WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo sent me a letter stating that I have an outstanding water board bill and that if I do n't pay it, they will pay it from my escrow account and then adjust my monthly payment. Problem is I do n't have an outstanding water board account. No one could tell me what a water board account was and I was told it was different from my water bill. When I inquired as to where they got this information, no one was able to give me a straight answer and they gave me the run around. I do n't know what to do.
On XX/XX/2018, XX/XX/2018, and XX/XX/2018, I have submitted disputes and 609 letters regarding investigation into XXXX XXXX XXXX about an account. I still have not received any information from TRANSUNION regarding debt verification from the company. I have also requested several times information directly from the company with no response other than late or missed payments. I refused to keep sending money for an unverified debt or contract. Transunion has continued to ignore my investigation and provided no documentation from the XXXX
I had a previous complaint on this matter that you can look up if needed. Now XXXX XXXX XXXX XXXX through their Attorney Gurstel Law P.C XXXX XXXX XXXX XXXX XXXX XXXX, MN telephone number XXXX have a lawsuit against me for {$10000.00} minus {$25.00} for credit, NOT payments but credits that they say were extended on or before XX/XX/XXXX ( time line is very suspicious for Statute of Limitations ). I mailed ( certified ) them the ANSWER within the time limit and then mailed them ( certified ) Notice of Discovery and Request for Production of Documents. I had a hearing last week and the Judge has set summary of Judgement for XX/XX/XXXX. I have now received their ANSWER for Production of Documents. They do not have a Contract of any kind. I asked specifically for the date of last payment on questioned debt and received a paper stating specifically the last payment date of XX/XX/XXXX, ( I have tried to attach the photo of the paper showing Client Last Paid Date but your system keeps timing out, if needed I can try again later through email if you would like to see it ) I have neither spoken to or by mail or any other means discussed questioned debt with ANYONE. I now believe, after receiving their ANSWER for Production of Documents both XX/XX/XXXX and their Attorney Gurstel Law P.C. have knowledge that the Statute of Limitations ( 6 yrs in MN ) has passed. I did state Statute of Limitations in my first ANSWER to them also. I feel I am being harassed by both XX/XX/XXXX and their Attorney Gurstel Law P.C. I am now involved in a lawsuit that is costing me time, money and mental anguish that never should have been started had they looked at the FACTS.
XXXX. XXXX XXXX XXXX I had insurance at that time. The hospital did not file it. I did n't know about it for 2 years, then got a letter from the collection agency for {$1200.00}. The collection agency threatened to sue me if I did n't pay. I am sending them $ 10.00- {$20.00} a month. I am on Social Security XXXX, a very low fixed income.
I have a Promissory Note with Bank of America XXXX BOA XXXX that was cancelled in XXXX. After repeated requests for them to remove the lien on my property, BOA has not yet removed the lien ; nor have they responded to my requests. Furthermore, BOA is attempting to foreclose upon the property on behalf of XXXX using a non approved substitute trustee and foreclosure attorney XXXX XXXX with The XXXX Law Firm, who dismissed the foreclosure on XXXX XXXX, XXXX, withdrew from the case on XXXX XXXX, XXXX and now bringing back a XXXX Motion To Withdraw their voluntary dismissal. 
I seek your assistance in ending further extortion attempts by Bank of America and XXXX.
AMEX defrauded me of XXXX bonus miles and {$50.00} credit even after completing {$1000.00} spending within 3 months and XXXX SPG bonus points in SPG card AMEX sent me a mailer with a promise of XXXX bonus miles and {$50.00} credit even after completing {$1000.00} spending within 3 months.The copy of the mailer is uploaded at XXXX : XXXX However AMEX declines to honor it stating my claim for bonus miles for my Gold Delta SkyMiles ( r ) ( ending XXXX ) is invalid since I had the card before and hence ineligible for bonus. However, as the scanned invite letter from AMEX shows, it was an explicit invite application and nowhere was it mentioned that bonus does not apply to previous customers. AMEX has amended its rules past my application and continues to deny despite my best efforts to reach through their customer support and XXXX. AMEX has done so for my other AMEX XXXX Guest card ( ending XXXX ) in the same vein and defrauded me of XXXX SPG points.However, I failed to capture their mailer on scan. I implore XXXX to hold AMEX responsible to honor their explicit invite in my name with my Skymiles details for application and bonus miles which has resulted in over $ XXXX in charges on the account that could have been spent through a different credit card. Such " bait and switch '' of terms should be seriously reprimanded and I hope XXXX does more than being a messenger in the middle to scrupulous business practice by AMEX cards.
I received a car loan in XX/XX/XXXX. It was co-signed with an ex-boyfriend. In my stupidity, I thought that the split was going to be civil and we were going to help each other out. However, this was not the case. After telling me he would make the payments until I got on my feet, he defaulted on the payments and the car was repossessed XX/XX/XXXX. However, CNAC reported that there were late payments all the way up till XX/XX/XXXX. This was not the case by any means. I had spoke with the company personally and all I received were threats and no resolution to the problem. They refused to answer any questions I had or removed the incorrect information from my credit report. Also, they say a payment was made in XX/XX/XXXX and there was no payment made by me since XX/XX/XXXX. The gentleman I dealt with was extremely rude and just flat out hateful. On top of that I was emailed by the company with someone else 's personal information that included their name, address, birth date and social security number. When I called them very concerned that my personal information as well I was brushed off and was basically told they would not talk to me about it. They have done nothing to fix any of the problems that I have had with them.
XXXX XXXX, XXXXVIA CERTIFIED MAILCitiMortgage, Inc. 
XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXXCitibank, N.A. 
c/o CitiMortgage , Inc . 
XXXX XXXX XXXX XXXX, SD XXXXXXXXCitigroup Mortgage Loan Trust Inc. 
XXXX XXXX XXXX, XXXX, New York XXXXCitigroup Global Markets Realty Corp. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX MI XXXXXXXX, Trustee for Citigroup Mortgage Loan Trust , Inc. 
XXXX, MA XXXXATTENTION : XXXX : CitiMortgage , Inc., Loan # XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXXFIRST NOTICE AND DEMAND TO CEASE AND DESIST ; NOTICE OF RESCISSIONTo Whom It May Concern : I reserve all my rights regarding this matter and hereby rescind the above referenced alleged " loan ''. 
This letter is to demand that all of the above addressed entities Cease and Desist all foreclosure proceedings against the referenced property. I have previously requested documentation that any of the above listed respondents have standing to non-judicially foreclose this Note and Deed of Trust and proof that I owe anything to any of these entities. 
I paid monthly payments on this alleged " loan '' for 5 years ( XX/XX/XXXX to XX/XX/XXXX ) including PMI insurance because I was led to believe that I received a loan. Now, I believe there is a large scale scheme to defraud me, who in good faith signed alleged " loan documents '', without, inter alia, disclosure of the intent by the above listed entities to securitize the Note, thereby allowing many if not all of the above entities to more than XXXX the amount stated on the Note, and demanding monthly payments from me, the misled " borrower. " I am therefore demanding the following:1. Cancellation of the posted Trustee Sale ( noted above ) ; 2. An accounting of all charges and fees associated with the figures quoted in the Notice of Default and Notice of Sale ; 3. Proof that any of the above referenced entities has the right to non-judicially foreclose on behalf of a legitimate loan holder as established by CHBR XXXX ( XXXX ) ; and4. Proof that I actually owe any money to CitiMortgage, Inc. or any other entity. 
Govern yourselves accordingly. 
Sincerely, CC : Consumer Financial Protection BureauXXXXXXXX, Iowa XXXXVia Fax : XXXXXXXXOffice of the Comptroller of CurrencyOCC Customer Assistance GroupXXXXXXXX XXXX, TX XXXX
My mortgage had been in bad standing for several months due to some life changing event that included husband being laid off from work, martial separation, and daughter stating school. Green Tree had been contacting me extensively and I kept informing them of my issues at home. At one point I was 2 months behind and a person from Green Tree left a letter on my door asking for me to contact Green Tree. I then contacted them and was informed that I needed to submit a complete package of bills, paystubs, and letter informing them of my recent changed. I then called to follow up with Loss Mitigations and was informed that my case could not get reviewed until my account was current. I would ask for the Loss Mitigations phone number and was informed that they could not speak to me until my account was current. I then took a loan out in order to may my account current and not get forclosed as I was told by Green Tree and then called back once again to see about my Loss Mitigations case and was told that it was closed and could no longer be reviewed because my mortgage was current. A few months later I called back once again to see about reducing my finance rate and was asked to fax several documents. I had to pay a fax service {$30.00} just to send all of the information needed. I was then informed once again by Green Tree that I did not have any options available.
Hello my name is XXXX XXXX, I can be reached at XXXX. I would like to file a complaint with this agency regarding my experience with the XXXX XXXX program. I was told my student loans will be paid off in full and was charged a fee of {$1300.00} to their third party vender Equitable Acceptance. After contacting and speaking with representative from Ombudsman group through the FAFSA program I was informed that my loans were in fact not paid off and my loans were only consolidated and the services can be completed for no charge, has they believed I was scammed by the XXXX program.
I was called today several times from XXXX and they said they were looking for XXXX XXXX, I said that I was he, then the guy threw out a birth date and expected me to verify it. I had no idea who it was but when I said, what can I do for you, he said no it 's what I can do for you. You owe XXXX money! I said excuse me, I do not owe them money and he said yes I did and that I needed to pay it. I said no. But then he said I have been collecting debt from deadbeats like you since 1999 and you need to pay your obligation. I do not have any. I asked him to stop calling me as he was calling my private cell and he refused to do so. Then when I asked him to send me a signed contract he basically refused and said I will send you something. Something by law is not a signed contract. I do not owe his company DIRECT RECOVERY SERVICES anything. I do not have a signed contract with his company and I will not continue to be harassed by them. When I said you need to stop calling me he said put it in writing. Yeah okay, here it is, in writing an official compliant with the CFPB demanding that you cease and desist with all communication since you have violated the FDCPA by calling me when I asked you not to. I do not want anymore calls from you. I do not want any emails from you. I do not owe you anything so stop harassing me like you did today. You are a 3rd party collection agency and I do not owe you anything. Just because you bought a debt does not mean that I am contractually obligated to pay you anything especially when I do not owe anything to you. STOP CALLING ME
The Costco and XXXX XXXX arrangement ended in XXXX 2016. Costco and XXXX XXXX agreed to automatically enroll customers into the Citi-Bank Visa program without customer consent. I terminated my XXXX XXXX card 3 months prior to the transition between XXXX XXXX and Citi-bank, yet, I received a Citibank Visa Card. I cancelled the card shortly after realizing I had been fraudently signed up for the Citibank card. It 's now XXXX 2016. I find out through the Costco Warehouse account that the card I cancelled was n't cancelled and that Costco fraudulently charged my renewal membership to the card without my authorization. I again have tried to cancel the Citibank card to find out I need the entire card number to cancel it. I never received any mailed statements or literature from Citibank on the card. I again requested a written statement from Citibank that the card was cancelled. I was told I could only cancel the Citibank card once I have the full statement and account number available to cancel the card. This is fraud on both Costco and Citibank.
I have a home mortgage with Caliber Home Loans. I 've been working with them on a loan modification. As part of the modification process, I 've fallen behind on my payments because they are refusing to take payments while the loan modification is in process. I 've submitted all the paperwork and responded every time they have asked me for more information. At the same time, they have initiated foreclosure proceedings and set a sale date for my house.
I order an item on XXXX, attempted to pay it with a card through my XXXX account XXXX for {$10.00}. When it went through XXXX I would deposit {$15.00} and then I cancelled the item on, ordered on around XXXX the XXXX. I had an over draft fee on my account which was taken away due to my carelessness. I have asked several times for the over draft to be placed back, I was told no. I got a letter from Iberia last week on the XX/XX/XXXX. I cancelled the item with XXXX and when I checked I owe Iberia {$90.00}. I called and asked to speak to a customer service and was told that it could not be taken off. I called XXXX who really was not sure what to do, I spoke to another customer relations and was told the same thing. I like this bank I am just overwhelmed with this charges.
My boyfriend received a call at work from XXXX XXXX XXXX XXXX asking for me. He asked who it was and they would not give him any information. They asked if I was there to talk and he said, " No. '' Then, they hung up. I searched out the phone number and found it was for a company called " Portfolio Recovery Associates, '' which is a collection agency. There are also several reports online about this company trying to scam people out of money by claiming that they have an unpaid debt owing. I am not aware of anything that I might be owing to or through this company.
WellsFargo did not pay my county taxes on time. They did not alert me that they 're may not have been sufficient funds in my escrow. This caused me to have my credit report show a lien placed which looks like I did not pay on time.
Please consider this correspondence to be formal notice that your company has failed to comply with the " Early Intervention '' requirements of Regulation X, i.e. 12 CFR 1024.39 by failing to provide our mutual client with notice of a final date for loss mitigation options. Our mutual client advises that they did not receive the live contact that was required no later than the 36th day of delinquency pursuant to 12 CFR 1024.39 ( a ) and did not receive the written notice of available loss mitigation options required by 12 CFR 1024.39 ( b ).
Wells Fargo Dealer services web payment processes over-payments as future credits with further and further extended payment date, instead of applying the extra to lower the principal of the loan. 

They will only take principal payments in person or by check.
On Thursday XXXX/XXXX/2016 I closed my account with XXXX. I am moving XXXX and they do not have any ATM 's or Retail branches XXXX. I received a cashier 's check from XXXX for {$680.00} with check # XXXX from account # XXXX from my local branch XXXX ( Branch XXXX XXXX XXXX XXXX ). Right next door is a Wells Fargo retail branch office ( XXXX XXXX XXXX XXXX ) I opened an account and deposited {$680.00} using the XXXX cashier 's check to open the account. ( Savings account number XXXX. I tried to do online banking over the weekend ( XX/XX/XXXX2016 ) however I could not transfer money like I was supposed to. I knew there was something wrong and went to the Wells Fargo Bank on Monday XXXX/XXXX/2016. 

On XXXX/XXXX/2016 I went into the Wells Fargo bank, XXXX XXXX informed me that my new account was on hold because their fraud division suspected something funny with the XXXX cashiers check I received from XXXX. I called the Well Fargo Fraud division, they told me I need to get a letter on XXXX letterhead stating the check issued for {$680.00} from XXXX was from them verifying it was a legitimate check and the funds were available from XXXX. 

That same day I went next door to the retail branch of XXXX, the same XXXX that issued the check and spoke to the Branch Manager XXXX XXXX XXXX, he told me he could not write such a letter from his branch office. I sat in the office with XXXX XXXX and my Dad XXXX XXXX XXXX XXXX, we called the XXXX help line with the help of the XXXX branch manager, we spoke to customer service, they could not write a letter as needed and describe above too, the call was escalated to the XXXX retail escalation department. I spoke with XXXX XXXX XXXX, she too told me she could not write the simple letter needed to verify that the Check written from XXXX for {$680.00} that closed my account was written from XXXX. 

All of the XXXX employees told me the funds has been 'cashed ' encumbered by Wells Fargo already and the amount of {$680.00} and had gone through the banking system. I went back to the Wells Fargo retail branch XXXX, where I open the account, spoke to XXXX XXXX XXXX XXXX, he said since the account is now in the hands of the Wells Fargo fraud division there was nothing he could do. 

When my Dad asked what would happen if we just closed the account and went to a new bank XXXX XXXX XXXX XXXX XXXX said I would not be able to open an account at any bank since I would be on some list that would brand me as trying to cash/deposit fraudulent checks. And this information would go through out the banking system. 

I did nothing wrong, I worked with XXXX national banks, gave them legitimate checks, XXXX bank will not talk to the other or write a letter or review the account to see if the check has cleared. XXXX bank ( XXXX ) says the funds are now with Wells Fargo, Wells Fargo will not acknowledge that, they will only take a faxed letter on letter head stating from XXXX the check deposited at the local Wells Branch is a good check and that it comes from XXXX. XXXX will not write that letter to me. Why, I do not know.
Back in XXXX of this year, Seterus XXXX opted me into a coupon program and stopped providing me with online statements. I had been paying on their website at the time and was retrieving my statements online. I did not ask to be opted into the " coupon '' program. I called in XXXX to have this resolved and was told that they were sorry. Then they opted me out of the coupon program and said I should be able to view my statements online. Subsequently I stopped receiving statements of any kind. I no longer received the paper statements by mail and was still unable to view statements online. On XXXX XXXX I called again and was told they found the problem and my XXXX statement would be available. I called on XXXX XXXX and was told that the statement had n't been issued yet and to call back in a few days. I called on XXXX XXXX and was promised a call back. I never received a call back. I called in again on XXXX XXXX and was told they had reached out and to check back in XXXX. I have asked to speak with a manager on multiple occasions and they have refused. To make a long story short, I 'm extremely frustrated. Calls to Seterus are getting me nowhere. I have spoken with XXXX at ext. XXXX and XXXX at ext. XXXX among others. I believe if I 'm paying them they have to provide me with a statement but they are unable or unwilling to provide this statement.
Requested credit report from TransUnion. Upon receipt of report, found XXXX items ( i.e., liens ) on the report which did not belong to me. I obtained copies of court records showing that the XXXX liens reported by TransUnion on my credit report were not mine but, rather, they were liens belonging to other individuals. I contacted TransUnion and filed a dispute, file # : XXXX, with them. I also faxed to TransUnion the copies of court records showing that the liens were not mine. Nevertheless, TransUnion removed only XXXX of the XXXX erroneous entries on my report. To make things worse, TransUnion instead deleted a positive record from my record ( a bank loan, " never late '' and paid off ). Are these people idiots?!!!
Since I 'm a  Costco Wholesale Club member I did try to get the Costco Anywhere Visa accou nt, which is administered  by Citigroup , Inc but my application has been rejected because I filed for bankruptcy more than 13 years ago and in the process, its was included a previous account I had with Citibank. It looks to me as if they do consider filing for bankruptcy as an illegal act and I would like you to clarify my thoughts on this matter.I did send a letter to them dissenting with the decision they did take and remembering to them that Citigroup , Inc. along with others finances institutions almost sank the whole economy in the USA i n   XXXX   and did n't file for bankruptcy itself because the government by the time granted them the astronomical amount of  XXXX . Ir onically, I do have a Best Buy credit account which is managed by Citigroup and by the way, my credit score is  more than  XXXX .
Back in XXXX I made an arrangement with the collection agency they offered me XXXX to pay in XXXX installments, I paid XXXX dollars and the remaining XXXX was supposed to be paid sometime in XXXX. I gave them my checking account information but when I was away on vacation my checking account was compromised so I closed the account, when I got back from vacation the collection agency called my job, I asked them to not call me at work, if they needed to get in touch with me they can write to me. I explained to them what happened and I also told them I could not pay the balance of XXXX they said they would contact the original creditor and see what they wanted to do. To this date as of XXXX XXXX, XXXX I have not received anything in the mail but I got a phone call again at my job, on XXXX XXXX, XXXX they did not provide me with their name only the company name they threatened to speak with my human resource department When I called back I spoke with a XXXX XXXX who is a supervisor at the company and I told her I was sending the company a cease and desist letter I also faxed a copy of the cease and desist letter to them and I also emailed the cease and desist letter I also told XXXX XXXX if they needed to get in touch with me to send me something in writing my mail and she said they dont do mail only by email, so she sent me a payment letter saying that I agreed to pay XXXX by XXXX XXXX, XXXX which I did not agree to. XXXX XXXX is also accusing me of giving her a fraud checking account information. Please see attached the letter they sent me for payment, the cease and desist letter along with the fax copy page