment in XXXX Co Special Civil Part - I have a copy of the judgment and a copy of the credit invoice to the plaintiff - a realtor. I spoke with a Indira in the XXXX XXXX Post Judgment Team - who confirms that the court records reflect XXXX XXXX the plaintiff as being held accountable for the judgment and that I won the judgment. Somehow the entity furnishing the information to XXXX, TransUnion, and XXXX has not been accurate and is not being held to any accountability for the accuracy of this report. I contacted all three credit agencies to include TransUnion. The Transunion website wo n't let me enter data - keeps coming up with an error message ( I have a copy ). The transunion online automated reporting system keeps hanging up on me - two hours I 've spent out of a busy day. I am a XXXX - the reason I was even in the aforementioned rental property - and I am trying to run my XXXX. I applied for a loan. My credit is fairly good - and could be great if there was not this GLARING inaccuracy on the reports. The credit reporting agencies have a very flippant and avoidant attitude towards this issue and other ones like it. We are held accountable through financial penalties for processes and issues which may or may not be accurate- while it seems the the agencies and their clients who are paid to report the information to them ARE NOT. This is hurting my credit score and my credibility in general. These are very trying times to start a business of ANY sort in the US and this has been an incredible drain to try to get this recognized and reported correctly. XXXX just has noted the matter as " settled '' on the report - also reflecting that I LOST the judgment. Transunion is not even letting me report it. And XXXX states it has to check with its private vendor of the information even though I sent in the statement of judgment from the court, from my lawyer, and a copy of the entire judgment received from XXXX County Special Civil Part for the docket in question.
Wells Fargo Financial National Bank charged me XXXX in interest on a loan that was to be a promotion. I made payments for 6 months on this loan and was charged monthly interest and yet was charged from the time I originally got the loan. So Wells Fargo is charging me double interest on this loan, as a penalty. It is unfair that they are doing this.
When I originally received a loan modification about 5 years ago they told me it was a 30 year fixed step loan that would eventually cap off at 5 %. They are now telling me it is an interest only loan and that it will amoratize in 2019 and the payment will increase by about {$500.00}. The documentation attached clearly states that the loan type is a fixed rate and it also states that the payment amount is principal AND interest, not interest only. 
My modification was not thru HAMP but was one of GMAC 's in house modification products. The loan has since been acquired by Ocwen and I have tried to modify several times, as I want a fixed rate loan that is not going to amoratize. Ocwen has turned me down because I either make too much ( not taking into consideration my amount of debt ) or that I make too little due to my debt to income.
I contacted Equifax via certified mail on XXXX XXXX, XXXX ( tracking number was XXXX ) about collections on my account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that are not mine. I asked Equifax to verify the accuracy of these collections and send me copies of the documents they have on file that verified these accounts. Unde the Fair Credit Reporting Act 15 USC 1681g I have the right to demand copies and no proof was sent to me. I called Equifax on XX/XX/XXXX to get my update I was told by XXXX the accounts came back factual which they arent. I contacted the creditors and collection agencies asking for them to send proof and none was sent but a bill which isnt a contract with my signature or proof of my identity that they would have. I let XXXX from Equifax know I will be filing a complaint and I want proof of the collections or have them deleted off of my credit.
tired of doing this. i have been with ciri bank 25 years plus what banking does not do sometimes is get to know their customers. XXXX does XXXX XXXX and i use those cards for major purchases. not citi. since there is no loyalty since XXXX they have XXXX dollars of interest they refuse to refund all of a sudden when it was happening. i have medical debt that could if i so chose allow me to discharge all. i am not doing this though. 
i am very frustrated at the scripts and bureaucracy in the financial industry what a disappointment that you dont get loyalty for loyalty so i cant give it. onceciti refunds it wuthout throwing it in my face or scripting me. or telling me its valid i will add it to my list of preferred cards. this is for my card ending in XXXX