WillisBack/dataset-financial-user-claim huggingface dataset:
The name of the credit card comp any is Citi, p hone number  XXXX . In  XXXX   XXXX  and  XXXX   XXXX  I had several phone conversations with them regarding charges for purchases that I did not make. They agreed that I should not be charged and, at my request, closed the account.     Then, on  XXXX   XXXX ,  XXXX , I received an email fro m Citi informin g me that I owed money on a card. Remember, my account had been closed in  XXXX , plus I never and do not have a card ending in the  four digit s shown on the email. I called immediately and was transferred twice and complained to  Citi about th is. Finally, a customer service rep put me on hold for an hour while he " checked into it ''. He said there was no one in the office that could help me at that time but he would call me back the next day. He never did.     Then on  XXXX   XXXX ,  XXXX , I received yet another email telling me that my charges have INCREASED TO {$97.00}. The amount of money is not the issue. The issue is this is fraud. If I pay it, what assurance do I have that they will not continue to charge me for more cards that I do not nor never did have?     I called  Citi a gain on  XXXX   XXXX ,  XXXX . They told me there was not even a record of my complaint regarding the  XXXX   XXXX ,  XXXX  email but that the " system '' indicated I owed money on this card I never had. Again, there was no one in the office that could help me.
To whom it may concern, I am being hit with ( 2 ) hard inquiry on on XX/XX/2018 and XX/XX/2018 from capital one which was not made be me and was 100 % fraud. This was not authorized by me. I called capital one regarding this fraud and they put on with there higher representatives. 

I was told this was gon na be removed from my file and now months later I still see it on file. Again this was not made by me and I can answer any security questions about myself to prove that I am myself.
On XXXX XXXX, XXXX, I learned that Equifax had improperly allowed unauthorized parties to access my personal information, including my social security number. This incident happened in XXXX, but the public was not informed until today.
Contacted Experian to see what was needed to remove XXXX errors off of my Credit Report. Was told it would all be removed and to wait 30 days and check report again. Waited 30 days and items were still on credit report. The attachment is what I pulled off the county clerk site clearly indicating my parents are the correct party. Not myself. My name is XXXX XXXX XXXX, I am not married. XXXX XXXX and XXXX XXXX XXXX are my parents and who have the liens and judgements
During a recent review of my credit report, I noticed a credit inquiry by GreenSky Installment dated XX/XX/18 that I did not recognize. I contacted the company via certified mail which was signed and received by the company on XX/XX/18. The company replied back on XX/XX/18 reporting that they serviced the account on behalf of XXXX XXXX which I am not familiar with. They concluded their correspondence by reporting that the account was verified. I sent a second letter via certified mail to GreenSky that was received by the company on XX/XX/18. In the second letter, I again disputed the inquiry and requested their verification procedure. To date ( more than 60 days since my last communication and more than 90 days since my initial communication ), GreenSky has not responded to my request for verification procedures and have not noted my dispute on my credit profile, as required by law including for credit inquiries.
XXXX XXXX will not respond back to issue on my account they source it out to XXXX XXXX XXXX XXXX. On XX/XX/18 they sent the account back to XXXX XXXX in a disputed status. XXXX XXXX   will no respond back not even to they hired to collect which is XXXX XXXX XXXX.

I have mailed US Certified mail with no response. I have called and get nothin g but the run around.

When I switch from XXXX XXXX  they took 4 months to get the finale bill to to XXXX and had sent the account to collections before they settle with XXXX. I have letters going back that I mailed XXXX with no response.

There was a lot of errors with XXXX on this account and as yet to be settle.
Re : scam/misapplied payments/predatory lending Ditech Financial LLC aka Green Tree registered at XXXX Box XXXX, XXXX XXXX, SD XXXX is a mortgage lender. 

I have consistent history of making timely monthly payments for more than 8 years starting in 2008. All monthly payments are sent using XXXX automated billing. 

Ditech misapplied monthly payments in the amount of {$3600.00} and put account in collection status. All payments have been submitted consistently through a third party payor, XXXX, who confirmed that Ditech received a monthly check in the amount of {$3600.00} and cashed it every month. 

Ditech refused to cancel PMI which reached 79.19 % and refused to respond to my multiple communications including the ones sent via fax, email and mail. 

Ditech failed to : *apply all monthly payment checks from XXXX ( cashed by Ditech ) to my account *remove late fees and bring the account into a good standing *cancel PMI *respond with an explanation why Ditech was cashing monthly checks in the amount of {$3600.00} each month and not applying it to my monthly bills, assessing late fees and collection fees
I was trying to send remittance ( amount of {$210.00} ) to my sister in the XXXX to pay for the tuition of my other siblings via REMITLY.COM of Remitly INC. I sent the money online on XXXX XXXX, 2015 and paid {$3.00} fee so the money will be received minutes after it was sent. Minutes after I sent the money, I received a message from REMITLY saying its taking some time for their partner bank to respond. So I called them up to check the status of my remittance and they told me the same thing that it is taking sometime for their partner bank to get back to them and they told me that maybe its because it is weekend ( I called Remitly on Saturday and Sunday ) in XXXX. So I waited till Monday but still nothing happened. So I called them up again to know what is going on but they told me the same excuse ( of their partner bank not responding ). I complained to them about why they are charging me a fee for a service they can not deliver. To appease me they told me they will waive the fee. But till now I have not received any reimbursement. The reimbursement of the fee does not really matter as much as to where my money went. They told me that their partner bank still has not gotten to them. I was getting frustrated because the money is already needed to pay for my sister 's tuition. I told them to just cancel the transaction and give m my money back so I can utilize other avenues to send the money. They told me they can not do that and that they will get back to me as soon as they hear from their partner bank. It is now Wednesday ( XXXX XXXX, 2015 ). It 's been 5 days since I sent the money and nothing is happening. I keep calling Remitly and all they answer me is their partner bank has not responded yet. I am writing this complaint because first I needed my money back because I need to send it to pay for my sister 's tuition ASAP ; 2nd the company charges for a service they can not provide ; 3rd Remitly continue to do nothing to resolve my issue. All I need is for the transaction to get cancelled and my money back to me if they can not carry out the service they are supposed to do. 

My name is XXXX XXXX ; phone : XXXX email : XXXXXXXXXXXX
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

This should be rectified by : Equifax should be required to monitor my account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. If there is fraud due to this misuse of my report, Equifax should be responsible for correcting the fraud as well as responsible for any associated costs. 

Additionally, Credit freezing should be free. Requiring a police report is absurd when they clearly know if you were affected.
I paid {$3800.00} on XX/XX/XXXX paid my account in full. I was told by several representative that they report to XXXX XXXX every XX/XX/XXXX. Nothing has been reported. I called XXXX XXXX and opened a dispute on XX/XX/XXXX. I called an spoke with manager XXXX XXXX at Prosper Market Place that they reported and it is not his problem when XXXX XXXX updates there information he said he could send me out a paid letter in full which he did not. this was on XX/XX/XXXX. I called XXXX XXXX XX/XX/XXXX spoke with Supervisor said there still was no update and my dispute came back showing the same thing not paid. I have gotten but poor customer service from Prosper Market Place. 

The total payments in all was {$5600.00} paid off in 12 months ( loan term was 36 months I paid it off early ) Loan originated XX/XX/XXXX interest rate 9.46 %
I purchased a XXXX XXXX XXXX in XXXX a lienholder title state in XXXX of XXXX, than moved to XXXX a title holding state and registered the vehicle in XXXX of XXXX. I subsequently refinanced with another company car finance capital who is requesting the original title " XXXX '' for some reason Santander consumer consumer sent a copy to XXXX but can not produce the title for a reason unknown. I would think that as the lienholder they would have the original title but they " Santander claims that I supposedly have it.
I refinanced my home equity line of credit with Bank of America in XX/XX/XXXX. This year they contacted me to advise that under a new program I can qualify for a lower interest rate. I applied. In XXXX they advised that they were not able to approve the application because " loan to collateral value ratio exceeds lending guidelines ''. Verbally I was told that I could qualify for {$40000.00} less then my present balance. 
I assume they are saying that my house went down in value at least {$40000.00} in XXXX year since they refinanced me in XX/XX/XXXX. The property was reassessed for XX/XX/XXXX by XXXX XXXX XXXX, and the assessed value increased by thirty-three percent ( 33 % ) since the last reassessment. 
I write to Bank of America on XX/XX/XXXX, to request information as to how they can justify their determination. To date I have not received a response.
XXXX XXXX XXXX turned over a loan for collection to the XXXX  XXXX XXXX  XXXX on XX/XX/XXXX that they claim I owe from XX/XX/XXXXin the amount of $XXXX. They have only contacted my mother, the cosigner, via mail for the first time on the first week of XX/XX/XXXX regarding this loan and I have yet to receive any information at all. My mother is still currently making payments on a loan for the exact same amount, also originally owned by XXXX XXXX XXXX, that was turned over for collection to XXXX XXXX XXXX in XX/XX/XXXX. I was made aware of this issue when I checked my credit report and found this loan for $XXXX posted to my report that was opened XX/XX/XXXX. My mother has contacted American Education Services , who I have multiple student loans with ranging in years from XX/XX/XXXX-XX/XX/XXXX when I attended college, She asked them for a promissory note for this loan along with any other information verifying the validity and they keep informing her that they are working on it. She has also contacted XXXX XXXX XXXX via a phone number on the letter and requested the same information to which they responded she will receive it in the mail within thirty days. The letter also stated that she had thirty days to dispute the validity of the claim before they pursued other actions to collect this debt.
The  XXXX   XXXX   XXXX  sent a credit balance of {$1700.00} to my closed Chase credit card on  XXXX   XXXX ,  2017 . I have yet to receive the money. Chase claims to have sent me a check on  XXXX   XXXX ,  2017  which I never received. I called at leas t four time s between  XXXX   XXXX ,  2017  and  XXXX   XXXX ,  2017  asking about the credit balance I was due. I have the id numbers of the individuals I spoke with. No one informed me until  XXXX   XXXX ,  2017  that a check had even been sent. I informed them again that I had not received a check and was told they would stop payment on the lost check. Today I called and found that they did not put a stop payment on the check until  XXXX   XXXX ,  2017 . Today  XXXX   XXXX ,  2017  they are telling me I will now wait anothe r two weeks for a new check and maybe even another 30 to 60 days for the process to start again. In the days of electronic transmission how can this ineptness occur? My contention is that they never should have accepted a credit to a closed account. Secondly when I found this had happened I should not have had to wait 30 to 60 days to have the money returned to me. Once they started the process I should have been n otified that a check was sent. Finally once I started asking about the credit I should have been told a check was sent. I was not thus further delaying the time frame to stop payment on a lost check. Unfortunately just another example of how the big banks take advantage of the consumer. Now I wonder if I will ever receive this credit. Would appreciate some help in this matter.
I have a debt from this company showing on my credit report that does not belong to me. I was the victim of identity theft.
I purchased XXXX ethereum ( a type of cryptocurrency ) from Coinbase on XXXX/XXXX/XXXX which was added to my account. On XXXX/XXXX/XXXX I purchased another XXXX ethereum, which was never added to my account. I tried to contact them on multiple platforms -- their website, email and twitter message ( which they actually recommend ). I have not heard from them at all and they 've since deleted my case on their support website.
This is a duplicate debt that has already been disputed and deleted off of all three credit bureaus by previous owner of debt. This debt was disputed and deleted through the consumer financial bureau. The case number is XXXX. The correspondence is below : I have filed a complaint with XXXX before regarding account number XXXX Please be advised this is my FINAL ATTEMPT to resolve this matter In addition, this letter serves to inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character In the event you are able to provide the requested documentation above, I will require at least 30 days to investigate this information during which time I expect no further contact from your offices or the company that you represent. Furthermore, during this 30 day validation period, if you take any action towards any of my credit reports which could be considered as having a negative effect, I will have no choice but consult with my legal counsel for suit. This includes listing any information to a credit reporting agency or other repository that could be inaccurate, invalidated and/or verifying that an account is accurate without having sufficient proof to back up such claim. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and once again I will have no choice but to seek the advice of counsel and file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. I look forward to you response and validation or deletion of the above referenced account so that I am not forced to proceed with any legal action
I am in the process of trying to get my credit report pulled by my mortgage company in order to start the process of buying a home and have already had issues with my bank getting my credit information and scores from Equifax and was told by the bank there must be a freeze on the information. I contacted Equifax several months back around XXXX to find out what the issue was with my bank unable to pull my information and originally was told there was not a freeze on the account but that my old address was still reporting and that was causing the issue. We attempted to have the mortgage company pull the report again using my address from 3 years ago but they still could not obtain the information. Customer Service with Equifax told me to fax my information to their Dispute Dept which I did but received a letter less than a week later stating my information was not readable and to mail a copy of my DL, SS, Rental Agreement and any other supporting documents to their XXXX address. I mailed all this plus a copy of my most current Credit Card statement in color copies to their dispute department via USPS non-certified in order to try to speed up the process and get my current address updated. I just received another letter back from them stating my information does not match their records and again to send all this information to them. I do n't know what other information I can provide as I have provided them with everything that they require plus some to verify my identity and this is now costing me even more time and money to fix their lack of properly updating my information.
Around XXXX XXXX, 2017, I signed up for a Ann Taylor XXXX in my local XXXX Alabama store. I was told the XXXX account would be automatically merged into my existing Ann Taylor card account with Comenity Bank. I went online to pay my card balance and it was not reflected in the balance. I called customer service and was told it 'd be resolved. Within two weeks, I started receiving harassing phone calls from random unidentified numbers. They never left messages. I would 've responded if they had left a voicemail. The frequency of calls increased within another week from 2 phone calls a day to 10-15 a day everyday. They always originated from a Caller Unknown Number on my cell phone and never left a message. Finally, out of pure exasperation, I answered the tenth phone call today on XXXX XXXX, 2017, from an Unknown number. At first, there was no answer but then a woman asked for my name and said she had official business. I asked from whom and she was reluctant at first to say whom. Finally she stated she was calling from Comenity Bank, claimed I was late and demanded I make a payment immediately. I explained all the aforementioned issues. She said that it wasnt her department and that I needed to make a payment tonight. I said I did n't feel comfortable giving sensitive payment information to someone I couldnt verify over the phone, and demanded that the robocalls stop. She said they would n't and she did n't have any control over that. I again explained that my accounts were never merged and that I never received notification of non payment. She still insisted I pay over the phone even though she never verified her identity. I said I would call in the morning and make a secure payment through a verified customer service line and agent. She told me the calls would n't stop until I made a payment. Frustrated and trying to explain that the issue was theirs, I hung up.
I entered a hospital four years ago to have a XXXX XXXX removed. I was under a XXXX for an hour or so. 

XXXX XXXX sent me a bill for a procedure I never received. 

They turned it over to a collections agency which submitted it to Experian. No other credit agency would take this false claim as there is no documentation that I agreed to this, that the procedure was even performed. 

I complained to Experian and the extent of their " investigation '' is asking the collections agency if it is valid. 

So, if I said XXXX XXXX owes me {$20000.00} and reported it to Experian, well then XXXX has a black mark on his credit and Experian will ask me if its valid. No documentation, no proof, nada. 

This is a form of slander. 

I want it removed, or remove Experian 's right to operate in this country. They do not seem to understand contractual law. 

Thank you, XXXX XXXX
I had XXXX XXXX XXXX XXXX. 
I defaulted on the card because of XXXX change in policy that I could not afford to keep up with and mounting medical debt. 
It was sent to collections and XXXX LLP have harassed me and made false statements. 
Legal aid helped me find court documents with falsehoods and service papers. 
I am on Social Security XXXX and can not make payment. 
The dates on the papers sent to me by them with Supreme Court of XXXX headings seem not to be legitimate listing multiple addresses. 
I was never served by anyone with the papers. 
I received a letter dated XXXX XXXX, 2015 referring to a complaint dated XXXX XXXX in which I was given 20 days to respond to. Obviously this voided my opportunity to respond. 
The rest of the documents legal aid found online. I had no knowledge of these. 
The affidavit of Service from XXXX XXXX is also false, I was never served, this document was also found on line by legal aid. 
The dates are all untimely and impossible to meet. This is all done in an attempt to scare me into paying them. 
This is to include phone calls and claiming to have served me.
We originally got our mortgage with XXXX bank the pic a payment mortgage which is a XXXX loan.. we bought our home in florida XXXX 2005,, there are class action law suits and then it switched to wachovia and then to wells fargo, we are in pre foreclosure and hired a company to do a criminal investigation and they found crime and fraud in our loan and also they fraudulanty signed my husbands name to the rein carnated XXXX closing statement he was not even at the closing, ,it was only me.. he was in XXXX for the closing.. there is no assignments of mortgage and wells has no proof they hold the mortgage but yet we are in pre- forclosure and i know they foreclosed on so many homeowners illegally.. we dont want to be a victim like so many.. how can you help us
Capital One issued me a XXXX XXXX Preferred credit card. They change the minimum payment and can not tell me, nor is it written anywhere in the terms I agreed to how they decide the minimum payment amount from month to month. I contacted them 4 times on XX/XX/18 to try and get an answer from someone, even spoke to a supervisor. He did not help. I began with a purchase that was maxed out. The minimum payment went up as the balance went down. I was trying to figure this out on my own, since they could never help me. It went up {$82.00} on me and can not tell me why or guarantee it says at that amount. I would like you to tell me if it is legal to cause someone an unexpected payment which can not be planned for and causes them to get behind, with no business reason for it. Otherwise, I want you to investigate. Now, before they pass me off as a XXXX who can not read, I am aware that they add deferred interest, past due amounts and fees to the statement minimum payment. I do not understand where they come up with the statement basic minimum payment when none of that extra circumstance applies.