WillisBack/dataset-financial-user-claim huggingface dataset:
Before Citibank took over XXXX XXXX 's XXXX accounts, I notified ( in XXXX ) XXXX about my father 's passing in XXXX. They said that I did n't need to worry about Citibank issuing a card in his name when the time came, because he is no longer a member, and therefore not eligible for a card. 
But in XXXX, Citibank did issue him a card. The XXXX of us were on the account with my XXXX as primary. So I called to ask Citibank to remove my dad as primary and make my mom primary. During the XXXX call they said I had to wait til after XXXX ( when the takeover became official ) and they would take care of it. I called the week of XXXX and was told that all XXXX cards were to be deactivated due to his death and that a closing statement would be mailed. None arrived so I called again. Was told the billing period would n't close til XXXX and a statement would be mailed the week after. None arrived so I tried getting it online ... denied access. I called again. Meanwhile, I got a letter from a collection agency and when I called them they said they were trying to collect a debt from Citibank in my dad 's name. I did n't believe them and asked for proof ... still have n't heard back from them. I called Citibank to let them know that a disreputable collection agency was using their name and had somehow hacked my dad 's info from them ... only to find out that during my initial call (! ), Citibank actually had sent the account to that outside agency. ( Are survivors automatically classed as deadbeats?? ) I was, however, promised that the regular billing statement would be forthcoming. Many calls to Citibank later, I discover : 1. They have no intention of sending a statement to me ... they have " locked '' the account so that their own customer reps are blocked from seeing anything except the total due ( {$480.00}, according to them ) and can not request a statement be sent ... and that that has been true since my initial call. 
2. Their internal Collections Department is not dealing with this ( it went directly to the outside agency ). They forwarded me to their Probate Department. 
3. Citibank Probate Department has the account now and told me they are doing a " search of your father 's estate ''. They have no business trying to probate my father 's estate. To do that, Citibank must be trying to invalidate my parent 's Trust. ( I 've seen nothing in writing. ) All I ever wanted was a regular billing statement so I can review the charges and pay the bill. If we have to use my mom 's money to get a lawyer to defend their Trust, that will use up the money that is now paying for her XXXX. 
Every call I 've made, whether to XXXX Collection Agency or to Citibank, I was " offered '' the opportunity to pay immediately over the phone. And every time, I said I wanted a statement first so that I can review the charges and then send a check. 
Since it got sent to collections, I 'm assuming that Mom 's and my credit has been " dinged '' and I 'm a little bit upset about that too. 
Can you please just get Citibank to send me Daddy 's regular billing statement and allow me to pay this credit card bill the normal way?
The CC company, Comenity Bank submitted duplicate payments on two cards I have with them, XXXX and XXXX XXXX to my XXXX checking account. When I called, XXXX said it was a problem with XXXX. So, I then contacted XXXX who wanted to launch a fraud investigation, but instead I opted to stop the payments, so I could reissue a single payment. Comenity Bank charged me multiple fees for the returned payments, and after contacting them, refuses to refund those fees, even though it was their error, not mine and I have since paid the accounts up to date. When I requested the refund of the fees, they kept saying the payment was stopped-rejected, which was due to their error.
XXXX {$470.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) No contract Exist ... grave errorfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Little over 2 years ago I applied and received a loan mod for my FHA loan. I completed the trial period and was able to pay the loan on time. In the meantime I was no longer able to work due to a XXXX. I applied for XXXX, the waiting period for a court date was 2 years in itself. In the meantime my house hold income was also reduced because of a separation with my wife ( which is still the case ) reduced my monthly income, disallowing me to make partial payments to catch up my arrears. While I was waiting for this I was borrowing money from my parents to pay the mortgage in the interim. I did finally receive my XXXX last XXXX, 2015. I had to use my back pay to pay back my parents the money I owed them and still needed to pay more back to them. I ended up getting behind once again after 5 months or so as I was still paying everyone back. Once I started to get behind ( XXXX payments ) I immediately applied for a loan mod from BOA. During the pre-screening of qualifications they asked a series of questions. I also made clear to them that I did not know if because I had a mod. less than 2 years prior would I still qualify, based on that soley they said yes I would. 
A year went by they continually added hoops to jump through and in fact put hoops I had already jumped through in front of me again. At the end they said I did not qualify for a mod because it had been less than 2 years! Now I am at a point which I have to file for Chapter XXXX to catch the arrears up on my house. If they had told me from the beginning I did not qualify based on the initial information I could have went forward with the chapter XXXX and made it much more affordable to pay this back.
Hello, I cosigned a student loan for {$15000.00} on XXXX XXXX, XXXX, for my little sister, who is a freshmen at the XXXX XXXXXXXX University - XXXX XXXX XXXX XXXX campus. I have great credit ; however, I am currently in between jobs at the moment and part of my income is derived from unemployment insurance. I believe the company denied our request for a loan due to the fact that my income derives from a public assistance program, which violates The Federal Equal Credit Opportunity Act.
I left my chase atm card in a chase atm during normal banking hours earlier this week. when i try to call that chase bank branch XXXX the phone rings over 8 times and then i get a recording that tells me they are busy providing wonderful support to a different customer and i should call back in a few moments. I got this same recording for over 20 minutes. when i finally gave up and XXXX chase hq number XXXX and spoke with the nice lady ( XXXX at HQ in XXXX ) who answered the phone and explained everything to her she said she would try the branch and put me on hold. she then came back to the line with XXXX from the branch at XXXX XXXX fl who told me the following1. that they do not log atm cards that are turned into the branch2. that they shread said cards without bothering to notify there own customers that the card was turned in and shreaded. 
3 he then stated in a very condescending tone that i was the one who left my card. 
at that point i ask XXXX to remove him from the call and asked her to transfer me to the presidents office. she sent me to person named XXXX who was helpful regarding canceling my card and getting me a new card but said he really could not help other then waiving the replacement card fee. 

you should note that i have had repeated issues with chase and when i complain to them at best i get a follow up voicemail message from a branch manager who then hides behind his voice mail when i call back. I have even been lied to by the regional vp admin at there regional office XXXX and then they alo hide behind there voice mail.
On XX/XX/XXXX I sent a certified letter to XXXX XXXX XXXX XXXX asking them to validate the debt of {$1600.00} on account # XXXX they say I owe. They responded back on XX/XX/XXXX with a itemized printout of procedures I had done in a hospital saying their client XXXX XXXX XXXX XXXX purchased my account and I owed them {$1600.00}. I sent them another letter on XX/XX/XXXX asking them once again to validate the debt and provide me with the procedure including names, addresses and phone numbers of the people they utilized to validate the debt. I did not receive a response back. I checked my credit report on XX/XX/XXXX and the failed to provide the credit bureau XXXX  with the required disclosure stating the account was being disputed. I sent XXXX XXXX XXXX XXXX another certified letter on XX/XX/XXXX stating they had violated Fair Debt Collection Practices Act ( FDCP ) and/or the Fair Credit Reporting Act by failing to provide the disclosure to the credit bureau 's within the 30 day period. The company did not respond again but it seems they were able to update my account on the XXXX  credit report months past due. As a result I would like this removed from my credit report. I have attached all of the proof of these communications below
On the XXXX of XXXX, 2016, I went to the XXXX XXXX XXXX branch of Wells Fargo bank to make a money transfer. I explained to the personal banker that my friend in XXXX has asked me to transfer this money to his friend ( XXXX ) in Ohio who is in distress and needed the money urgently. My friend in XXXX was going to refund the money to me the following week. 

He banker successfully made the transfer for me ( evidence attached ). My friend informed me XXXX had not received the funds after two days and I went to the bank on XXXX of XXXX to inquire that. The banker told me it takes three working days for the funds to hit the recipient account, and that he should be expecting the funds by Tuesday. 

Basically, as I write this complain, XXXX has not received the money, and Wells Fargo is not doing anything to get my funds back to me even when I have since requested for the transaction to be cancelled and my monies returned to me. The recipient has borrowed monies elsewhere to solve his problem and asked me to get my money back since it could not come on time. 

Wells Fargo continue to tell me the funds have been sent, yet XXXX who are the bankers of XXXX deny receiving any funds from me on all the three occasions that XXXX went to inquire about the funds, the last of it been XXXX of XXXX, 2016. 
I must emphasize that, I do call Wells Fargo on phone to talk about this almost every day, and have gone to the branch I made this transfer on countless occasions. 

I needed this money last week ( in addition to a delta voucher I have already ) to get a ticket to visit my family ( in XXXX ) during the XXXX. I could not get the money and now prices have shot up since then and continue to go up since. 

Why would Wells Fargo treat a poor international student from XXXX in this manner?
On XX/XX/2018 my husband and I filed chapter XXXX. I sent a copy to Transunion asking them to fix their errors. I get a copy of our reports and all our good credit that was paid long before this is marked as bankrupt even through they are paid. They removed the XXXX from my husbands report as chapter XXXX when it was reaffirmed with the company. They are idiots and I can not seem to get them to correct it even with the copy showing what was involved. There was no open loans. Only credit cards and collection items. They even screwed me on the one open account I had and they were not even mentioned in the chapter XXXX. HELP ... ... how do we get them to report it right?
I applied for the loan on X/XX/17. At the time of my approval I was not notified that my interest rate would be an outrageous 661.47771 %. I took out a loan for {$400.00} and has already paid XXXX close to double. At the end of my loan I would have paid {$1500.00}. I contacted the company thinking something was wrong is the reason I am still having it taken out of my account. I was told about the APR at that time in XX/XX/XXXX. I believe this company has hidden the information from me at the time of process.I have went through all the initial paperwork and nothing stated the interest amount. Please assist me in this matter, I feel like they are misleading and have truly taking advantage of consumers
Midwest Recovery Systems have placed a collection on my credit report for a payday loan I have never applied or received. I have made many attempts to contact the company, but all I can never get a person on the phone. I have disputed this account with the credit bureaus, requesting validation of the debt and that too goes nowhere. The bureaus say that the account is mine, but I have yet to receive validation of this account. Never have I had a payday loan with XXXX or any other company. This account is not mine and Midwest Recovery Systems can not validate this account as being mine. They wont remove this from my credit. This account is fraudulent and the company appears to be fraudulent as well.
Portfolio recovery associates contacted my place of work to attempt to collect a debt. I 've also has XXXX XXXX call my place of work to collect a debt as well. They have contacted me repeatedly after I 've told them to not call my place of work. They have also left information with managers and our HR department along with messages asking for me.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Shellpoint is the mortgage company who services our loan. They are reporting to the credit bureaus that we have been and are still late on payments with them. My wife, XXXX XXXX and I, have never been late. This has gone on for well over a year. We have spent over 100 hours contacting Shellpoint to fix our credit reports. We have called over and over, gone up the chain of command, emailed and wrote many letters to them. They told us that they had fixed the problem but it continues to show on our credit reports. We have written the credit bureaus many times just in case they were reporting the wrong information, it seems as if the problem lies with Shellpoint. The other issue is our rate is adjustable and rates are starting to go up. We need to obtain a new mortgage loan but can not because of these late payments. This has harmed has caused us a lot of stress, anger and frustration and it is hurting us financially. Please help.
XXXX XXXX sent me a {$40.00} reimbursement check on XXXX XXXX, 2016. I notified them to mail me a check since Citibank account was closed. Instead XXXX told me that they put it back on Citibank account. Both Citibank and XXXX said they do n't have the money. XXXX said sent to Citibank. They said they never received it. My Citibank account was closed by the Branch Manager on XXXX XXXX, 2016.
Account ending in # XXXX was closed w/ XXXX balance in XX/XX/XXXX with Bank of America credit card . I closed my email account with XXXX and destroyed the said credit card. I received emails stating that I owed a balance on my new email account with XXXX. I tried to respond but the email from BOA was returned undeliverable. I finally received a bill from BOA to my physical address om XX/XX/XXXX stating that I owed BOA {$9.00} in overdue payment. I mailed a check for that amount that same day. Today, XX/XX/XXXX I received my dispute report from XXXX  XXXX   stating that I am overdue in payments to BOA and the fee is now {$10.00}. This dispute could have been resolved in XX/XX/XXXX if BOA would have sent a bill to my physical address instead of online.
Peaks private loans, I have never received any written correspondence from them ever. I was forced into this private loan through XXXX XXXX. The only way to see a balance is from their grossly outdated website and charge extra for any little thing. I will not allow this company to ever have access to my bank account in the form of an auto payment. Avoid Avoid Avoid!
I recently had a very troubling experience with Mand T Bank. There 's a long history with XXXX accounts in my children 's name that was started about XXXX to XXXX years ago when they were in XXXX school. They 're young adults now. I had XXXX accounts with M and T, but the trouble is only with my XXXX minor children 's acounts. 

These accounts were originally XXXX seperate CD 's, started with XXXX XXXX. The starting principle was {$1000.00} in each account. These were idle accounts where money was simply " parked ''. About seven or eight years later, XXXX XXXX was taken over by M and T Bank. The XXXX accounts had grown to about {$1200.00} because of the accrued interest. At some point, M and T Bank started charging and auto-debiting {$10.00} per month from my XXXX children 's accounts, that were now M and T " savings accounts ''. I was never made aware of the charges, had no idea this was going on. No one from M and T called to alert me to the monthly drain on these XXXX idle accounts. Just a yearly " sign to keep active '' notice. 

My wife and I have or are responsible for roughly XXXX-XXXX small accounts in savings/checking/education/401k 's, and IRA 's with various banks. They include my wife 's ageing and ailing parents accounts, who are/were at poverty level income ( XXXX now deceased ) and maitaining their meager property, and caregiving as well. We have much to deal with on a daily basis. Although we received sporadic account statements from M and T Bank, the charges and declining balances on these XXXX accounts were not noticed. 

I only became aware when I saw my XXXX year old son 's name listed in the local news paper that had a listing of unclaimed property held by the State just last week, XXXX 2015. M and T Bank closed that account which I believe is now about {$820.00}. 

I was stunned that this could happen to anyone, let alone a minor. I am still waiting to here from M and T Bank on this matter. 
I appreciate any help or guidance you can give Thank You,
XXXX XXXX Services or XXXX ( XXXX ) continues to contact me at my office, involving my boss and co-workers in this fraudulent attempt to collect a debt. I have asked them REPEATEDLY to stop calling my office and only to contact me via XXXX Mail. The last call was on XXXX @ XXXX.
Enhanced recovery placed old debt on file. debt is 7 years old and no money is owed to company they are collecting for. military orders were sent to have service disconnected and all equipment was sent back in the boxes they provided.
My XXXX XXXX  XXXX XXXX : XXXX is lost/stolen, and theres {$1000.00} in fraudulent transactions on the account. The fraudulent transactions dont belong to me.
XXXX XXXX has filed a foreclosure action against XXXX and XXXX XXXX for a reverse mortgage allegedly signed by XXXX XXXX. The promissory note in question is not notarized or witnessed and the foreclosure is thus illegal under New Mexico law.
My US BANK debit and credit cards were stolen from XXXX XXXX XXXX in XXXX, WA on XXXX/XXXX/15. I reported the theft immediately, but there was already {$1000.00} of fraudulent charges on the debit card. The cards were cancelled, but the account was still driven into the red ( there was only about {$37.00} in the account to begin with. No one at the bank has been able to explain how the thieves withdrew so far over the limit ). I submitted a fraud claim to US BANK to be refunded the stolen money. I did n't hear anything until yesterday when I received a letter stating that my claim had been denied and I was responsible for the stolen money. The letter said that if I had questions I could call and speak to a Fraud Prevention Representative XXXX a day, 7 days a week. This has NOT been the case. I 've been on the phone for 2 days trying to speak to a fraud representative -- they have NEVER been available. I 've been told my several people at US BANK that Fraud Representatives did not take phone calls and they 're unreachable. I was promised by a supervisor that a supervisor with the power to change the ruling would call me back by this afternoon ( XXXX on XXXX/XXXX/15 ) but that did not happen. In fact, when I called back at XXXX to catch someone before they left I was told that no one could help and that I was responsible for the charges. Meanwhile, I 've been called twice ( so far ) by US BANK collections demanding to know when I was going to pay the overdrafted account. I told them that the account was robbed and that I was waiting to hear from the fraud department. That did n't matter, they called back asking for the money.
XXXX in XXXX Kentucky reports that Chex Systems is reporting XXXX accounts opened in my name in 2014 with XXXX XXXX XXXX which have been charged off.I did not have accounts with XXXX XXXX XXXX.Identify theft and fraud are clearly an issue that have had devastating effects on all aspects of my life.As a natural born United States citizen I have always presumed I was protected from fraud and identity theft.The recovery process as defined by the FTC for victims of identity theft, like myself is literally exhausting and a full time job in and of itself.
After purchasing a loan from Wells Fargo, my initial payment to the bank was made on XX/XX/XXXX. On XX/XX/XXXX I was informed that my payment for XX/XX/XXXX was past due. Online records from Wells Fargo 's own website indicate the payment was made and applied to the loan on XX/XX/XXXX. On XX/XX/XXXX there was a payment reversal made for the same amount of the original payment. The loan was reset to the original amount on XXXX/XXXX/16. On XXXX/XXXX/16 there was another reversal in the amount of {$4.00} and the outstanding balance was reduced by the original payment amount. On XXXX/XXXX/16 another reversal was made and the loan amount went back to the original balance prior to any payments being made by me. On XXXX XXXX I was informed the account was past due.
Reopen XXXX. Chase has not released any funds based on past written correspondence. Chase is in violation of DEED OF TRUST. Chase has provided zero guidance as to the terms of how the funds to make repair are to be released as requested by 3rd parties.
I did not receive services on the date that the company is stating. I have disputed multiple times as well as asked for a summary of services to see exactly what I am being charged for because I was not seen. I did not receive anything from this stating I even owed anything, the only reason I found out about this collections was due to the fact that I checked my credit report and saw this on my credit report. I have not received any information as well.