WillisBack/dataset-financial-user-claim huggingface dataset:
I recently closed on a HAMP loan for my 1st mortgage with XXXX XXXX. I submitted an 2mp loan modification with Citimortgage in 2016 for my 2nd loan. Citibank has denied my request for the 2mp program because they were not notified that my 2nd loan qualified for the 2mp program. The have said there is no way for them to give me a 2mp modification without the notification. I believe the notification they need comes from the XXXX XXXX matching system which is used by Hamp loan servicers. I also believe the system allows servicers the ability to match 2nd mortgages to a hamp modified 1st mortgage. Thus allowing them to modify my loan. I do not believe an proper attempt has been made by Citimortage to assist me with my 2mp loan and would like an explanation why citimortgage does not follow the Hamp servicers guide and assist me with my loan.
Target card services stopped sending me statements for my Target credit card account after XXXX, XXXX. I used the card after that but never received a bill and did not know I owed them money. I never received any statements or past due notices from them. I did receive a phone call from a Target card services employee on XXXX XXXX, XXXX, stating my account was overdue and was being sent to collections. I told the employee that I was not aware that I owed Target any money. She told me I would have to request an affidavit to dispute the charges in writing. I sent a letter the next day requesting the affidavit. Before I received the affidavit form from Target card services, I received a phone call from a collections agency. I wrote to Target again asking for copies of the receipts and the statements to prove the charges were indeed mine. I finally received the affidavit form in XXXX, XXXX. In XXXX, XXXX, I received a letter stating they had sent me copies of the receipts along with the affidavit form, but the receipts were not included with the affidavit form. They did include printouts of online statements from XXXX, XXXX, and XXXX and XXXX, XXXX, which did not have my name on them or any indication that they were mailed to me. They did not include any statements after XXXX, XXXX. I then received a letter XXXX XXXX, XXXX, stating that the dispute was closed and that I owed Target {$580.00}, including interest and fees, and this would be reflected on my next statement. This letter included receipts from XXXX and XXXX, XXXX, and XXXX, XXXX. I called the representative who sent the letter the next day. I told her I would pay the charges minus the interest and fees as I had never received statements with these charges. She stated she could not remove the fees as the account had been closed. I asked to speak to someone who could help me and she stated there was " no one there who could help me '' as " no supervisor would approve changing the charges ''.
On XX/XX/2018, upon re-entering PNC Bank at XXXX XXXX XXXX in XXXX North Carolina to inquire about a fee I was charged to cash a check that was drawn on PNC Bank, I was told by the Assistant Branch Manager by the name of XXXX XXXX. XXXX that my check, issued by XXXX, was a fraudulent check. ( The check had already been cashed by the teller prior to my involvement with Mr. XXXX ). I proceeded to ask Mr. XXXX what was fraudulent about the check. He began to tell me that the paper that the check was drawn on was regular copy paper ; that the check was blurred and some something pertaining to the font on the check that raised some red flags. He then begin to proceeded to call XXXX, I presume in his attempt to verify the check. Again, the check had already been cashed minutes before. I re-entered the bank to ascertain the veracity of the fee that I was charged to cash the referenced check. 

One teller told me it was {$2.00}. Another said it was a 2 % fee. I asked if there was a policy available for me to view re : this discrepancy. After I told him if it was a fraudulent check that I've been receiving the check for the past 11 years. Upon apologizing, Mr XXXX continued to tell me that it appeared that the check was fraudulent. I informed Mr. XXXX that he conduct was disingenuous to the customer to make such allegations without providing proof. Mr. XXXX made me as a consumer feel that I was not welcomed or valued. although I am not an account holder of PNC, the check was drawn on an account holder of PNC Bank. This kind of behavior was not only inexcusable, but as an African-American, it appeared to be stereotypical and made me feel that Mr. XXXX was racial profiling me. The two tellers were both XXXX-XXXX. However, I inquired upon Mr. XXXX, how he could tell if a check was fraudulent just by looking at it. 

Originally I went back into the branch, after cashing the check because I was told upon entering that if I did not have an account there would be a 2 % fee or {$2.00} fee. Based on the amount of the check the amount would have been less than the {$2.00} fee that I was charged. However I was then told that it would be 2 % or {$2.00} whichever is greater. I asked if I could see the bank 's policy regarding what I was being either there or online. No policy was made available for me. 

I informed Mr. XXXX that I would be lodging a complaint with the Consumer Financial Protection Bureau regarding his unprofessional and unethical behavior. He then said that the bank 's policy had recently changed. 

As a consumer I felt very humiliated and frustrated at the whole experience. Consequently, I never did get a resolution for what was originally intended. 

All rights reserved
The Company ( Towner Loan ) we have a loan with the payment was due on XX/XX/XXXX. 
We intend to pay it on XXXX XXXX. We are 15 days late. 
They threatened to come to our house and take our belongings until they get their money. 


A little FDCAP Violation for someone only 15 days late!
On XX/XX/2016 my husband and I signed for a membrship with the XXXX, at that point we were living in a close by location so we were going to try that gym, after couple months we moved out of town that is XXXXmiles or more away from any club location and we asked the XXXX stuff to help us with the cancelation according to the right to cancel that is written on the contract, they redirect us to their financial company which is ABC Financial Services , Inc where we were told to send the documentation proving that we live XXXXmiles or more away in order to cancel so we did, in response they told us our membership can not be cancel because according to them we live XXXX miles away not XXXXmiles as is showing on any GPS and without any kind of proof from their side
I purchased a house a few years ago, and got a fixed 30yr mortgage. The monthly payment, including taxes came to {$2500.00} ( {$1900.00} for principal and intrest and {$600.00} for taxes ). About a year ago, the mortgage changed hands and the new company is now charging me {$2600.00}. I was confused by the increase in amount as it is a fixed loan and my taxes have not gone up. I called the company multiple times to try to figure out why, but the best explanation I could get was that they were now demanding an additional {$8000.00} sum to be kept in an escrow account, in addition to monthly sum I was already paying towards my taxes. I checked the fine print of the contract, and it is RESPA compliant, which means the amount the are charging is illegal.
To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$14000.00} ].

This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
On XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX ran my name twice within a week, ... way before my first 30 days, However, XXXX XXXX XXXX then took it upon themselves in opposition of my 4 warnings not to run my credit outside of their company, and she promised me that she wouldn't but she did. They fraudulently ran my name cause I did not authorize neither one of them many inquiries on my report ..via XX/XX/XXXX. Under the FCRA, that's illegal practices for them to do so.
I have a total of  XXXX  inquiries on all three credit bureaus from various banks on.    XXXX / XXXX / 2016  I have contacted them and the credit bureaus, and nothing is being done.     I have not applied for credit with them. need to be removed from my credit report with   XXXX   XXXX   XXXX   XXXX
I have written all three Credit Bureaus XXXX, Transunion and XXXX about my daughters XXXX  student loans still reporting on my Credit Report way passed the seven year mark. The following dates are listed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I feel that the loans should be deleted because its past seven years. XXXX has also deceived me in the past asking for my Pay stubs saying I would be in deferment and they have constantly added lates every month recently as if I should be paying. They never put anything in deferment but have been constantly adding lates and dropping my score and the credit bureaus have allowed this. I ask for a fair investigation and they failed to provide that if they did they would see that XXXX is reporting and inaccurate and would have deleted the account for being inacurrate or for again it being passed seven years. XXXX is not the only account passed the seven year mark still reporting. I have a XXXX account and a XXXX account from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX both again passed seven years I feel the bureaus are almost getting a kick out of seeing my down and not be able to obtain credit because I have wrote them several letters concerning this and I have been treated unfairly
XXXX XXXX XXXX XXXX Contacted my daughter about me, told her they had documents to deliver and they had our address, told my daughter I was high risk and they are coming to get me. I called the company after they harassed and scared my daughter they told me I had to pay {$4800.00} or someone is coming to my house. This is harrasung, unethical and against the law
I have received a 45 day notice of foreclosure form SLS. According to SLS, I have missed payments. SLS has not been sending me monthly statements. I was under the impression that my mortgage was being paid on time every month. SLS tells me that because of Chapter XXXX bankruptcy they have not been sending me any correspondences regarding my account. If this is the reason then why add late payments and Corporate Recovery Advance fees and a 45 day notice of foreclosure. 
Last year, my mortgage was transferred form XXXX XXXX to SLS. My very first payment had been applied to someone else 's account. I find this out after SLS sent me a 45 day notice of foreclosure and having to prove to them that I had paid the bill. 
My current situation is that I have been sent another 45 day notice of foreclosure. I have been paying {$850.00} every month on time. After calling SLS concerning this, I have talked to several different customer service representatives. One of them tells me that the account has been delinquent since XX/XX/XXXX because escrow went up, another one tells me that the account has been delinquent since XX/XX/XXXX because the escrow was short. Either way late fees have been accumulated nobody is able to tell me when the late fees started or how much the late fees are and why I was not notified of any of this. I believe this is a predatory practice. SLS has not sent me any correspondences regarding escrow or monthly payments. They wait until the account is so far passed due that I can't afford to pay it so that they can take my house. This seems to me to be a predatory practice. After all this time, they never let me know that the bill was late and that they were tackling on late fees and corporate recovery advances fees. If they had been sending out the statements and making me aware of what was going on with my account ; my account would be current as of today. According to SLS, my monthly payment is {$900.00} that is only a {$45.00} increase. It is a devastating to me that SLS is trying to force me into foreclosure with their predatory practices.
I received a billing from Collection Agency which consisted of five different creditors under one account number which I assume they purchased and wanted to collect those funds. Immediately upon receiving the billing I responded to them with a validation request. Within 30 days after mailing that request I received one document from them for only one of the creditors. Approximately sixty days after that I received documents for two more of the creditors and a letter with those documents acknowledged receiving my initial validation request. Although unnecessary I mailed them another request for validation for the last two creditors. It has now been approximately 45 days since I sent the second validation request and they have not received anything. The way I understand it is a Collection Agency has to comply with a validation request within 30 per the Fair Debt Collection Practices Act and this Collection Agency has only complied with validation of one of the five creditors listed. I just a week ago mailed them a Cease and Desist letter and with it I did assume responsibility for the one creditor they validated within 30 days. I am preparing a follow-up letter to the collection agency to see what their intentions are. 
I am XXXX years old and retired. I receive a monthly Social Security Benefits. This company has taken a toll on me by not communicating and making me wonder what they are going to try and do next. In the Cease and Desist letter I informed them they are in violation of the Fair Debt Collections Act, Section 809 and 813. 
What do you think I should do next?
XXXX XXXX National Enterprise Systems from XXXX ext XXXX  and XXXX XXXX from National Enterprise Systems take turns calling my place of work is at a high time record of 16 calls in one day. They threaten my co workers and bosses to give them my work schedule so they can call me and harass me during my work shift. I only work 4 hours a week, and they call even when I'm not there, they won't give me any information on the debt owed without first giving them my personal information and my social security number. I have not received any notification by mail. It is not my debt, so make them stop calling me at work. My bosses and myself have ask them to stop calling me at work, but they seem not to care and keep calling even after the threat of hiring a lawyer to sue them. I won't have a job if they keep this up.
Contacted a firm - XXXX XXXX ( seller ) whose email had unknowingly been hacked, to inquire about a product ( XXXX ) for sale, unbeknownst to me ( buyer ) & seller, an intermediary was relaying email messages between buyer and seller. At the point the seller sent bank wire info, intermediary substituted the Email attachment with correct bank info with his own attachment with intermediary 's fraudulent bank account information. 

I issued recall request with my bank ( XXXX XXXX XXXX XXXX ) but the receiving bank ( Wells Fargo ) denied the request to return funds ( {$8200.00} ) despite stating in their formal response that account holder name and account information did not match the beneficiary information in the wire transfer.
They called my mother 's cell phone and NOT ME. When I called to find out who it was & what for. I have NEVER received a debt letter or heard of ERC. When the collector demanded collection & told her that her company has never sent me a letter of debt.
On XX/XX/XXXX I sent a subpoena to JP Morgan Chase to get all records on a house I purchased on XX/XX/XXXX. I did not hear back from them.
Recieved a letter in the mail telling me keybank closed my account .... open an account on the 5 and today is the 13 and wasnt notified till today with a letter .. 
If there was a problem with opening the account i should have never been able to open and account .... my money is going to be sent back to me via check and have to wait for XXXX knows how long ... called keybank customer service and the do. Ot see why im account is closed ... worst bank in the world waste of time and waste of money for the simple fact i have to wait for a refund of my money and never was told why my account was being closed
Some in 2012 I begin a process of trying to pay off all credit so that I can begin the process of purchasing a home. I requested my Credit Report from all Credit Companies thru website Free Annual Report I review the report and begin paying them. I believe some on my credit report did belong to yes I disputed them certain items keep popping up with different account numbers but attach to my social security number. I would all XXXX companies the investigated for policy and procedures and make they following Federal Regulation regarding Credit Reporting and Credit Score and review their Computer system for accuracy and privacy guidelines.
XXXX of 2015 I received a statement from Macy 's stating that I owed {$58.00} and my minimum payment was {$88.00}. When I called Macy 's to question them about that the customer service could not help me. XXXX I got a statement saying I owed {$70.00} because there was a {$37.00} fee? I called the home office and talk to XXXX XXXX I asked the account be removed from collection and credit reinstated she informed me that Macy 's does n't make it a habit to pull back a collection or reinstate credit. I once again explained the situation to no avail she said " maybe there was a late fee or something '' I spoke with her approximately three different times with no resolution the statement even shows when payment was made. Macy 's messed up not I,. I said I would pay the {$33.00} I owed but was told to pay {$70.00} I have taken a picture of of Macy 's own website on the date I paid my payment in XXXX it clearly shows that it was paid at XXXX on XXXX XXXX statement reflects that fact. Yet I was charged {$37.00} fee. I 'm not sure how the math works that I owe {$58.00} with a minimum payment of {$88.00} and then the following month I owe {$70.00} none of it makes sense. And Macy 's obviously could make sense of it either or I would have been told it was probably a late fee or something. It 's completely inaccurate and I want it corrected. And XXXX XXXX is of no help. I would hope you could talk to someone else besides her because she is confused and making things up. Trying to protect the company. I will also be filing a complaint with the State Attorneys General office.
Hello, I am hoping to resolve an outstanding collection pertaining to an equipment charge for which XXXX XXXX billed me in error. XXXX XXXX acknowledged the oversight in the amount of {$140.00} and adjusted it. By that time however it had been turned over for collection to XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. Having made no attempt to verify the status of the debt with XXXX, XXXX is insisting that the debt is valid after I made them aware of the oversight. Having obtained no help from XXXX, I filed a debt dispute with Transunion. Apparently Transunion directed their inquiry to XXXX rather than XXXX, the original debt holder. Consequently Transunion is saying the debt is valid based on the outdated information supplied by XXXX. In order to resolve this matter, XXXX XXXX the original creditor needs to be contacted as the matter was resolved directly through them, but neither XXXX nor Transunion will apparently do so. 

Particulars : XXXX/XXXX/XXXX XXXX turned over a debt in the amount of {$140.00} that had been incorrectly billed to my XXXX account XXXX for equipment that had actually been returned but got lost on their end. 

XXXX/XXXX/XXXX XXXX adjusted the balance of account XXXX to XXXX and advised that the collection agency would be contacted. I continued to get calls from XXXX and contacted XXXX once more who again verified that the matter was resolved and told me to ignore the collection agency but if they persisted provide them with reference number XXXX. 

XXXX through today. I contacted XXXX to advise them of the resolution and provided them with the reference number provided by XXXX concerning the resolution. When XXXX failed to investigate and resolve the matter I contacted Transunion and requested their assistance ( File Number XXXX ). 

Transunion 's response to my request to investigate was to contact the current account holder listed as XXXX XXXX XXXX and declare the debt valid. After the first time they did this I contacted TRANSUNION and asked that they contact XXXX the original debt holder who can confirm the debt as satisfied. For the second time they contacted XXXX XXXX XXXX formerly known as XXXX XXXX XXXX XXXXthe current debt holder rather than XXXX and have again declared the collection valid. 

XXXX has and continues to show the adjustment of the {$140.00} however neither the XXXX XXXX XXXX ( aka ) XXXX XXXX XXXX XXXX XXXX nor Transunion appear to be willing to verify the matter as closed and my XXXX XXXX is continuing to be adversely impacted. 

I am requesting the assistance of an objective 3rd party to act as a liaison to cross reference the information with XXXX. Only then will it be possible to confirm the debt as closed so that the misinformation now showing on my credit report may be removed. 

Thank you.
fail to remove a fraud alert and banks holding loans against me because i've been i victim of ID theft
I contacted Netspend regarding unauthorized charges on my account XX/XX/XXXX I advised them my backpack was stolen with my credentials such as Id, bank card, cell phone and a result in this matter over {$600.00} was stolen from my account. I later found out somebody I know had stolen my belongings when she was caught stealing from XXXX and had my belongings on her. On XX/XX/XXXX  I received a email from Netspend stating that I will not receive any of my money back and that the matter is closed I do not understand how this issue was investigated properly this company is not protecting my money at all they never emailed me regarding suspicious activity. I can not continue to lose money like this and unfortunately it is hard for me to close this account due to the fact my husband is in the Military XXXX XXXX and he has an allotment scheduled monthly to this account. I will greatly appreciate your help. 

Thanks claim # XXXX
I cancelled ALL of my wireless services with XXXX XXXX XXXX XX/XX/2014. I paid all of the early cancellation fines. XXXX XXXX XXXX, for some reason, left one of the accounts open. I called the following month after receiving another bill and they said they could not explain why and said I was responsible for the extra months payment. I refused and they refused to budge. They turned it over to collections. I DO NOT OWE THE MONEY. I refused to be bullied by them and will fight as a matter of principle.
I had signed up for paypal unaware I was going to have a hard credit check. I just signed up for XXXX and see that they pulled my credit information without my knowledge or asking for my ssn.