WillisBack/dataset-financial-user-claim huggingface dataset:
My Daughter was about 4 months behind on her home mortgage payment. 
When I found out about it. I contacted her mortgage bank. I inquired as to the amount required to bring the loan back to current status. 
The Bank XXXX M & T Bank Correspondence Address :  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The amount on the statement was XXXX $ mailed to her. 
Talking to a XXXX XXXX from M & T Bank. He told the actual amount needed to bring the the mortgage back to current was XXXX XXXX This amount includes 4 months of back payments, plus the next month payment of XXXX $ for XXXX of XXXX. 
So I payed XXXX on XXXX XXXX XXXX by Electronic Bank to bank transfer directly from my checking account. 
Each monthly payment is XXXX XXXX 

Either Friday XXXX XXXX or Sat. XXXX XXXX my daughter gets another Mortgage statement from M & T Bank. It states she owes one back payment plus the payment for XXXX. This is not correct, because the amount to bring it to current status was already paid in full. Days earlier.
In   XX/XX/XXXX , I  graduated from  XXXX  Universit y 's     XXXX   XXXX   XXXX   XXXX   I took out federal   XXXX   loans in an amount totaling roughly {$7 8000.00}. Beginning   XX/XX/XXXX ,  I started making income-based repayments. My loan was transferred to Navient. I have been making payments since then. My estimate i s 58 payments to date. However, Navient has only calculated 17 qualifying payments, and apparently only 10 on  XXXX  loan. This is a different of at least 41  payments.      I have also documented call times and who I 've spoken with at different stages in the process. Each step along the way, I would confirm my goal of PSLF, and continuously I was assured that a forbearance they recommended ( while locating paperwork they had lost, for example ) would not affect my qualifying payments. I was routinely given alternative facts and my account was mishandled. And 5 years into nonprofit work and making monthly payments, my student loan amount has only increased and my account only shows one and a half years of qualifying payments.     I 've done my best to record conversations after my account was continuously transferred to new loan servicers. Currently, I am told by   XXXX   XXXX   that I need to follow up with  Navient about disputing qualifying payments. But Navient  says they 're no longer my loan provider and is unavailable. Also, their number  XXXX  is not connecting today ,  XX/XX/XXXX  Please  advise. Thank you.
Hello, I was a victim of identity theft. I obtained a legislative security freeze. 
I obtained a XXXX from Equifax. 
With this PIN, I 'm supposed to be able to manage my security freeze and lift the freeze on demand. 
However, Equifax 's website does not allow me to manage my security freeze online. Even after I enter the proper, DOB, SSN, address, etc., I am never able to manage the security freeze online. 
I 'm very angry and frustrated. 
Equifax 's telephone support is non-existent. 
I did write to Equifax. 
Instead of addressing the issue, Equifax permanently unfroze the file without my permission. 
So, basically, Equifax wo n't allow me to manage my security freeze online, despite the fact that I have a valid ID theft PIN.
Has contacted company to inform them debt has been paid and in progress of being disputed with Navient and borrowers Defense to be discharged. Nelnet has not taken any action to allow me to send in document and currently charging me incorrect charges towards my account. I do not owe debt Nelnet is claiming I owe and company is allowing me to continue to be charged and interest accruing.
I reached out to the bureaus in regards to a dispute in question in regards to a repo that was on my credit reports, found out somebody had gotten a vehicle in my name and the vehicle im guessing has YET to be recovered, cant get any information in regards to it because I cant verify account information to whoever has the car so they only tell me what they can well I went to the actual dealership and they were able to give me some information to help me, I was able to contact the company and they finally sent me documentation in regards to the vehicle to help me get the car removed.
I was an account holder at Chase Bank in XXXX. WA. I went to an ATM and saw I had about {$240.00} extra in my account. I thought it was strange so I immediately went into the bank to consult with the teller who was also a branch manager. I told her that I thought there wasnt money in my account, but it was a possibilty as i had just gotten a large deposit and wasnt sure if I had miscalculated my account. I explained this to her and she repeatedly told me that all my payments went through and this was my left over available balance. She then proceeded to list all of my transactions to make sure we werent missing anything. After I was sure we had went through all of them, I said I might as well withdraw the money. I withdrew around {$240.00} in cash and proceeded about my day. About 2 weeks later, I get a notification my account was around {$240.00} overdrawn and my account was being closed. I called immediately with little to no help. I went to another branch and the branch manager from another branch said he would give me a call to clear the air and get this resolved. Here we are about 6 months later, no phone call. I believe it is Chase Banks responsibility to notify and explain all account over drawn info. Also the fact that I was in the bank when i withdrew this money and was repeated told by the branch manager that I was in the clear and I was more than okay to withdraw this money.
XX/XX/XXXX XXXX XXXX XXXX wired XXXX to a fraudulent account set up at the Wells Fargo Bank. XXXX believed they wiring the money to a Boat supplier they had done business with for over 40 years. The owner of the Wells fargo account had sent emails to our bookkeeper over a period of months establishing themselves as a representative of XXXX XXXX XXXX and instructed us to wire this payoff amount on a new boat to fraudulent Wells fargo account. XX/XX/XXXX Wells Fargo contacts XXXX XXXX that the received a wire on intended for them to the fraudulent account. XXXX XXXX contacted us and we instructed our Bank in MD to contact Wells Fargo to request a reversal of the funds. 1st request XX/XX/XXXX XXXX 2nd request XX/XX/XXXX XXXX 3rd request XX/XX/XXXX XXXX 4th request XX/XX/XXXX XXXX. XX/XX/XXXX XXXX Wells Fargo finally acknowledges receipt of inquiry and they will respond in due course. XX/XX/XXXX Wells fargo we are unable to to comply with request and requests indemnity form from XXXX Bank XXXX Bank fills request immediately. XX/XX/XXXX XXXX Bank only receives XXXX of the funds. XX/XX/XXXX, after repeated phone calls and emails by XXXX and XXXX XXXX XXXX ( owners of XXXX XXXX XXXX ) with no response. Wells Fargo again requests indemnity form from XXXX XXXX because XXXX XXXX accepted a Wells Fargo Cashier Check in the amount of {$28000.00}. XX/XX/XXXX Wells Fargo sends letter to XXXX XXXX that funds in the amount of XXXX were recovered from XXXX XXXX account. Wells Fargo did not in anyway do their due diligence on the fraudulent account. In addition Wells Fargo let critical hours and days and weeks go by before responding or making any attempt to retrieve the funds they knew were in a completely fraudulent account. We are a small family business and these funds are crucial and meaningful to the operation of our business. Wells Fargo failed at all to respond to us and treated the stolen money in their account as meaningless to them. Contact XXXX XXXX XXXX XXXX XXXX XXXX or XXXXXXXXXXXX
This is regarding my Citibanks credit card ( Card number ending with XXXX ). 

I purchased an Air ticket for 3 travelers ( Myself, my wife and my daughter ) from XXXX XXXX on XX/XX/XXXX. 

'XXXX XXXX ' issued me 3 ticket numbers ( for 3 travelers ) under a single PNR. The entire transaction amount were split into 3 transactions ( for 3 ticket numbers ).

I disputed all 3 transactions with Citibank on XX/XX/XXXX as 'XXXX XXXX ' did not allow us to travel on their flight even though we had proper documentations, passport, visa.

Citibank created following 3 dispute case numbers for three transactions and asked me to provide supporting documents. 
Case # XXXX Case # XXXX Case # XXXX I provided supporting documents for all 3 disputes on XX/XX/XXXX and I clearly explained to Citibank that all 3 disputes are related to same incident ( under a single air ticket PNR ) and should be looked into and processed together. 

Citibank started processing the disputes and I was communicated on XX/XX/ that Dispute XXXX was resolved in my favor and a Permanent credit was applied to my card. 

On the same day, Citibank commutated to me that other two disputes ( XXXX and XXXX ) were resolved in merchant favor as Citibank did not receive the supporting documents from me within the timeframe. 

I contacted Citibank multiple times and explained that I provided supporting documents for all 3 disputes on same day- XX/XX/ ( and I have the proofs ). So it was Citibanks negligent act in processing other two disputes ( XXXX and XXXX ) on timely manner which resulted the disputes in merchant favor. 

Since one dispute ( out of 3 ) was resolved in my favor and all 3 disputes were related to same incident ( under a single air ticket PNR ), it proves that all my 3 disputes were valid and we had proper documentations, passport, visa.

I requested Citibank to reopen other two disputes since it was not my fault, rather it was Citibanks negligence that they ignored my supporting documents for those two disputes ( XXXX and XXXX ). 

I made multiple attempts and request to Citibank either to reopen the disputes or credit the disputed amount to my credit card account. But Citibank did not honor my request. 

Hence I am seeking permanent credit ( Total = {$1700.00} ) for the two disputed disputes from Citibank. 

Disputed amount for XXXX = {$880.00} Disputed amount for XXXX = {$880.00} Total = {$1700.00}
On my credit report the account with XXXX XXXX XXXX was opened XX/XX/XXXX. As of today this has not been removed from my credit report. The 7-year clock starts ticking 180 days from the date XXXX month and year ) of the XXXX missed payment that led to charge off, collection, foreclosure or repossession. 
" The 7-year ( credit reporting ) period referred to in paragraphs XXXX 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. XX/XX/XXXXc ( 1 )
XXXX has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC Opened Date XX/XX/, 2017 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Improper student loan collection : breach of contract ; fraudulent, deceptive and misleading representations in debt collection ; collection by unfair and unconscionable means ; and fraud. Navient " redisclosed '' and " realigned '' the terms of the consolidated student loan repayment to increase the monthly payment amount after about 14 years of timely payments. No previous payment was ever late, and nearly all monthly payments were for more than the minimum amount due.
I leased a XXXX XXXX XXXX from Ally Financial, XXXX, MN on XX/XX/2014. My Account XXXX is XXXX. The lease was for 36 months and included XXXX extra miles per year which I paid for at {$.00} per mile, captured in my monthly lease cost. Agreement was any unused extra miles would be refunded to me at the end of the lease. The vehicle was recently turned in with XXXX miles on it, XXXX miles under what I had paid for. I am due a refund of {$1500.00} from Ally. When I contacted Ally one week ago, I was told, no, no refund was due because the vehicle was turned in early, which violated the lease. I said no, the lease was paid in full to the term of the lease ( the dealer I leased a new vehicle from paid the last months lease ), I simply gave them the vehicle back early, which should be considered a plus, as the vehicle is worth more to them. The vehicle is already sold, per the statement from Ally. Ally refuses to bend - they say the only way the refund would be paid is if the vehicle had been turned in on the exact day the lease ends, which seems utterly ridiculous and fully intended to allow Ally to avoid paying anything back to customers. Overall, I paid this lease in full, never missing any payments, paying early in all cases and Ally is saying a clause in the fine print allows them to not pay back what is due to me. Unfortunately, I have another ( new ) Ally lease now, which was finalized before i realized they wanted to refuse payment.
I received copies of my credit reports and saw that there were inquiries on there that I did n't authorize. I called all   XXXX   of the bureaus (  XXXX , equifax, and  XXXX  ) and they all told me the same thing that they are n't authorized to remove those inquiries that I had to call the companies in which the inquiries came from. Well, I did that and the companies referred me back to the credit bureaus and they told me once again that they are not authorized to change anything. It 's been a lot of back and forth and I am not satisfied with this.
On XX/XX/2016, a court order was issued vacating a XXXX XXXX   judgment, I contacted Trans Union and forwarded them a copy of the court order, they were contacted three times about this matter, they fail to remove the negative information from my report, because of that my credit standing was affected with other lenders causing a financial meltdown, the information is still listed on my credit report, please be advice that when a court vacates a judgment, it is as if the judgment never existed, therefore all information related to this matter must be completely removed from my credit report, a vacated judgment should never remain on anyone report, I believe my rights has been violated.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX We disputed the information that 's being reported to my credit report which is incorrect and this company has n't provided me validation of the information that they 're reporting and using general information to confirm this incorrect information. This is causing very negative effect on my credit report scoring and I want this information removed ASAP
I had just opened a basic online savings account with TIAA Bank, which showed up in my online banking. Today, I logged onto my online banking and saw that TIAA had closed my online savings account without any kind of notice or explanation.
Early morning XXXX/XXXX/2016 I came outside to go to work and my car was gone. I currently have a loan with Bridgecrest financial formerly XXXX. I had to wait until XXXX cst to contact their offices in Arizona I spoke to the redemptions department a gentleman named XXXX who informed me that my car was repossessed I was in shock when I have been making payments and arrangements every two weeks with an account manager and had a current documented arrangement for XXXX/XXXX/2016 He then advised me they will have to look into the issue and call me back. About an hour later I received a callback from XXXX who advised that what I said was true the call with the previous agent I made arrangements with was pulled. So the company admitted to wrongfully repossessing my car sighting it as an " system error ''. I was then advised they would pay all fees but I would have to go get my car I advised that is unacceptable and it should be brought back to me since I had no means of transportation. I was then told it could take up to XXXX10 business days to bring back my car that they wrongfully repossessed. I was upset and at the mercy of the lien holder I missed a whole day of work and had to pay XXXX dollars to take a cab an hour away to retrieve my car they wrongfully repossessed. I want to be compensated for the time I missed and money I lost because of their error.
I responded to a letter from Client Services Inc. regarding an alleged debt by sending them specific demands for legally required paperwork they MUST provide as per The Fair Debt Collection Practices Act. All they sent me back were statement copies. The Federal courts have already ruled that statement copies alone do not meet the standard for validation of a debt by a debt collector
Received a cc in the mail which I never requested, called the number in the back and they ask you to enter your SS #, they insist continuously until you are able to speak with a person in a foreign country ( assuming based on the background noise/ conversation heard ) Could this be  identity theft?
In late XXXX I contacted Wells Fargo Home Mortgage regarding a loan modification after several months of unpaid medical leave of absence. They advised me to just " pay what I can '' and that since I would be going through the modification process that I would be reported to the credit bureaus as paying under a " payment plan. '' This is in line with what they did in XXXX, when I modified as well. I entered into the trial payment plan, made each as specified, but I didnt complete the modification as I brought the mortgage current on my own. Wells Fargo lied about how my payments would be reported. Though they reported them correctly during my modification XXXX, this time they reneged on their promise. They reported me as 30, 60, and finally 120 days late, despite the fact that I paid them exactly as specified under the modification terms. This has wrecked my credit and put me in an awful predicament.
On XX/XX/2018 I submitted a dispute to XXXX, XXXX and Experian in regards to some accounts that I gave no consent to. The dispute is stated that action is to be taken in 4 days yet we are nearing 90 days and to no avail.
This debt agency keep calling my telephone number day and night harassing about this account. I stated to them that I was n't working and had lost my job in XXXX but it like they do n't care what I say and keep calling my telephone like I am going to do a magic trick to cough up some money.
MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX The above referenced company is reporting an outstanding loan in the amount of {$2000.00} with an original creditor XXXX XXXX. I have never requested or acquired this loan and have no idea who XXXX XXXX is. This collection appeared on my credit report as of XX/XX/2018.
I am buying a home and on my credit bureaus there is a collection for a company named J.H. Portfolio Debt Equities, LLC. I called to clear up this matter and was told it was not being handled by them as they are a buyer of debt not a collection agency and they referred me to XXXX XXXX. XXXX XXXX states they are just a call center that distributes debt collection to various agencies and I needed to contact XXXX XXXX XXXX which I did and settled out this debt on XXXX XXXX, 2016 and was told it will be deleted once updated. I received a letter from XXXX showing it was paid and that there is a zero balance but apparently they do not report to the credit bureaus and they said I needed to contact the original creditor which is J.H. J.H. is being impossible to deal with and refuses to provide accurate information and states that they will not provide me a letter stating it has been settled in full. They are continuing to report this as open with a balance due. I have spent weeks attempting to resolve this and J.H. will not return any messages and told me that they are sorrily with how they are handling this. In the meantime I am losing the house we are trying to buy and my family is going to be homeless in less than 2 weeks. I have begged them to just give me a letter stating that they are not a collection agency and who the agency is because the bureaus will not accept a letter from XXXX because they are not the ones reporting on it.
I received an email from a Company pretending to be associated with XXXX XXXX. They said I received an award. It was a fraudulent enticement to purchase on a recurring charge a product. I learned from Citibank I had only 14 days to cancel the recurring charge. I was out of the country so was unable to access the information to stop the charge. The small print was not legible and I was not aware that it was a recurring charge. Besides I was confident that since I had a virtual account number from CitiBank, they would only charge me one time, for XXXX. I was shocked that they were able to use that virtual account number 2 times as you can see on my credit card statements from 2 different months. XXXX from Citi disputes said it was the same transaction. I differ with that as it was charged at 2 separate times.
Man by the name of XXXX continues to call family members about a debt that is not valid. He continues to leave threatening voicemails on my family members as well as my cell phone stating " This is a very serious matter '', " I must call him back ASAP ''. I once spoke to him and he stated that " before this gets out of hand, you and your father need to make a decision about paying this ''. He would not stop trying to " sell me a deal '' with some outrageous requests such as taking loans out so I could pay him before I ruin my fathers credit.
Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need have documents or issues. One day I believe they even called me before XXXX XXXX. They call 4 times a day on my cell at least daily. I have not given them permission to call me or my cell. They dont leave messages. I feel threatened. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the mental, emotional and medical stress and distress this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX XXXX and XXXX   are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards