WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a citi bank credit card for 10 years. The lending amount is XXXX {$.00} In 10 years I have charged and estimated amount of {$7300.00}. I have paid on this card in 10 years an estimated {$13000.00} with {$7000.00} of that being interest alone. In XX/XX/XXXX Citi bank raised my interest rate for 12.44 % to 14.99 % and I am unsure why. I also lost my job in XX/XX/XXXX and have lost a total of XXXX per year in income. I would like to negotiate a settlement with Cit Bank to pay off this credit card but they are saying I am ineligible for a settlement. I have never missed a payment and have had XXXX fee assessed to me in 10 years. Can you help me negotiate a discounted payoff?
XXXX XXXXXXXX XXXX - Account # XXXX and XXXX. 
I have all the paper works since I started to disputed this account. 
Unauthorized charges. And I place a fraud alert on my credit report and freeze. 
I did settle my account because is under my name and they said its my obligation to pay for it.. Even you dispute the transactions to them since last year. since I found out that my bank account is getting lower my balance so I call my bank XXXX XXXXXXXXXXXX XXXX and they said they will do the investigation and I submit to XXXX XXXXXXXX XXXX the evidence still they don't do anything on my credit report till now ... 
XXXX XXXXXXXX XXXX promise me to pay off then they will removed right away on my credit report.. 
But till now still there ... 
Please help me for this situation..I 'm stressing out already I paid already even those not my charges..fraud.. 
u can email me if you any more questions. 
I send all the documents that I have ... 
Thank you so much..
I have disputed to the creditors and a fraud alert and freeze were placed on all XXXX credit reports. I will like these creditors to investigate my personal information and credit inquiries for a third person using my information to commit fraud.
This new complaint is in response to a recent one ending in XXXX against Clarity Services. Their response to me was robotic and made no sense whatsoever : " In response to this complaint, on XX/XX/XXXX, Clarity Services Clarity contacted the consumer to request the information necessary to assist with their concerns. On XX/XX/XXXX, Clarity contacted the consumer to assist with their concerns. On XX/XX/XXXX, Clarity received the information to verify the consumer. On that same day, Clarity processed their dispute request. As of XX/XX/XXXX, the consumer has not requested any further actions be taken with their file. '' I was and am disputing within CFPB 's platform. I already stated from the BEGINNING what my complaint and desired resolution was : an inquiry that's illegally reporting and needs to be deleted immediately! So what in the world were they talking about that " consumer has not requested any further actions be taken with their file ''??? That's not true. Moreover, I have no clue where this inquiry came from and Clarity responded to me with ZERO PROOF of where this rogue hard inquiry came from! The illegal inquiry was made by them on XX/XX/XXXX and needs to be deleted! It's unauthorized & not mine! My ID is attached!
I contacted each credit bureau to dispute items that did not belong to me that were reporting against my credit on XX/XX/2017. The only response that I received was from XXXX and they were able to remove all accounts I requested to be removed. It has been well over 30 days and I have n't received any information from Equifax or XXXX at all.
on my credit report there appears a claim by XXXX XXXX. 

for YEARS i have been sending the information to XXXX XXXX and to TransUnion that the claim by XXXX is a FRAUD. 

the credit card was obtained by the ex-spouse a XXXX XXXX XXXX by forging my information and signature on the application. 

again the proofv of the fraud/forgery was sent to not only XXXX  and TransUnion BUT ALSO TO THE CFPB. 

in fact the CFPB opened a case against XXXX Card 's debt collector for continuing to harass me to collect a debt based on a forgery done by someone else when they had the hard evidence of the forgery. See CFPB case CONSUMER FINANCIAL PROTECTION BUREAU, Plaintiff v. 
XXXX, XXXX XXXX XXXX XXXX, XXXX, to date XXXX XXXX and TransUnion have REFUSED to remove the negative reporting that belongs to someone else - the one who committed the fraud by forging the credit application.
My house flooded, I have received my insurance claim, and my bank is holding it. A few problems with this, for one, the amount of the check is for more than I owe on my Mortgage, legally my money. second is I have used my own funds to pay a licensed contractor to begin works, and filed all the paperwork in XX/XX/XXXX they are making to problematic to recoup my fund, 3rd they have questioned my Power of Attorney. Thus holding up transfers. The amount of money is XXXX total, they are slow to respond, and simply are taking way too long to get me the funds. So far only " releasing XXXX ''. They want to mail a check is 6 business days ... ..and continue to maintain they have not gotten paperwork that has been sent 3 times.
In 2009, I had a property financed with Bank of America that went into foreclosure. Despite the fact that the property was surrendered back to the bank, they are still reporting to the credit bureaus that I owe them XXXX in relation to this mortgage. I have tried to dispute this balance with the credit bureaus, but Bank of America continues to tell them that I owe them $ XXXX, despite the surrender of the property.
This loan is illegal in the state. They have this on my credit report and would like it to be removed.They never sent me any verification of this debt. When I would receive harassing phone calls at work and at home. I sent them a ceased and desist letter. And now it 's on my credit report. As Midwest Recovery System. I do n't have this loan. and owe them nothing. XXXX is what is owed. Please look into this matter. Thank you, XXXX XXXX
There was XXXX {$5.00} charges on XXXX XXXX, 2015, then on that day I transferred funds to my other bank account removing {$120.00} instead of {$20.00}. I expect that my mistake would cost {$35.00} for the one problem however at close of day although the XXXX {$5.00} XXXX purchases were a small amount and there where plenty of funds to cover both, the {$120.00} was processed first to ensure XXXX chargers of {$35.00}. That is over {$100.00} fees for one mistake. The bank, knowing I have had issues in the past feel they can not make an exception. I do not feel this is a fair way to do business,
I have an account with my daughter, not only was it her student loan money the account had under XXXX dollars, which by New York State law is exempt and the creditor can not take this money. Also on the NYS Collecters Association there is an explanation on how certain money in the bank is exempt. I explained to the bank and the third party creditor and none of them knew this law existed. I believe the money was taken out against the New York State Levy Laws.
I have been communicating with both my servicer and guarantor due to a fraudulent " notice of default '' claim that was filed and paid. I am now inelgible for financial aid eventhough I never defaulted and had just come off a forbearance period when the claim was filed. Both companies continue the point the finger at the other. Today, I called and spoke to a representative named XXXX who refused to provide additional information. I asked her what dates are listed as my loans being delinquent on the claim XXXX  filed. She only referred me back to them. She stated she is only in collections. I informed her I am versed in how collections work and that a company must substantiate any claims of delinquency by providing the dates an account was in default. She refused to tell me what information was on the claim filed by XXXX. I told her having that information would allow me to submit proof of my forbearance period to get my loans taken out of a " default '' status. I have made payments to both XXXX and ECMC within the past 8 days. ECMC is refusing to accept my proof of non-default which is preventing me from receiving financial aid. ECMC is not willing to update my loan status even though they are aware my account never defaulted and that they paid on a false claim.
On about XX/XX/2017 I had a American Express Serve pre paid credit card I used for purchasing items and Renting automobiles at certain times, I actually lost the card and I contacted customer service as soon as I lost the card, They really gave me the run around for about 3 to 4 weeks, They also were suppose to send me a new card with my funds to be transferred onto the new card, but nothing happened. Money is still on the card there was {$2000.00} on the card, I am asking for the amount that was on the card. Thank You XXXX XXXX
XXXX XXXX XXXX XXXX XXXX , XXXX, had my check garnished without sending letters, making calls or returning calls to first try to settle this debt. This debt is owed by me and my soon to be ex-wife and only my check had wages garnished from it. This company did not make one attempt to call, just sent a letter to my employer direct for garnishment.
I made an online payment of {$80.00} on XX/XX/XXXX to my line of credit with XXXX XXXX XXXX ending XXXX using my checking account at XXXX XXXX XXXX ending XXXX, the payment was not applied correctly and I have been calling many times in order XXXX XXXX XXXX make the correction and not succeed. I have been paying same way since XX/XX/XXXX with not problem till now, XXXX  XXXX XXXX is reporting negative information to credit bureaus hurting my credit scores. XXXX  XXXX XXXX did withdraw the money from my checking account on XX/XX/XXXX and they are not giving me any solutions.
I was questioning some information reporting on my credit report from XXXX so on XX/XX/18 I sent them a letter requesting more information this account for example statements etc. They responsded that what they are reporting is accurate. I'm sure they feel that way but I'm doubtful of all the data which is why i'm requesting the information.
I was contacted by Nations Recovery Center in XXXX XXXX in regard to a debt that was charged off in XXXX. XXXX XXXX called saying that he was collecting this debt and that I need to pay the entire debt of {$7400.00}. 

I requested supporting documentation to prove his firms right to collect the debt. 

2 weeks passed and after my receipt of supporting documents to prove he had any right to collect the debt, he again contacted me. We had come to a verbal agreement of {$3200.00} and he was to email me a settlement letter to sign with that amount. 

2 weeks passed and instead of receiving the settlement letter from XXXX XXXX, I receive an emailed settlement letter from XXXX XXXX and a XXXX XXXX CC'ed. It 's for {$5200.00} I feel the false statements by all parties named has caused a real problem. I am not sure who to believe or whether this is a real company. They may have the same dotcom but all contacts have different phone numbers and none seem to know what either is doing.
Called Carrington Mortgage spoke to 2 managers sent DM on XXXX on XX/XX/18. Credit report shows missed XX/XX/2018 payment, payment was made on XX/XX/2018 not the first time reporting incorrect information, their process is to file dispute wait 30 days. This seems to be a reoccurring problem
Fein Such and Crane debt collection attorneys are trying to foreclose on my home illegally. They have not provided any copies I have repeatedly requested over the past 6 going on 7 yrs they have filed papers foreclosing with XXXX XXXX XXXX as owning the note which they dont. They have failed to produce the note as requested
I went to XXXX XXXX to get an XXXX inspection for a XX/XX/XXXX Mercury Grand XXXX and a computer reset. State law requires the car to be driven before inspection w and the fact that it takes up to 100 mile for the computer to reset and give a reading on passing or failing inspection. I had already had a diagnostic from XXXX XXXX saying that my egr valve and spark plugs needed to be replaced which I had repaired in XXXX and XX/XX/XXXX. Also, I bought a battery since it had a dead cell in it. XXXX XXXX said that they had a dealer tag and would drive the 100 miles needed to reset the computer which I was glad to pay for. Unfortunately, they did not drive the car because the odometer was the same XX/XX/XXXX as previous inspections XX/XX/XXXX. What they did do was damage my car so that they could use body parts from a Lincoln continental for repairs on my car and make {$680.00} I told them that I would pick my car up, but I was 10 minutes late and XXXX threatened to leave. I quickly paid for the ticket {$190.00} without seeing the actual paper work because I was rushing to prevent the tow truck driver from leaving. I thought that they had driven the car, but when I went back the next day to get the repair ticket they had charged me for other services including the inspection but had not driven the car as I had requested. I told this to Wells Fargo who credited my visa debit card and a few months later charged it back. The told me that I needed a second opinion about repairs even though I gave them evidence of the previous inspection and the one done by XXXX. showing the exact same odometer readings the same on XXXX and a brochure from XXXX XXXX stating state law. I gave them a letter from XXXX a car repair shop stating that driving the car had to be done in accordance to state law before inspection and they charged {$110.00} to reset automobile computers on their machine. Now my checking account is in collection with Wells Fargo who says I need a XXXX opinion to dispute a charge of not getting the services that I paid for which is a violation of the visa rules regarding purchases. I notified them the next day after I saw what I paid for on XXXX XXXX and paid for it XX/XX/XXXX.
The enclosed Assignment of Mortgage filed in the XXXX of the City of XXXX on XXXX XXXX, XXXX, was manufactured in order to pursue an illegal foreclose action. 
On XXXX XXXX, XXXX XXXX was [ XXXX ] ot licensed or registered to operate in the State of New York according to the XXXX ( XXXX ) whom can be reached for this verification at ( XXXX ) XXXX ( Monday through Friday, XXXX to XXXX ). 
XXXX and XXXX did [ XXXX ] ot exist on XXXX XXXX, XXXX and XXXX XXXX was [ XXXX ] ot an employee ( Assistant Secretary ) of Mortgage Electronic Registrations Systems, Inc ( MERS ) on that date. MERS is a shell corporation with no employees. 
XXXX XXXX was also showing to be an employee ( Assistant Vice President ) of XXXX XXXX XXXX on the same exact date of XXXX XXXX, XXXX. 
XXXX Mortgage, XXXX publicly went out of business as per its Chapter XXXX liquidation filing under its bankruptcy. XXXX also went out of business in the year XXXX. 
Additionally, XXXX XXXX also signed the enclosed Assignment of Mortgage as an ( Assistant Secretary ) for XXXX on XXXX XXXX, XXXX. XXXX publicly went out of business in the year XXXX.
I bought a Netspend card at XXXX in XXXX, MA on XXXX XX/XX/2018 at XXXX XXXX  for {$68.00}. I called the company and activated it then attempted to use the card but It wouldn't work. I called Netspend back and tried to resolve the issue the same day. I ended up asking for a supervisor. While talking to him they said they could issue a refund and it would arrive in 7-10 days. I told him that would take too long and asked if there was any other way to resolve this sooner. he said no. I then informed him I rather keep the card and he told me it was too late they had already cancelled the card. Since this started I have spoke to Netspend around 5 times and XXXX around 5 times as well. It's been 17 days and I have yet to receive a refund. There is no tracking number and no one will further assist me. At this point Netspend constantly claims " you will receive it by mail tomorrow, '' which is never true and XXXX refuses to help at all aside from telling me to call Netspend. Hopefully you can hold XXXX responsible as well as they refuse to take any responsibility at all. I just want my money back and I feel like I have been robed by XXXX and Netspend. Neither seems to care at all.
I have disputed the accounts on several occasions asking for verification of the debt, update the account status to paid ( I sent the paid letters to the original creditors ) or delete account information because it was reported by a collection company on the credit report. Each request has only come back ( from the original creditor ) account information is updated ; nothing ever changes. My main issues are with XXXX XXXX and XXXX XXXX XXXX. Each time I call to speak to a representative about updating the status to paid, they tell me they I will have to call different departments because not all of the accounts are in one place ; although, the address to all accounts are in Florida. PRA refuses to update the status or delete although the items are paid and the original creditors are still reporting as well. XXXXXXXX XXXX is also reporting some of their accounts as well as the original creditor. XXXX XXXX is the last creditor.
I disputed with the CRA onXX/XX/XXXX ; XX/XX/XXXXand XX/XX/XXXX
For multiple reasons I have concerns with this account the first is that I never received any documentation that this account was being placed for collections. 

My other concern the debt that was on my account is a result of a workplace injury. I initially disputed as soon as it was placed on my XXXX account and it was removed immediately. At the time I did not know that I was unaware that I needed to dispute with every creditor. I recently disputed with XXXX  and the company simply send back that the account is accurate and undated the months reported to have 11 months per year state No Data. I then reached out to XXXX  again and the result was the same. I called XXXX and the representative told me that " she doesn't know what XXXX  or XXXX does but XXXX  doesn't do any investigations. '' I was only able to dispute the account again. 

To date the account has not been removed from my account it is totaled at XXXX dollars and is held through XXXX XXXX.
I used the bill payment service offered by XXXX in XXXX to make payments to my credit card account at XXXX  ( the receipts and details for those transactions are below ). Later, XXXX issued a partial refund of one of those payments back to XXXX. XXXX received {$410.00} on XX/XX/XXXX from XXXX, with the ACH trade ID number of XXXX. The document enclosed shows that ACH transfer and includes the ACH trace ID number. I have contacted XXXX multiple times about this refund and they refuse to even investigate it without me providing the XXXX account number that this refund was processed to ; however, I do not know this number and I can not obtain it. XXXX will not provide the XXXX account number because I am not the owner of that account - XXXX is. XXXX can confirm the transaction for {$410.00} using the trace ID number, date, and amount that I provided, verify that transaction, and refund those amounts to me. They have not responded to multiple requests for this. 

Here are the original reference numbers for the payments I made to XXXX using XXXX  : reference number - XXXX XX/XX/XXXX - {$4900.00} reference number - XXXX XX/XX/XXXX - {$4900.00} I am also attaching my receipts for these payments.
My name is XXXX XXXX last 4 of my SSN are XXXX date of birth XX/XX/XXXX. I have no idea what these judgments are and have requested verification and validation of debt, but still have not got a response nor have been provided proof of this. Please consider this a direct dispute and the information being reported is wholly inaccurate. XXXX needs to get proof this is my judgment or remove from my credit
On XX/XX/XXXX I received a letter from Cain & Weiner for an outstanding debt with XXXX   insurance company stating I owed XXXX. I sent a certified ( tracking number XXXX ) letter back on XX/XX/XXXX to demand validation of the debt and to instruct them not to call me and to only communicate via US Mail. The letter was received and signed for by a XXXX XXXX on XX/XX/XXXX. I did no receive a response back until XX/XX/XXXX well past the 30 days they had to respond to the validation of debt letter. On XX/XX/XXXX i received a call from Cain and Weiner on my work supplied cell phone even though they had received the letter instructing them to not call over 60 days ago.
This is a continuance of complaint number XXXX. Huntington Bank has never responded to my account complaint of monies being removed from my account first via unwarranted late fees now by duplicating previous charges made on my account and removing money that way. On XXXX/XXXX/2016 I check my account it had at that point $ XXXX.+ in it. The next day todayXX/XX/2016 it now has {$1400.00}. I have n't made any purchased and items from another day the entire charges made on XXXX/XXXX/2016 are false. This is a continued effort from what can only be a criminal group which keeps removing monies from my account and for some reason i ca n't get the bank or CFPB to get Huntington to do a complete audit just like I could n't get XXXX XXXX XXXX to do likewise when clearly monies was being removed from my account. This clearly is some type of criminal organization as I have a tax refund of {$990.00} from the IRS but without any explanation they keep stating I used the Hope credit which I clearly have n't and audited me. I used the company XXXX which when audited they represent you but for some reason they did n't even though they pretended to do so and had everything they need to show audit is incorrect. Money is being stolen from me and even though I write, complain and refer the acts to organizations like CFPB, FTC, etc. nothing gets done until years later the news reports what I reported years earlier.
I had my purse stolen a month ago. After immediately calling police, we called PNC bank to report the theft. They froze the account and alerts were placed on it. We went in the next business day to open a new account. Later that week a teller from another branch disregarded the alerts that were still on our account and handed the thief with my ID {$1800.00}. They opened up a new account for us again, but now are holding all of our money because of their " investigation ''. Meanwhile, the teller that screwed up is getting paid for her work and we ca n't cash checks, ca n't deposit and have access to it, and checks already put out there by us are bouncing, making it impossible to live, pay bills, buy groceries for our kids. I 've been a loyal PNC customer for almost 10 years and they have kept saying there 's nothing they can do. Even though THEY screwed up and I had alerts in place. I did everything I was supposed to do and we were told we 'd be taken care of. THIS is not being taken care of as valued customers. THIS is like we are the criminals. They never even had the courtesy to notify us that this may happen or to give us a solution or option in order to continue paying bills and buying needs for our family. We have credit scores in the XXXX, own our own home for 10 years and my husband is a XXXX and I am a XXXX of XXXX little kids and also a XXXX. I wrote a XXXX page document on all the details surrounding this including our police report and the conversations we 've had with bank employees. We need help. Thank you.
Bank of America is in the process of closing my account. I have $ XXXX in my checking account that they will not release to me. I 've called the number directed to call and left several messages. No one has responded with any information. I went to the branch and advised to call the XXXX number again. I want my funds released to me