WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I was XXXX XXXX after an eight-year term from the military. After which, I fell into debt with XXXX. Late XX/XX/XXXX the account was sold to XXXX, XXXX XXXXGlasser & Glasser PLC XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) and they filed a court case against me with the state of Maryland where an affidavit judgment was entered in their favor because I was never served with the court documents. Nonetheless, early XX/XX/XXXX, I received a letter and numerous phone calls on behalf of XXXX from Glasser and Glasser, P.L.C ( XXXX XXXX  XXXX, XXXX, VA XXXX ), a collection agency, regarding the debt for approximately {$8000.00}. After numerous calls, we agreed that if I were able to pay {$3000.00}, they would render my account paid in full. 

On XX/XX/XXXX, I made a payment of {$3000.00}, received a confirmation letter and assumed the case had been closed ( see attached ). 

Apparently, they never closed, updated or notified XXXX or the credit bureau of my payments. On XX/XX/XXXX, I received another letter from Glasser and Glasser regarding the same debt from XXXX, citing a {$7500.00} balance, noting that they had been " authorized to accept {$3700.00} to resolve your above-referenced account if your funds are received in our offices on or before XXXX, XXXX, XXXX ( see attached ). '' I called immediately to dispute the claim and cite the error. However, the representative told me that they were not mistaken and while the payment had been made, I still owed XXXX ( Glasser and Glasser ) the full amount. After a lengthy back and forth ( three phone calls ), I was told that I would be contacted by someone from their department, which never happened. 

Much to my dismay, on Friday, XX/XX/XXXX, I received a thick, white, 11x13, envelope from XXXX ( XXXX XXXX  XXXX, XXXX XXXX, OH XXXX ) which included all of my previous statements ( approx 200+ pages ) with a letter citing the following, " we researched the dispute of liability for the above-referenced account. We found the account and balance to be valid. '' " ... We have forwarded our findings to Attorneys Glasser and Glasser PLC ... '' ( see attached ). 

Additionally, the following day, Saturday, XX/XX/XXXX, I received a similar package ( Manila envelope 11x13, 200+pages ) with all of my statements from ( XXXX XXXX XXXX, XXXX, VA XXXX ). The cover page indicated that I owed {$7600.00} and " ... that interest is accruing at the rate of 10 % per annum. ''
I cancelled my previous Citi Costco card earlier in XXXX XXXX, 2016 after a call from Citi fraud for a charge for XXXX cents. I was told there were no other suspicious charges. I was told to check my statement for any other suspicious charges. There was a cash ATM withdrawal for {$600.00} from XXXX XXXX that same day. I was told it would be investigated. I got a call on XXXX XXXX from Citi from a XXXX number saying they were investigating my case and wanted my social security number, and asked to send my wife 's and my driver 's license by fax. I told them to email me as it seemed suspicious. They said they would email to my gmail address on file. I did not hear anything for 2 days and called the citi customer line on XXXX. The agent I spoke to said that no one from Citi had contacted me and it was likely fraud. He told me to report it. I reported it to my credit monitoring agencies and put a complaint with the FTC and Social Security Administration. He also told me that the charge of dollar XXXX was resolved and I would be credited the amount back to my account. I signed up for extra ID theft monitoring based on what he told me that it was likely ID theft. 
You can imagine my surprise when I logged into my account on XXXX XXXX, 2016 and saw that the investigation was closed and I was liable for {$600.00} + charges. 
I make XXXX a year and as a household we make XXXX a year. I nor my wife do not need to withdraw cash from an ATM with a credit card. We are not stupid to pay a {$35.00} charge for withdrawal from an ATM. We had not even set up a PIN for cash withdrawal. 
The only reason we have this card is because we have Costco and this is their new card. 
I called on XXXX/XXXX/2016 and was told the Citibank Security Ops dept was closed. Apparently no one else can help me. Thus I am filing a complaint with the CFPB. 

Sincerely XXXX
After the death of my son, CB1 collections contacted me, I offered to pay {$50.00} a month until I could pay it all off, they told me that was not good enough and they would not work with me. Months later they sued me, and are now threatening to garnish my wages, after talking with them in XXXX I told them I would pay them off completely in XXXX with my students disbursements, but I would also pay {$50.00} until I recieved the money to pay it off [ about 2 payments ] they again said no. 

CB1 and XXXX XXXX XXXX XXXX : {$150.00} XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX
Purchased storm shutters on  XXXX / XXXX /  XXXX   from   XXXX   XXXX   XXXX   store located at  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , Florida  XXXX . With  Wells Fargo cred it card. After purchase, there is a sign that says, " you will be loaded by staff ''! So I had no control of the loading procedure. My problem was that after I purchased the storm shutters in good faith, the loading crew switched my shutters with another persons shutters. Please be aware that shutters are purchased to fit a particular size window. None of the shutters they loaded me with fit my windows. I returned the next day to inform them of their mistake and I just wanted the shutters I had purchased. I was in formed that n  o manager was available to return the order. Then I was told that I would have to purchase new shutters and speak with a manager about a refund since it was the loaders fault for the mix-up.
I purchased a second set of shutters believing I would get a full refund for the mix-up. No manager responded to my calls as I live out of town and the shutters were for an investment property. I contacted Wells Fargo and they placed a temporarily   credit to the credit card. After some time they reversed the card saying it was a valid purchase and I had no claim because the merchant had signs posted that all sales are final. My argument with them was that I never received the merchandise I purchased, I received someone else shutters, therefore there was no final sale. They  ( Wells Fargo ) informed me  that  XXXX  would do an investigation but when I contacted  XXXX  they had no knowledge o f Wells Fargo ev er requesting a dispute on my behalf. I called  Wells Fargo ba ck and was told it could take up to 6 months for  XXXX  to complete their investigation. To this d ate Visa denies any correspondence from Wells Fargo and I have been double charged for an item I never received the first time that I paid for. Then I received a letter from Wells Fargo sa ying the credit That I received would be reversed causing me to pay for the loaders mix-up. They told me that this decision was final.
I received my annual free credit report from XXXX XXXX, XXXX, and Experian credit monitoring / reporting service. After obtaining my free annual report. I discovered each credit reporting agency had reported my name incorrectly, address incorrectly, etc. 
I notified each individual reporting agency of the issue. I submitted a dispute on each item I wanted verified and or corrected. I receive my report by mail today from XXXX XXXX. XXXX XXXX never corrected any of the information I submitted a dispute about. 
As a result this will allow individuals with similar names to possibly use my identity. This company also has my address listed as an apartment. I notified them that my residence is not an apartment and I have never lived in an apartment yet, they continue to leave incorrect information on my credit report. I need this matter investigated and corrected.
Received emails and I asked them to send me something in the mail and they kept on emailing as if they wanted to annoy, then started calling and I asked them again! Then they waited a week and the calls started again! It was for a XXXX XXXX account
I was looking over my report and I seen some company that I do not recognize XXXX XXXX, XXXX XXXX. I have never done business with company and I demand to see any and all documentation to make sure I am not being confused with someone else. 
I would like these account blocked FCRA 605B ( 15 U.S.C. 1681c-2 ) from my credit report asap. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with accounts.
In XX/XX/XXXX I applied for loan to refinance my home. I wanted to pull a small amount out and do repairs on my home built in XXXX. Got thru the process until it came time for OCWEN to provide pay off. I was told at that time that the pay off would not be the actual payoff, that I needed to pay OCWEN 25 % of equity the house accrued since my XXXX. Modification. The housing market at that time priced the home at about {$320.00}. OCWEN Wanted me to pay for an appraisal because they felt the house was worth about XXXX. I wouldve had to take out an additional XXXX {$60000.00} to pay them off which I could not afford. So they would not give the mortgage company a pay off and I was stuck. XXXX provided me with a copy of the loan and he did state I have to pay 25 % back. Although I cant imagine I wouldve agreed to pay 25 % of the equity in my home upon selling refinancing or giving it away and or giving inheritance. No lawn company will touch my loan.
XXXX XXXX, keeps doing inqiries on my credit report with out my concent the dates are XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I never give my SSN to any company unless it is for a credit apllication. 
So how did they get my SSN?
I opened a Citi Checking account online. Afterwards, I have so much trouble to set up the online access. After several hours of calling and spending on the phone, I finally gained access to my checking account. Citi disclosed that it has encountered technical problems which lasted almost two weeks. 

However, when I tried to link the my Citi Checking account to my another bank account, Citi bank asked several questions trying to verifying my identity. The questions are all pertinent to my XXXX children. I have not been in contact with them for almost twenty years and I have no idea when they are. Because I cant ' answer the questions pertaining to my children, I was denied the link to my other bank account. 
The questions chosen by Citi Bank are arbitrary and capricious.
XXXX # 1 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX  # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX  XXXX  # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX   # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Transunion TU # XXXX XX/XX/XXXX sent, response recieved, XXXX  XX/XX/XXXX, no changes TU # 2 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes TU # 3 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes TU # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes TU # 5 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Once you have seen and read the multiple attempts utilized by me to correct the problems please hold credit bureau in question accountable for their willful disregard for the legal law I have afforded to me under my rights as to have negatives items deleted from my credit report. 

The credit bureau in question is also quite adept at responding to my multiple attempts to have them remove negatives on my report with answers to questions I have not asked them, while not addressing the issue I state in my multiple dispute letters. again Please Please don't allow them to get away with these deceptive ploys and misdirections. 

I as a consumer don't have the legal power and authority that you have. Again in closing please simply see read my attached documents for best description of my complants with credit bureau in question. Thank you.
I am not liable for the Navy Federal Account # XXXX. It is my husband 's account. I filed Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. I currently should not have any Charge Offs on my credit file at all. The date the first major delinquency occurred was in XX/XX/XXXX for my husband 's account. Instead, Navy Federal chose to place the date of filing to re-age the debt this is illegal. They are also furnishing erroneous information disputed to the Credit Bureaus intentionally a violation of my rights under the FCRA. They are showing a Charge Off with a balance due on an account that was my husband 's included in his bankruptcy filing trying to make me responsible for his debt. The attached dispute is the XXXX XXXX is over 45 days. Navy Federal verified the information on the report as valid when it is not. Multiple legal violations of FCRA and of my Chapter XXXX injunction, intentional misrepresentation of a debt to attempt to collect. They also re-aged the other account modifying the date of first major delinquency. Notice the account was added after my husband XXXX filed for Bankruptcy in an attempt to collect the debt.
LOAN  #  XXXX   LOAN  MODIFICATION WITH  OCWEN  

ON  XX/XX/XXXX  WE  REQUEST  A  BASIC  LOAN  MODIFICATION  FROM  OCWEN  LOAN SERVICING  www.ocwen.com  TOLL  FREE  XXXX   AFTER  6  MONTHS  WAITING  THEY  OFFER THE  NEW  PAYMENT  PLAN  BUT  THEY CHARGE  US  OVER  USD  9000  AD  TO  THE  PRINCIPAL  WITH  OUT  ANY  INFORMATION  OR COST  DETAIL    MY  HUSBAND XXXX XXXX  NEVER  AGREE WITH  THE  USD  XXXX BUT  TO  AVOID  MORE  CREDIT DAMAGE AND DELATE  THE  PAYMENT WE  SIGN A  TEMPORARY  AGREEMENT WITH OUT A  LAW FIRM  AND  WITH  OUT  NOTARY  - ON  XX/XX/XXXX  OCWEN  SUPPOST  TO  GIVE  THE  INFORMATION AND  AFTER  2  MONTHS WAITING  STILL  WE  DO NOT  HAVE ANY INFORMATION    ALSO  EVERY  MONTH  THE CHARGE  US  USD XXXX  ESCROW  FOR  XX/XX/XXXX .  
ALSO  OCWEN  REFUSE  TO  PROVIDE  THE  XX/XX/XXXX PAYMENT  REPORT  FROM  US    WE  DO  NOT  KNOW  HOW  MUCH  WE  PAY FOR  PRINCIPAL  YET    . OUR  LOAN  BALANCE  ON XX/XX/XXXX  WAS  USD  XXXX  AND  NOW  IS  OVER  USD XXXX
I requested that this debit collector validate that this belonged to me that I never received information from them that validate I had to pay. I did not have a contract with my signature with the collection agent to entitle me of the debt
Took out loan in distress. Later contacted company to halt payday withdrawals as I could not afford them. Requested multiple times to cease all contact to me. Failed to do so harasses me daily.
I have been challenging the inaccurate and incomplete items in my file with Experian to no avail. It has been a long journey but now I am stuck not knowing what else to do. This inaccurate and Incomplete information in my report is causing me harm.
XX/XX/XXXX we signed a mortgage. It had a balloon payment due XX/XX/XXXX. 
We had forgotten about our balloon payment and when we made our XX/XX/XXXX payment in XX/XX/XXXX, Ocwen refused to process it. We tried to make another payment, but they still refused to process it. We were informed we had a balloon payment due and they said we needed to pay the balance in full. Because they would not process our payments, we were past due on our mortgage and so we could not qualify to refinance our home. We thought if we filed Bankruptcy we could save our by entering into a payment arrangement and they would not allow it. Our home has been foreclosed on and is due to be sold XX/XX/XXXX. We have also found that that mortgage was recorded on the wrong piece of property. It was recorded on a piece on land we own next to our home. Now the attorney said they are going to take both pieces and our home. This is not fair as we did not sign over both pieces of property for our home loan. We desperately need you help
Roughly 3 yrs ago i dated a woman that wrecked her vehicle. The nice person i am, co-signed for her to get a loan on a new vehicle. Within a month we had split up and she had stopped making payments on the loan. Eventually the vehicle was repossessed and we both now have a bad mark on out credit score. Some months later i contacted this Exeter finance company to try to find out what i need to do to take care of this issue. They were very rude and would not work with me at all on settling. The only thing they told me i could do was pay the loan off in full. Now i am trying to get a house loan and this Exeter finance company is keeping me from getting the loan i need. I contacted Exeter the other day ( about 3 yrs from the initial loan ) to once again try to find out what i need to do to resolve this issue and again they were very uncooperative. They would not give me any information on this loan saying it was a security issue because i was not the primary on the loan and i did not know the woman 's personal information even though i am still on the loan. I tried to explain to them that i have not had contact with this woman in years and have no way to get the information they require. They would not help me in any way and told me to hire an attorney. Now i am contacting the CFPB for help with this matter.
XXXX XXXX XXXX 
XXXX I made a payment in the amount of XXXX from my checking account. On XXXX the payment was posted and processed, with the funds taken from my checking account. On XXXX I reviewed my account balance online and discovered that Capitol One reversed the payment and charged me additional interest and charges.My checking account was charged, and I was not allowed access to the funds for credit purchases. As a result, I am now showing my account is past due in the amount of XXXX
Seterus Inc , has failed to abide by the servicing guidelines in connection with the  HAMP  and Non-HAMP loss mitigation options by the Treasury department in connection and also failure to abide by the   XXXX   XXXX   XXXX   underwriting guidelines published on    XXXX   XXXX  .      On    XXXX   XXXX   XXXX  , Seterus Inc , denied our mortgage assistance request and claimed that we did failed to provide a " hardship '' letter. The record reveas that on    XXXX   XXXX   XXXX     , the hardship letter was provided. Therefore  Seterus Inc  have provided false information in connection with a  Federal Program  in order to acquire a denial.     Upon receipt of  Seterus  correspondence, we contacted the servicer and was told that no other information was needed because were in receipt of a full package and that the loan was sent to underwriting.     Following this conversation few days later, the servicer changed recounted their explanation for the denial and claimed that the application did not reflect the correct amount of the  S.S Income  provided. Seterus inc, claims that the application reflects the e S.S.  Income of {$360.00} and the bank statement reflects other amount.     We explained to the servicer that the application reflected the correct amount for the following reasons : 1. Only i    XXXX   XXXX    executed the note and not my husband   XXXX   XXXX     therefore my husband income has to be reflected under " contribution '' and not appropriate to be reflected on the S.S  Income.      My husband provide all applicable documents in connection with the treasury department guidelines, as well as evidence of contribution and well explained. The bank statement reflects the amo unt i receive of S.S Income w hich is exactly what i receive, while servicer claims that i did not provide the full amount.  Servicer i s playing stupid and claims that I receive {$650.00} of  S.S Income  and also {$360.00}. The record revelas that the {$650.00} is my husband  S.S Income and n ot mines. He furnished, bank statements to prove this and also explanation letter.   It is obvious that  Seterus  continues to act in bad faith in connection with a federal program.     Be advised that the servicer denied our previous mortgage assistance request, although we abided by the trial payments. On the second payment Seterus cancelled the loan modification claiming that we did not provided the " PMI '' amount. We made two payments pursuant to the amount reflected on the approval however they claim that we had to add the PMI our selves.  Seterus  filed a lawsuit after the denial which is what they really what had in mind all along.     Seterus has acted in bad faith and we request that they reopen the mortgage request.
On XX/XX/XXXX, I initiated a wire for the amount of {$5000.00} US Dollars from my bank, XXXX XXXX  to my husband 's bank in XXXX, HSBC. The funds did not make it to his bank. After 2 weeks of waiting I decided to cancel the wire and the XXXX XXXX wire department requested a return of funds. On XX/XX/XXXX XXXX XXXX informed me that HSBC involved OFAC and that I needed to answer a series of personal questions for HSBC to release the funds back. On that same day XXXX XXXX  sent the requested information to HSBC. Again, XXXX XXXX asked for the funds to be returned. Everyday after the XX/XX/XXXX XXXX has sent requests to HSBC to return funds and has had no response. On XX/XX/XXXX, XXXX XXXX  informed me that OFAC had closed the investigation but still hadn't heard any responses to the requests sent by XXXX XXXX  to HSBC regarding the return of funds. Today it is XX/XX/XXXX and XXXX XXXX 's wire department has yet to hear any responses. I need my money back now! Wire Confirmation number that XXXX XXXX  sent the wire successfully to HSBC is # XXXX
My monthly mortgage statement shows " Outstanding payments, fees, and charges '' of {$15.00}. I tried to pay this {$15.00} in each of my XXXX and XXXX payments. I clearly wrote on each XXXX and XXXX payment coupon " Outstanding fees '' and " XXXX ''. However, Bank of America did not apply the {$15.00} to outstanding fees, as shown in the XXXX and XXXX billing statements.
The company is calling my job harassing my co-workers. I have asked them to only call my personal phone number, but they are ignoring my request. The item is already on my credit and I am unable to pay it at this time.
Check # XXXX for {$180.00} payable to XXXX XXXX XXXX 1. XX/XX/XXXX Check presented to my checking USAA XXXX. Account NSF, check returned and fee assessed for {$29.00}. 
2. XX/XX/XXXX Check presented to USAA and again NSF, returned and assessed 4 x {$29.00}. Fee for  XXXX returned check and 3 for items returned due to the overdrafts on other returned items due to the overdraft. 
3. XX/XX/XXXX Check presented third time. I have Direct Deposit and because there were funds now available the check was paid. The check should have been returned, XXXX processing information on front and back of check 3 times. 

I am disputing the payment by USAA and presentment by the merchant bank, XXXX, for allowing a check processed and returned two previous times. The outdated practice of allowing auto representment a second time has been considered in this case. However, the check would have been returned to XXXX XXXX after the second representment. At that time, this check would not allowed to be presented as an original deposit and especially an NSF returned two times.

These two banks are in violation of the banking rules.

I requested USAA return this check AGAIN and they have declined.

I want the {$180.00} refunded back to my account, as well as any other fees assessed due to this violation.