WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I purchased two Airline tickets of XXXX XXXX with the amount {$470.00} through my Citi Card Credit. Then I found out the XXXX XXXX offered the cheaper ticket, as a result, I cancel the trip with XXXX XXXX. On XXXX XXXX I did call Representative Customer service of my Citi Card Credit to cancel the trip with XXXX XXXX and request to refund {$470.00} back to my account then they referred me to Dispute Charge Center to do that. On XXXX XXXX I did called the Representative customer service of XXXX XXXX to request the refund {$47000.00} to me then they referred me to their Refund request website to do that. Finally, Both refused to refund to me with the reason I didn't call them to cancel the trip while I did.
Mr. Cooper is my loan servicer. The loan originated in XX/XX/XXXX. I was ok 'd for a modification XX/XX/XXXX. I sent the signed loan modification papers back in XX/XX/XXXX. Mr. Cooper could not find them. In XX/XX/XXXX they scheduled a mobile notary. Papers were signed and returned. I didnt hear anything and was unable to make a payment. After calling, I found the notary did not stamp the papers so they placed the loan in foreclosure instead of contacting her or me. 

I contacted the president of Mr. Cooper and they are trying to help straighten out the mess they created. However I have a new servicer XX/XX/XXXX so that is a complication. 

They admitted they made a mistake but didnt say they filed court papers. I was served by a sheriff and have had numerous realtors send me offers. Very embarrassing. I am assuming the modification will go through but foreclosure could be an issue. The secondary issue is neighbors seeing the sheriff and realtors seeing a notice. What are my rights? What is Mr. Cooper 's responsibility?
I called the " student loan help center '' at XXXX. It took multiple attempts as their line kept hanging up on me. After reaching a human and 37 minutes of me giving them my personal info, they said I had to pay a one time fee of {$990.00}. As I 'm eligible for total forgiveness. My loans exceed more than half of my income as I 'm on social security from a head on accident. I told the guy that there has to be a way to file " these forms '' without paying {$990.00}. Call was recorded and they made me acknowledge permission to record
National Recoveries Inc. XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX US Dept of Education National Pmnt Center XXXX XXXX XXXX XXXX GA XXXX XXXX 2017 Without notice, written, verbal, or otherwise my pay from my job way immediately garnished for $ XXXX each payday every two weeks ( minimum of {$310.00} per month ). I have sent two notarized affidavits to both entities citing FDCPA violations, CA state civil code and consumer protection laws violations, requests for original contract verification for proof of claim/debt. Requests/affidavits were sent certified return receipt mail with proof of delivery etc. Absolutely no response received back for two months now. They have violated FDCPA and CA civil code/statutes in multiple ways and have not proven contract/proof of claim. Very financially hard to be experiencing this unlawful experience. Thank you.
I lost my ATM Debit Card and requested not just XXXX card as a replacement, but I requested XXXX cards. I am a senior and a veteran and due to my medical condition, I need XXXX cards. Bank of America said they were unable to provide me with XXXX cards for my account.
on XXXX XXXX i was checking my credit report when i see that i had something reported to my credit file by XXXX as a collection item. immediately i contacted the credit bureau who informed me it was from some collection agency call Stella Recovery Inc. its reporting that i owe {$560.00} to comcast which i have never had any service with. i was not aware that there was a bill in my name with this company as i have never had any form of communication which such company. i put in for a dispute and on, regarding this creditor. on XXXX XXXX i received an email from XXXX stating that the dispute was complete and a number was given to me XXXX, however, when i checked my report the info was still on my file, so i again call XXXX and the rep told me that they contact XXXX and XXXX said this belong to me. i immediately called comcast who could not find any info with my name or address in their data base or even an account number for this service, not only that they informed me that they do not deliver service to my area. i have never lived anywhere out of XXXX and find this strange. attached please find a copy of my id and the info that was reported to my credit report. i would like for this to be completely be removed and this agency who is reporting false info to my report be dealt with. also the credit bureau makes me feel like there is no safety with them either which is really sad. this is no the first time my credit info is being compromised and it bothers me to the core.
I applied for a refinance on my home on XXXX XXXX. I was provided a pre-approval, and proceeded to provide close to XXXX documents to underwrite the loan. I provided all docs, and then was conditionally approved in underwriting requiring me to provide XXXX more docs. 

This was close to 2 months ago. These documents were provided, and then Amerisave came back XXXX additional times requesting new documents ( each supposedly going through underwriting and each taking days ). I have now uploaded over XXXX documents ( and many of them were repeat requests ). 

It is now XXXX and my loan has still not closed. Now, I was contacted this AM telling me that my application numbers were not correct ( for a rental property that I own ), but these were numbers that I NEVER provided on my application. They actually created the document, and when I raised they were incorrect on XXXX XXXX, I was told that they would be rectified through the documentation process. All docs ( taxes, insurance, mortgage ) have been provided, yet they are still " miscalculating '' the numbers ( not in my favor ). 
I have never experienced such poor service with any business, and I am stuck using them since they already pulled my credit ( which would count against me now elsewhere ), and I paid for a completed appraisal - which came in fine.
I received a teller check from a credit union and deposited into my checking account inside the main branch of USAA in XXXX XXXX, Texas. The teller took the check and completed the deposit and said nothing about a hold on the deposit. On the deposit slip it shows my account balance and the amount of the deposit. It does not mention a hold on the funds. I then left the bank and checked my funds on USAA app and it showed the amount deposited was available. The amount was XXXX and my balance on the app reflected that amount. Two business days later I went back to the main branch of USAA and just before entering the bank I double checked my balance on the app and noticed that there was now a XXXX hold on my account. I went inside and went straight to the teller hoping there was a mistake on my account but when I tried to purchase a cashier 's check the teller confirmed that my checking account indeed was on hold for XXXX. I asked if I can discuss this matter with management and she directed me to an enclosed booth where there was a computer and a telephone and was told to dial zero and ask for a manager in the deposit department. I did so and held for about 2 minutes and a representative answer the phone and asked what he could help me with. I explained the situation and asked if there was anything that could be done to release my funds. The answer was no and that it was unclear on when the funds would be made available. I asked to speak with a manager so he transferred the call and I was placed on hold for about 5 minutes. Long story short the same answer was given by a manager " no '' and adding insult to injury she stated that my creditability with them was in question because of a previous over draft in the last 6 months. I left very upset and frustrated with the entire situation. I also called one more time the following business day and the exact same answer. No ... Please consider this fact. This was a preprinted teller check from a credit union and that when purchased originally by the payee was told that it 's the same as a cashier 's check. Now I have to wait 10 business days. Why? Why could n't USAA physically pick up the phone and verify funds or tell me from the beginning there was going to be a 10 day hold. I would have cashed the check elsewhere and been able accomplish what I needed to. Now I 'm on hold and it put me behind on what I needed to take care of.
I 'm at my wits end with Equifax. I 'm sending them disputes listing clearly what I 'm disputing in regards to accounts where they only have partial or unknown elements to the accounts and they are required to correct or remove this information and they have not done anything at all. take the XXXX account for example : they have unknown terms, no type, unknown status, no payment status details and list it as a collection and yet the historical payment data reflects that I have paid as agreed every month. 
In addition, they are reporting XXXX as if they hold the account and I am attaching proof that this is not so. they are required to list this as transferred or remove it!
I was a victim of Identity Theft and notified the debt collector of this and the only debt verification they sent back to me was a BILL. As the law states this is NOT significant proof of debt validation further more I have never received such bill and the name on the bill is incorrect.
There is an account listed without full account number and the misspelling of my name. I have contacted both the credit bureau and the reporting companies and sent copy of drivers license and social security card. Letter sent back to me stating investigation complete and remains on my credit report. Companies listed is JC Penny and XXXX XXXX.
Hello. I recently sent a dispute to American Express Bluebird regarding unauthorized ATM transactions. They said they havent received my dispute letter. So I will send it through CFPB so I know they will receive it. Im missing around $ 3,000+ In my account. Im attaching the letter I sent. The transactions Im disputing are in the letter.
I have been a customer of Wells Fargo since XXXX of XXXX when I opened my mortgage account with the bank. I have made over 85 monthly payments to date. Upon reviewing my account history, you will notice that every single payment has been made on time. This is because of my strong sense of financial responsibility- which I know ( although minute ) is an integral part of the financial system. 
The first purpose of this letter is to inform you that I have recently been following the news about the unethical business practices employed by Wells Fargo. As far as I understand, the banks ' strategy, called " cross-selling '', was revealed to be fraudulent. You have used this practice since XXXX to embezzle money from millions of customers. 
The second reason for this letter is to express my deep disappointment with Wells Fargo. I also feel nervous that I 've been doing business with the bank for all these years. I have worked very hard to earn money, provide for my family and always have been honest. The level of dishonestly your bank has portrayed with this scam is beyond disturbing. The revelation of the scheme is making me question every time there was an increase in my escrow payments over the last 8 years and other changes that have taken place. Have I also been a victim of this fraud along with millions of other customers? In addition, what I also find troubling is that you have made no attempts to send any kind of communication to me to reassure that my account is safe and you have not made me pay for anything that is connected to this or other types of schemes.
We get a recurring robocall ( no human ) saying that we owe a debt of {$39.00}, demanding immediate payment or we will suffer " consequences ''. 

By answering XXXX of the calls, I found out that the perpetrator 's website is www.penncredit.com. 

When I talked with him, he told me the address of the debtor, which is miles from where I live. The debt is not ours. But the robocalls continue to come. 

Help!
I received a letter from M & T Bank that stated I needed to call to update information because of a change in regulatory requirements. That 's fair enough. 
The problem is that the phone number listed does not show up as an M & T bank number in an online search. Plus, anyone who wanted to steal account information could simply copy the letter, but change the phone number. The letter should direct the recipient to look up and call a number they can independently confirm to be an M & T bank number. 
The push-back I received was that they needed to have a new number because otherwise their customer service number would be overloaded. While that may be true, that means that they need to invest in their customer service infrastructure and provide a way to let callers quickly and easily select an option to respond to the letter. 
Directing callers to a random phone number to update bank account information is more than foolish. It sets a terrible precedent for future communication of sensitive information, and it provides a template for scammers to gain access to account information.
Good afternoon, hoping you can get this removed from my credit report, it is saying I have all of these credit cards, and I do n't ... there are serveral removed ... first one names Imagine acc # XXXX paid as agreed, but is now under XXXX, so I want the Imagine off my report, because it no longer exist. also the same company is on my credit report twice with two different account number please remove one of them please remove both account # XXXX, also there is another two I need to please come off my credit report, name of the company is XXXX account number # XXXX. Please I hope you can remove all of these accounts main reason is because it is showing as if I have a lot of card. Please thank you XXXX
On XX/XX/XXXX my FICO score went down from XXXX  to XXXX. I immediately log in to the 3 Credit Bureaus website to check what happened on my credit score ; I ended up submitting online disputes. I wasn't able to provide and attach any file supporting my claim because I don't have any documents at that time. There was no phone call, email, nor a final statement of account about this collection claim of {$86.00} that was reported by XXXX XXXX XXXX. The credit bureaus investigation results say that the claim is valid but didn't provide any reason. I decided to call XXXX XXXX  the credit collection agency in Texas that reported this claim to the credit bureaus. I asked what was the {$86.00} collection claim on my credit report that they also failed to notify me ; there's was no statement of account for me to verify. In the end, they ask for a dispute letter for them to investigate on this case. On XX/XX/XXXX I sent a dispute letter to XXXX XXXX On XX/XX/XXXX, I received a collection bill from XXXX XXXX XXXX The very first bill I got regarding this claim, but then again, I don't know the details of how I ended up having a credit of {$86.00}. OnXX/XX/XXXX I sent the dispute letter they asked to dispute the validity of the debt that they are claiming. In reply to my dispute letter, on XX/XX/XXXXXXXX  sent me a copy of all the documents they have on my account. For the first time, I finally see the final account statement billed by XXXX XXXX XXXX I can finally explain myself and again dispute those charges, those charges on my account are not valid. On XX/XX/XXXX, I sent another dispute letter to XXXX XXXX XXXX to explain what really happened and that their claim is not valid. I asked them to remove the collection claim that they reported to the credit bureaus. With all these steps of explaining and sending the dispute letters nothing solved my problem. I still have a collection report on my credit history and my credit score is still low. As my last resolve, I am filling this complaint and I will attach copies of those disputes letters and other supporting documents.
An insurance check from   XXXX   XXXX    county   XXXX   XXXX   XXXX   was addressed and issued to the Insured policy owner and the   busines s   ( auto body shop ) for repairs  on our vehicle created by an accident. A claim was made to the insurance company ; therefore a check was issued and the ins urance adjuster hand delivered the check to the owner of the  body shop and t he che ck was Payable to : the insurance policy owner and the   body shop       XX/XX/XXXX . The owner of the body shop took the Check to Wells Fargo Bank on  XX/XX/XXXX  a  nd the teller directly deposited the check WITHOUT the Insurance Policy Ow ner 's signature. I received a copy of the check from t he Insurance Co. and no  signatures were on back of the check. On the back of the Check it states : Personal Endorsement of Each Payee Required ENDORSEE : Please endorse check exactly as your name appears on the face. THEN it was stamped by  Wells Fargo " CR EDITED TO THE ACCOUNT OF WITHIN NAMED PAYEE ''. The amount of the check is twice of the quote given to us for repairs ; therefore, this money was stolen and falsified. Therefore, I am filing a complaint against  Wells Fargo on a llowing funds illegally to be deposited to t his body shops account without Consent. No Consent form was signed nor do we   have any invoices on the body work done to the vehicle. Requesting the difference of the amount quoted to us for the body work done. A verbal quote from the body shop was {$2100.00} and the check was written for {$4800.00} due to the lack of responsibility on  Wells Fargo Bank allo wing this individual to take money without our consent and due to the nature of this claim our insurance premiums went up.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance:XXXX
Received a pre-approval for a credit card from Bank of the West. Offer expieres XXXX. They are not able to find the pre-approval offer they extended to me and want me to apply. I simply want them to honor the terms of their offer.
Back in XX/XX/2018, I received a notice from Midland Credit Management, regarding a debt for my old credit one account, I advised thru writing the collection agency that ' I DO NOT OWE THIS AMOUNT TO THE ORIGINAL CREDITOR AND WILL ONLY WORK WITH THE ORIGINAL CREDITOR ON RESOLVING ''.

On XX/XX/2018, I check my credit reports and noticed that Midland along with XXXX XXXX credit are both appearing on my credit report. I also received another letter from Midland dated XX/XX/18, along with a bill from XXXX XXXX, once again I write back ( see the attached ), I DO NOT OWE THIS AMOUNT OT XXXX XXXX AND WILL ONLY WORK WITH XXXX XXXX ON RESOLVING. I have tried contacting XXXX XXXX and offer a settlement for the original amount of the debt but have not received a return call.

I believe Midland has once again ( have tried several time to asked to cease collection efforts, without any success and have violated the Fair Credit Reporting Act, They were allowed to place on my credit files this debt with Midland, along with XXXX XXXX, without validating the amount.
I have had a flawless and good relationship for many years with Citi Bank. On XX/XX/2018, I called their office and asked XXXX of South Dakota to remove the annual fee of {$95.00} which appeared on my most recent billing statement. He said he was not able to do this. I said I had other credit cards that dont charge an annual fee. He then said he would have to close the account in order to remove the fee. I agreed we would end our business relationship now by him crediting the {$95.00} fee back, and closing the account. I agreed to pay the remaining balance in full during the telephone call. XXXX said if I pay only the balance minus the fee, the {$95.00} would remain on my account and accrue finance charges and late fees until the credit post in two months. It did not take Citi Bank two months to post the fee. This is clearly a UDAP ( Unfair Deceptive or Abusive acts or practices ) violation. Citi Bank is trying to force me to pay the fee and lose my Billing Error Rights to dispute it if the credit does not post in two months, or leave the {$95.00} unpaid for two months while it accrues late fees and finance charges. I thought I could do honest business with Citi Bank, but I learned that they intend to have either the {$95.00} or fees that accrue against it.
There are multiple accounts that are listed with Equifax and XXXX as 'Bad Debt & Placed for Collection & Skip / Settlement /Late Closed/Paid Charge off ' When when the account was paid / legally paid. The balances are reporting correctly with XXXX but not with the other two Credit Files. The Service Lender : XXXX / Department of Education has been a problem to work with to get this resolved. I have since been working with my credit reporting agencies to try and get these accounts resolved. I have faxed over the supplemental information to my credit reporting agencies today but they have been unhelpful.
Failed to comply with Federal regulaions and continuing to report a Date on my account that appears to have opened  XXXX   XXXX  seems to be incorrect and false for unverified account  XXXX  account  XXXX  as well as the first reported date of  XXXX   XXXX  I contact  XXXX  myself and was told by  XXXX  that worked there that they are unable to release third party information without a written consent from account holder in which I have no contract with  XXXX  so I contact Experian and they refuse to provide me with any documents with my wet inked signature. They are reporting things that they claim to have verified so multiple times I have asked for the method of verification in which I have a right to ask by law. But they refuse to comply so I have filed a Complaint with the better business bureau and plan to file one with my state attorney General office because of their failure to obide by the law and Instead they shift the burden on me as the Consumer to get the information which is another violation and not even that i disputed this in  XXXX  that was signed by a rep at Experian and they did not at the time note that i I was in fact disputing  XXXX  in which that is another violation that i have my certified slip along with my credit report date stamped as proof.   Yet Experian has failed to provide me with a copy of any viable evidence submitted by  XXXX . Or provide copy of cancelled checks to prove the last payment received is reported correctly.
I have a 5 year ARM home loan, the loan matured to my knowledge XXXX XXXX, my rate and payment are suppose to remain the same for the remainder of my loan. I was told I had a five year increase beginning XXXX XXXX and finishing XXXX XXXX. My payment as been the same since XX/XX/XXXX, now for no reason they are trying to change, increase, the payment, this is very unclear to me because I was told that this would not happen.
Dear Equifax I need a credit report in English language. 

Do you already receive my XXXX form for FATCA identification? I have a problem with your representative to transfer information to head office of Equifax.