WillisBack/dataset-financial-user-claim huggingface dataset:
This is the letter that we had sent to Hyundai Motor Finance-Credit Dispute Center back on XX/XX/XXXX. Please review letter for description of events that had transpired leading up to this complaint : To Whom It May Concern : Today Im writing to request a goodwill adjustment to my credit files.

My son hopes to be attending college this fall, and my wife and I are in the process of applying for a student loan to help pay for his education. To our surprise, the lending company denied our application because of a negative mark on our credit report. We have always had excellent scores and have never had an issue securing credit. Upon further investigation, we discovered that our credit report from XXXX  included an Adverse Account from Hyundai Finance.

The lease agreement for the XXXX XXXX XXXX XXXX that we drove ran from XX/XX/XXXX through XX/XX/XXXX with a total of 36 payments. The first monthly payment was included in the amount due at lease signing. The remaining 35 monthly payments were consistently made on time. And at the end of the lease period the vehicle was returned directly to the dealership on time without issue. 

Some time after returning the vehicle we began receiving calls from XXXX XXXX, a debt collection company. Thinking it must have been some sort of scam, because we knew we were current with all our accounts, we ignored the calls. Then we received a letter from XXXX, dated XX/XX/XXXX. 

When I called XXXX regarding the letter I was stunned with the amount they were collecting, {$2500.00} for mile overage and excessive wear and tear. I immediately contacted the Lease Maturity Team at Hyundai regarding the balance due. My wife and I were under the impression that we had signed the leasing agreement with 14,000 miles per year. We checked our copy of the leasing agreement and, to our surprise, it indicated only 12,000 miles per year. So on XX/XX/XXXX we paid the balance in full via telephone with XXXX XXXX. With the debt paid, XXXX sent us a Release of Debt letter indicating that our account had been satisfied in full. 

To be clear, the Hyundai dealership never told us that we had overages on our mile allotment or that there were additional charges to be paid on our account, and we never received any bill directly from Hyundai Finance. We also never received any notification from Hyundai or XXXX that a late payment would be reported on our credit report as a negative mark. 

Taking into account our 36 months of on-time lease payments and the mitigating circumstances around the additional balance due, Im requesting a goodwill adjustment to our account and hope you will consider my request to have the Adverse Account removed from our credit report. 

Thank you for your time and consideration. We hope your compassionate resolution of this matter will help us secure a bright and productive future for our son.
I created a budget to pay off the military star card. I was projected to pay off the card by XX/XX/XXXX. I didn't know/was n't notified that I still had a remaining balance of less than {$1.00} for the XX/XX/XXXX & XX/XX/XXXX. I didn't see anything until my credit scored changed.
Wells Fargo opened a Trust account for the co-Trustee of my father 's Irrevocable Trust. My father passed on XXXX XXXX, 2017 and a life insurance payout from XXXX XXXX was issued for the XXXX XXXX Irrevocable Trust. I, XXXX XXXX, am a Trustee of the Irrevocable Trust along with my brother XXXX XXXX. XXXX XXXX informed me the payout check in the amount of {$620000.00} was deposited/cashed at Wells Fargo. My share of this check is $ {$310000.00} as per the Trust Agreement. I went to Wells Fargo to inquire how the check was cashed without my signature or knowledge. The branch Rep. XXXX XXXX at Wells Fargo informed me that my brother opened an account in the name of the XXXX XXXX Irrrevocable Trust and had listed me as Survivor instead of Trustee and I had no access to the account. I provided the Trust papers confirming this account has incorrectly listed me as Survivor instead of Trustee and the branch manager reviewed the documents and confirmed this to be true. The branch representative called Wells Fargo Legal because I requested they correct the account and list me as Trustee or freeze the account until it was corrected. I emailed the Trust papers to the Wells Rep. and she forwarded it to Wells Fargo Legal while I was at the branch. Wells Fargo informed me there was nothing I could do and I must obtain a court order to obtain any information or make any change to the account. I had to pay an attorney {$4000.00} in order to obtain my share of the Trust. I also had no way to know if that money was taken while I waited for my brother to respond to the attorney. I returned to Wells Fargo on XX/XX/XXXX to inquire if the money was still in the account and they again refused to make any changes or release any information. Wells Fargo fully acknowledged the account was incorrectly opened based on the Trust Agreement but refused to make any corrections or place any hold on the funds. Wells Fargo opened the account without proper documentation and by refusing to correct the error cost me {$4000.00} in legal fees. I would like to file a complaint against Wells Fargo for costing me {$4000.00} even though they acknowledged this account was incorrectly opened. Thank you.
CITI Thank you prefer card company made a mistake in my mailing address by forgetting put my unit number in my billing address. So I did not receive my statements. When I found out the pending balance when I checked my credit report and contacted the collection companr and they forwarded those statements. When I contacted CITI, they refused to take off the interest charge and fees. This late payment mistake was caused by CITI and they should not charge me any interest and fees. Now my credit is effected by this. So I have to stuck with the high interest rate for my other credit cards balance with this company. I file this complain to request CITI waives any late interest and fees on the CITI Thank you prefer Card and fix this late payment record in my credit and resume my good credit.
Consolidated my loans upon graduation in XX/XX/XXXX, to Income-based-Repayment plan. Enrolled in Public Service Loan Forgiveness. Made years of payments, and was told I had only made 11 qualifying payments in XX/XX/XXXX. I challenged this over the phone four times, was told it took 90 days. Called in 90s days. Was told it takes 90 " business days. '' Called back. Was told " it just takes a while. '' It's now been almost 2 years, and no one will help me. I've made consistent, on-time payments for over 6 years, and my qualifying payments won't budge. No one will help me. No one is responsive. No one cares.
TD Bank decided to update their banking online software and it has been 4 days so far & I still cant see my accounts. I have called their customer service phone number & each time I am told its a 20 minute wait or a 40 minute wait. When I call my local bank office the girl there tells me she can read me anything I want to know or I can come in & she can tell me what I want to know. I asked them to e-mail me my accounts & that is even a problem. 
I want to see my accounts!!!!!!!! I have a right to see my accounts!!!!!! This is crazy I feel as if I have been robbed.
I am wanting to buy a home so I am trying to pay off bills I have in collection, I wasn't aware of a lot them that are in collection due to the year they went in, which it ranges from XXXX and mainly all medical bills from XXXX XXXX I had to have, I looked on XXXX  XXXX to see what all on there but it didn't list them all for some reason ... i have asked all 3 credit burous for my reports due to I cant seem to just look at them on-line ... anyway ... on XX/XX/XXXX i started to call the agencies where i have bills at pay them in full, i called XXXX XXXX  that my report said i had 1 bill at there in amount of XXXX but they informed me i had 3 bills in amount of XXXX, I requested they send me a statement and they said they don't have to send me anything and how would l like to pay that today? I told her i'm not paying anything till I get a statement and she informed me well I guess you will owe this forever then .... 
next one is XXXX XXXX i had 3 bills there according to my report but when I called they said I had 5, the 2 I didn't know about amounted to XXXX which the total of all was XXXX so i paid it all in full and requested they send me a statement that says each bill that is paid, she informed me we don't do that, I can send you a email for proof of payment saying paid in full, I said ok but how do i get a statement of each bill that was paid, she basically said she doesn't know nor do i care ... .this was after i paid it all in full ... my acc # is XXXX and conf # is XXXX that's all she tell me, next one is XXXX XXXX my bill there was XXXX which I paid in full but said she could not send me anything that said i paid ... she said use your account to prove it, I cant prove its paid by that cause there is no name of company where the bill came from nor would it say paid in full ... .I am so mad that all these places don't give a XXXX about you and all they want is money..all of them told me it would be over 6 weeks before my credit report would say its been paid or longer depending on how they feel ... .this is not freaking right ... I'm trying to get my credit to a great place and they don't seem to want to do XXXX for you ....
CITI bank closed by all my credit cards and confiscated Thank You Points, which is the currency of the credit rewards. No notice was given, even no reason was given. When I called, they are not willing to discuss on the phone and let me contact them in writing, so I did. but no reply was received. So I made a call again to their so-called executive office. This makes me feel even worse, the woman on the phone was not only unwilling to help me find a solution but also asserted they can close my account for whatever reason at anytime. that 's the exactly words she said. I am pretty sure they can find the recordings. Is that even legal for her to say that? As far as I know the closure of credit is the process of reversal of credit, so it should be protected by the federal Equal Credit Opportunity Act. The letter only mention that the choose to close my account, no reason was given. During the phone call, I asked if my account is closed due to discrimination. The woman never says anything more than that they can close my account for whatever reason. My account was closed after I moved to a XXXX community ; before my account was closed I 've been a customer with citi bank for almost 2 years. No spending pattern was changed, FICO score keeping around XXXX, never miss a payment. However all of a sudden, my account was closed after I moved to a new community where the majority residence are haspaic for several months. I can not say the two events happened sequentially would make them the cause and effect, however their unwilling to include the reason neither on the phone nor in writing makes me believe that my account was closed based on the fact I lived in a XXXX community. At least I can say their action is constriction of discrimination. Their claim of whatever reason do include the discrimination and they are unwilling to explain the real reason makes me feel discriminated. And their rude phone rep made me feel much worse. As an XXXX, which is also minority in the US, we are considered to be unprofitable group to the banks, because we always pay credit bill on time, use credit card wisely. I have the reason to believe my account closure might have something to do with the fact that I am an XXXX. 
The even worse part is they also confiscated all of my Thank You Points ( around XXXX points ). As far as I know the points are rebates from the purchase I made, it definitively have the cash value. Citi bank would send tax forms after customers receive Thank You Points ( TYP ) as the checking opening bonus. The TYP from credit cards and checking account can be combined and used together. This also approve the face TYP has cash values. The bank can not confiscate cash as far as I know. I request citi bank to give me cash value as they stated on the tax forms they send out or reinstate my account and the TYPs. I hope they can also give an clear and legitimate reason for the closure. Also I need an apology from the rude woman form the so-called executive unit. 
One of my closed credit account number is XXXX, I think this is more than enough for them to locate my case.
they try to sell me more XXXX and services to make money did not correct information in file all XXXX credit Bareau.
Southwest credit systems l.p. violated my rights by not notifying me of my right to dispute. 

Item appeared on my credit between XX/XX/2018 and XX/XX/2018, with no prior notification that they had purchased a debt, and that they Intented to report to the credit bureaus. They failed to notify me of my right to dispute. 

As this is a clear violation of my rights remove asap.
Case number : XXXX. 
I have already submitted a complaint, and received a response. Citi Mortgage 's response is that my loan is currently under another mortgage company, and I should contact them. There is no statute of limitations on this issue, and they are the only responsible party. Of course they know this, but they just simply pass the issue on to somebody else ; just like they do everything else Since there is no other way to contact CFPB on this issue, I am forced to submit another complaint. So I am doing just that.
CRA and Hipaa violations. I have no knowledge of fraudulent credit card and medical collections on my Experian credit report. FTC Identity Theft Report No. : XXXX.
I would like to reopen case # XXXX so I can upload the supporting documents. I talked to an CFPB agent and he advised to reopen in order to attach the supporting documents. 
Attached documents are : 1- The original complaint filed case # XXXX 2- Two Board Certified XXXX stating that the XXXX failed and require to be redone 3- Police report that the clinic press charge on me as a customer in order not to come to the clinic any more meaning they refuse to fix or correct or even followup on my XXXX
Mortgage was forged at closing. I reviewed the truth and lending document and realized that the truth and lending document was forged. It is not my signature. I checked with the law offices of XXXX XXXX XXXX to advise him of the same. However he was arrested and disbarred for mortgage fraud in NJ. I brought the same to the attention of XXXX and Wells fargo however WElls fargo said its not their problem. How can Wells fargo even consider me for a modification when the loan is bad at the root? I paid all points at closing and In the APR of the loan and interest should be the same or relatively in the same ball park. However its not. My loan needs to be reevaluated and rewritten in order to make it affordable for me as it should have ben this way in the beginning. Please see attached documentation.
Wells Fargo Complaint Wells Fargo continually and intentionally charges my account for unnecessary and fraudulent fees. On XX/XX/2017, at XXXX my checking account had a balance of {$4.00} and I made a cash deposit of {$1100.00}. A little after 2 hours after the deposit was made, the bank intentionally put my account into a negative balance and charged my account an overdraft fees. This similar incident has happened numerous times. 
On XX/XX/2017, after requesting an explanation about the unauthorized fees, a representative at the bank XXXX XXXX XXXX was very disrespectful towards me raising her voice and screaming at me during the time of the discussion. She indicated that the bank will not reverse any fees because this is how the bank makes its money. She went as far as sending for a branch manager XXXX XXXX XXXX XXXX to speak on the bank 's behalf and he also indicated that this is the bank 's policies.
I'm in the process of trying to close a Checking and Savings account for my deceased father. The bank is JPMorgan Chase Bank. 
My father lived and died in XXXX and I live in XXXX, where there isn't a Chase branch for over 200 miles ;  therefore I've had to try to do all of this via phone and mail. 
My father passed away on XX/XX/XXXX, which means it's been over 7 months and I still haven't been able to close his account and have the funds dispersed to me, his legal next of kin. My father was ill for years leading up to his death and accrued thousands of dollars of medical bills during that time, which remained unpaid at the time of his death. 
I've called the Chase Deceased Processing Group numerous times to attempt to obtain instructions, information, and to follow up on this process since XX/XX/XXXX, without success. I've talked to a different representative each time, none of whom were able to answer my questions or who seemed to have any information about my dad 's account or my attempts to close it. 
Since XX/XX/XXXX, I have mailed the Deceased Processing Group the original Death Certificate from the state of XXXX, included a letter of instruction for what I want done with the funds and included my signature, as well as mailing an official Affidavit for Collection of Personal Property and having it notarized three separate times, due to supposed " errors '' made on the document -- according to Chase bank, this includes missing information or the form being filled out incorrectly. After sending out the third attempt at the affidavit on XX/XX/XXXX, I waited a month without hearing or receiving anything only to call and have them tell me they " never got it. '' That phone call took place today, XX/XX/XXXX. 
I made copies of this most recent signed, notarized affidavit and have them in my possession. I have a receipt for the day I got it notarized and mailed it out. They are now telling me they need the original copy, which I guess either got lost in the mail, or they lost, or are just claiming they never received so they don't have to process my request. 
I can not afford to wait any longer, or keep getting the same document notarized over and over again without any direct communication from the bank that they are actively working with me to resolve this -- it's become quite clear that they have no vested interest in helping me recover what's left of my father 's money so I can mourn his death appropriately and be provided with some closure. In fact they appear to be doing the opposite. 
I have never had such a negative experience with a company in my entire life. More importantly though, what they are doing is morally wrong. They are profiting off of their deceased account holders and taking advantage of their grieving families.
This complaint is filed against : First Horizon Home Loans, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX and their representativesThere are clear violations of TILA, FDCPA, RESPA, Consumer Fraud, Mortgage Fraud, Mortgage Servicing Fraud, unfair, deceptive, abusive and bad faith acts and practices. I could only select one option below, even though there are multiple deficiencies, violations, predatory lending, fraud and lack of standing. In XXXX 2007, we refinanced our home at XXXX XXXX XXXX - XXXX NJ XXXX with First Horizon Home Loans. We were told of a lower interest rate that changed at the time of closing. We had a VA loan at 5.75 % the bank took advantage knowing we were refinancing trying to eliminate debt. We were strung along for years being promised a loan modification and forced to resubmit multiple loan mod applications. We were deceived to believe we would get a loan mod and were never put on a trial period even though we appointed and were working with a HUD certified counseling agency the bank refused to communicate with them. While they were proceeding with the foreclosure behind our backs. We also discovered the process server fraudulently claimed he had served my wife XXXX XXXX " a XXXX woman '' when in fact my wife is XXXX and was never served. There was confusion and they did not give clear answer to who had the Note, whom was the servicer, whom was the lender, whom was the bank. They used fear tactics, gave unclear answers and tormented us telling us we would be thrown out of the house by the Sheriff on several occasions. I finally realized their Fraud and Bad Faith, I filed consumer complaints against them with several Federal & State agencies they retaliated by denying the loan modification and expedited the sale of my property at sheriff sale within 3 months. During the XXXX months they issued multiple " stay of sheriff sale '' and failed to give us proper notice with an intent to confuse, torment and cause us to use our XXXX " 2 weeks stay of sheriff sale.
On XXXX/XXXX/16 I attempted to temporarily lift a credit freeze online with Equifax. The cost of this was {$10.00}. Equifax debited my account a total of 22 times for a cost of {$220.00} and the creditor XXXX XXXX XXXX was never able to view my credit report. When I called Equifax on Monday, XXXX/XXXX/16 I was told the pending charges on my account would not go through. Today, XXXX/XXXX/16 there were XXXX individual transactions to my account for {$10.00} each totaling {$220.00}. I called Equifax and spoke to an manager, who refused to provide her name and only an employee number of # XXXX. She informed me that the department that could issue me a refund " does not take calls ''. The employee that I spoke to previously provided the information that they would not be able to refund my account for ten days. In short, Equifax has stolen {$220.00} from me and is holding on to that money with the excuse of some kind of process that prevents them from returning it. This is theft.
Received a call about a debt that was trying to be collected. Caller stated she was with Recovery One trying to collect a debt but would not inform me of the company the debt originated from and the amount When i tried to get that information she started to call me derogetory names and yell obscenities until i hung up on her.The number on my caller id is  XXXX
Equifax was hacked. According to their page for checking, my data " may '' have been impacted, along with 143 million other Americans. This is ABSOLUTELY unacceptable for any company holding onto this sensitive of data, for this many consumers.
XXXX XXXX XXXX, attorney for the law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.disregards federal bankruptcy law and  states that a consumers wife 's medical debt due to XXXX is questionable or fraud.
Identity theft fruadulent account under my name i did not apply or open this account XXXX XXXX XXXX   and trust Open XX/XX/15 Amount XXXX
I have sent a letter numerous times to Transunion requesting they remove a hard inquiry from my account. The inquiry is from XXXX XXXX XXXX. I called the company as I had never heard from them before and they claim my name was on something else from another one of their companies and their secretary made a mistake. They wrote a letter to Transunion back on XXXX XXXX, 2016 telling them it was a mistake and to remove the hard inquiry. They further explained to me that they never even got a report from Transunion as they did not submit the request with any information ( DOB, SS #, etc. ) as they did not have that information to submit. I have filed numerous requests with Transunion to remove this hard inquiry and they simply ignore my request by sending me a copy of my credit report. I 'm getting pretty tired of this and do not understand how they are allowed to ignore these things or simply not respond to a concern. This is not appropriate and I am asking for your help to address this wrong doing on Transunion 's part. Thank you.
While I 'm waiting for XXXX to be re-opened, another issue has arisen. I asked Synchrony Bank to allocate payments to XXXX charges on my account that expired in XX/XX/XXXX. They complied with my request, however, then they sent me 35 emails and a letter via postal service to confirm they had allocated the payments. Is it their standard company procedure to notify a customer that their request has been completed by sending 35 emails and a letter?