WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I applied for a Citibank card with a balance transfer of {$3900.00} to my XXXX account. 
The balance transfer never posted to the XXXX account. On XX/XX/XXXX,  while on vacation, I received an email from Citibank saying my statement was ready with a balance of {$4000.00}. I called Citibank to inquire when the balance transfer would be completed. They informed me that the transfer had cleared the bank on XX/XX/XXXX. After 23 minutes on the phone they said they were placing an investigation ( ref XXXX ) they insisted I needed to call XXXX to have them find the funds as they had posted to someone else 's credit card account. 

I called XXXX and asked for help and was told if I could get them the bank account number the transfer had originated from they could find the funds and correct the issue for me. 
I called Citibank back and had to request a supervisor as the operator couldn't understand the difference between my 16 digit credit card number and the bank account the transfer came from. ( I also never received the Citi card )XX/XX/XXXX I called Citibank back to check up & was told it was my problem to work out as the funds had cleared the bank. It took more than 30 minutes to get a supervisor on the phone who finally understood the funds weren't put in my acct but were credited to a strangers account ; she wouldn't give me the bank account number XXXX had requested to trace the payment but stated she would call me back and I still haven't heard from them. She did tell me the cc number the funds were applied to so I called XXXX back, they can see the pymt but since it isn't my account they need a transfer transmittal report from Citibank. After another 21 minute call they recorded what i needed but told me I have to wait to be called back. 
Citibank 's inability to understand a simple mistake and provide resolution for the customer is resulting in the worst customer service issue I have ever experienced.
My parents received a voicemail from XXXX saying that I had outstanding debt. However, I do n't having any outstanding debts at all. They left a reference number. My mother told me and I called back to resolve the issue. I had already searched the number before I called and saw that others had issues. They asked me to verify the last four digits of my social security number. I said no and they hung up.
My XXXX student loan was bought out my Discover a few years ago. the first contact made my discover, was after they sent my loan to a collector agency. After I paid my loan for six months, Discover bought my loan back from the collection agency but did not inform me of this until after I called Discover because the payment was no longer going through my account. Discover was unwilling to lower my payments, and added penalties to my loan. Discover would not give me information for my taxes, until after the filing date of XXXX XXXX.
I have recently credit my credit file. I have noticed several collections accounts on my file that is no accurate and should not be on my report. It also show a dismissal is a bankruptcy that should have not been there due to that it not mine. I have contacted the bureau of several attempts and have gotten no results. My next step will be to contact an attorney due to the history of these accounts hurting my credit. These accounts are stopping me from providing for my family.
just recently checked my credit report and found out that this collection agency reported me to the credit agency. I have spoken with this agency representative on the phone and they threaten me with legal action for the bills I do not own.
XXXX XXXX XXXX falsely reported a 30 day late payment on my XXXX credit report. I was never 30 days late on any payment. After bringing it to their attention, they still refuse to remove the false reporting.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, NY XXXX
On XXXX XXXX, 2015 I ordered a Washer, Dryer and accessories from BestBuy store in XXXX, Ohio XXXX. I was delivered on XXXX XXXX. The washer was defective and was returned to BestBuy on XXXX XXXX. Return authorization number XXXX. Since that date BestBuy/Citi Bank continue to refuse to credit my account pending their internal processing which they state will take 45 days!! Within 3 weeks, I ordered, received and returned their defective product. Now BestBuy states it will take another 6 weeks to research and resolve.
I opened an account with zions bank around XX/XX/2018. The first issue was that a mobile check deposit that was given to me as a birthday gift for XXXX had been rejected. I had called customer service to ask why, and she said that since I was a new customer that I was unable to deposit checks. The funds cleared a few days later. Around XXXX, I had a payment for a credit card payment for XXXX bounce with no notice. On Wednesday the XXXX, I had went to the XXXX XXXX branch to attempt to close my account. The Teller said I had a block on my account and didn't know why. She was able to call someone in the back office to get the funds released. I ask her to close the account but she was unable to nor was she helpful at all. On XX/XX/XXXX, I logged in to my online banking and see that the XXXX is apparently still there when I took it out on Wednesday!
See attached complaint to the Office of Comptroller of Currency. I was referred here. 
All address information is on the attached form. A charge was made by XXXX to my CitiCard for a service that I cancelled. See attached picture of my computer dated today showing my XXXX subscription is cancelled. I disputed the charge to CitiBank, they responded by saying XXXX did not cancel my service and I need to show an email from XXXX saying I cancelled. XXXX provided no such email, but they obviously cancelled my service as evident by the screenshot I've attached. Anyway CitiCard refuses to remove the charge from my account unless I can provide an email from XXXX, who will not give me one. XXXX also said they renewed my subscription, while the attached screen shot of my computer proves they did not.
I recently found an item on my credit report with all 3 bureaus ( XXXX, Experian, and XXXX ). With XXXX, the fraudulent account appears as " Indiana XXXX XXXX '' with date open of XXXX and account balance {$19000.00}, account # XXXX. With Experian, similar information is listed with the addition of an address and phone number : XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX This address is for Indiana University XXXX XXXX, but the phone number takes me to what I believe to be fraudulent individuals attempting to get me to make payments for a loan I did not originate. I have also been getting letters and voicemails from individuals claiming to be associated with Indiana University that I have not responded to due to the appearance of fraud. The most recent of these voicemails was left on my cell phone on XXXX XXXX, 2017 at XXXX from phone # XXXX. The voicemail reads, " Hi I 'm trying to reach XXXX XXXX, this is XXXX with Indiana University, please give me a call at XXXX, option 6, thank you. ''
XXXX closed their business in XXXX, but I had made attempts paying my payments on time for 15 years on a XXXX limit account. My account was in good standing for 15 years - never late. Between XXXX and XXXX, I was told that my payments were not to be made at store any longer - even when pleading with manager to save on stamps to mail payments. I told them that when making payment to XXXX processing center - my payment was not received and in XXXX told that they received all my payments and that my account was going to be placed as paid in full. At some point in time, Midland Service took over the account and claimed that I owed 900 dollars on an account paid in full. I requested to be given all my account information they had in file - but they repeated the information I had told them about being in good standing for 15 years and that I owed XXXX bank a balance unpaid. I did not agree with them and told them they were mistake, but they kept insisting that I sent them my information to clear their records. I never ever had an account with Midland Service or made any agreements with them, but they have have not complied to my requests since they created their fictitious amount in XXXX. Please investigate this company and have them remove their account from my credit report and any associations with me.
Dispute remarks were added to my account on XX/XX/2018. I immediately called XXXX and they agreed to remove the remarks from my credit report with all three credit bureaus. Remarks are still there and have yet to be removed. These dispute remarks are lowering my credit score and I would like them removed immediately as I was told by a XXXX representative that the marks would be removed.
PLSF : I have been making qualifying payments towards the PLSF- Public Service Loan Program since my employment with a governmental organization ( Department of XXXX XXXX and XXXX ) since XX/XX/XXXX. I have the employment certification confirming this information since XX/XX/XXXX to present day. 
In XX/XX/XXXX, I received a payment count letter from XXXX noting that I have made only 4 out of 24 Qualifying Payments towards the PLSF program fromXX/XX/XXXX to XX/XX/XXXX. I then contacted XXXX in XX/XX/XXXX requesting review of the payment history and why only 4 payments were being counted and not the entire 2 year period ( 24 payments ). Please note the payments were paid through my debit account as per instructions provided by XXXX and verbally confirmed via customer service at fedloan that these payments were being counted under the PLSF qualifying payments from XX/XX/XXXX to XX/XX/XXXX. 
In XX/XX/XXXX, I had not received any updates regarding the payment review or an updated qualifying payment letter. So I filed a complaint regarding this matter through Student Aid feedback in XX/XX/XXXX. I was then assigned a team member from XXXX and an updated qualifying payment to 23.  However, the payments from XX/XX/XXXX to XX/XX/XXXX stands at 4 due to pay ahead schedule that i requested to be taken off and reviewed as XXXX verbally confirmed that the pay ahead schedule is being reviewed and can be disputed if i was given the wrong information. On XX/XX/XXXX, they confirmed the review has been closed and the payment count for XX/XX/XXXX-XX/XX/XXXX stands at 4 due to not paying full a, ount due to pay ahead status.
I recently discovered XXXX XXXX was incorrectly reporting my account as being 30 days late for the period from XX/XX/XXXX to XX/XX/XXXX. I contested the incorrect reporting and showed them they were not properly crediting the first payment made in XXXX of XXXX. After my complaint not only did XXXX fail to correct their error they reported me late on six additional occasions. The credit reporting is attached. I have also attached XXXX on payments history which show I was never 30 days late. The initial 4 mistakes was their error but the addition of 6 other months and a claim i was 60 dyas late in XXXX of XXXX was not only wrong it was intentionally damaging to my credit report. Not only have I never been late I have always paid in excess on the monthly payment. At this time I am 2 months ahead.
I have had an issue with Bank of America charging the wrong account when I make a payment. 
My credit card accounts only have ONE pay from account. I have had to delete old accounts at least three times when they have reappeared. 
On XX/XX/XXXX - I made my regular payment.

On XX/XX/XXXX - I logged into my bank account and there was a note that Bank Of America attempted to withdraw from my spending account. This was previously the account that I had the XXXX  money withdrawn from - but deleted it from my profile. I then resubmitted the withdraw and confirmed it was from the correct account. 
On XX/XX/XXXX I was charged {$27.00} for a " returned check fee '' - even though it was not a check. 

This has happened several times and I have confirmed that all other pay from accounts are currently deleted. A customer service rep told me last year that this happens when their system is upgraded and it pulls back in old accounts.
My auto monthly payment is due on the XX/XX/XXXX, however I make a payment almost every two weeks. I've had this loan since XX/XX/XXXX and I've never made a late payment. I was actually paid ahead at one point. I've also always made an online payment, with the same checking account that I've had going on 15 years from XXXX. I logged on to the system to make a payment on Saturday XX/XX/XXXX, however I received a message stating there is system maintenance and to try again at a later date. I then tried again on Saturday XX/XX/XXXX around XXXX cst. and I received the same message so I called customer service at XXXX XXXX  and I spoke to a young lady by the name of XXXX XXXX. She advised me that there's usually system updates between XXXX and XXXX XXXX  cst on Saturdays, and that I should wait about 20 minutes or so till it's XXXX my time and make the payment and I did. When I logged in about 45 minutes later I noticed that all of my checking account information that was in the system was wiped out. So I entered all of my checking info again and I made a payment of {$440.00} at XXXX and I have a transaction ID # and a screenshot of the date and time of that payment. ( Since I made the payment after 4, the payment date reflected XX/XX/XXXX ). On Friday XX/XX/XXXX at XXXX, I receive an email from my lender stating that there was an error processing my payment. So I called customer service on XX/XX/XXXX at XXXX XXXX  and spoke to a gentleman by the name of XXXX XXXX. I advised him of what my experience was the last few weeks and he acknowledged that there was a system update that wiped all of the payment info from the account and there could have been an error processing the new payment. And he asked me to make a payment over the phone, and I declined. My normal payment method is online, so while I was still on the phone with him, I logged on and made a second payment for {$500.00} at XXXX XXXX. I asked him if the payment will be effective dated to the original date I submitted the payment ( since it's their error ) and he said once the payment goes through, for me to call back and someone can help me with that. I also have a screenshot and the transaction ID for the second payment as well. I asked him how long does it normally wait to post, he said I should know by 5 business days starting Monday XX/XX/XXXX. I checked my email for a payment confirmation in addition to my checking account daily to ensure the payment was processed and there was nothing. So after 5 business days ( XX/XX/XXXX ) I called customer service at XXXX. The call automatically went to a collections agent since I'm " technically '' 11 days late, and that's where I spoke to XXXX XXXX. And just like I did XXXX, I told her what happened and said I'll make a payment however it needs to be effecitve dated correctly back to 02/25 since that was the original payment date and she said she could not do that. I asked to speak to a manager and I was on hold for almost 10 minutes with no success. So not to perpetuate the problem, I made a third payment over the phone with her for {$500.00}. 

I attached screenshots for the two online payments made as proof.
On XXXX XXXX, 2017, Equifax was breached and my personal information, including Social Security Number,  birthdate, address, and driver 's license number were released to hackers. Because of this I 'm a likely target for identity theft.
For over six months now and after multiple disputes with XXXX XXXX XXXX XXXX, they have failed to thoroughly investigate an error in my credit file. They have failed to comply with the fair credit act by investigating an error in a timely manner. I have requested for them to submit to me their method of verification for a debt by the following company XXXX   XXXX Account number XXXX amount {$11000.00} This has been an ongoing unresolved issue. Experian has failed to comply with the FCA with verifying the accuracy of negative information placed into my credit file. I have not received any documents from the Creditor or Experian in reference to validation of alleged debt, This has caused a great negative impact into my credit file.however, without documents as requested, Experian continues to report this derogatory debt. All that I ask is that this matter be more thoroughly investigated and supply me with copies of valid documents that bind me as a consumer to this debt by CONTRACT.. My request is for this to be completed within the time table allowed and governed by the FCRA. I would like all documents provided to me via mail.
Received numerous telephone calls from Citibank late in XXXX stating that my account was " past due ''. When I finally reached a person there that I could understand, XXXX, on XXXX XXXX, 2017 she explained that my most recent payment was {$4.00} short of the minimum payment. I checked my records and agreed. I made an immediate payment for {$4.00} ( confirmation number given as XXXX ) and she advised it was received. She also stated that a {$39.00} late fee would be waived and {$60.00} in interest would be removed. ( Citibank had apparently changed my interest rate from 12.15 % to 28.24 % because of the {$4.00} error ) XXXX also confirmed that my interest rate would revert to 12.15 %. She advised that I would owe a XXXX minimum payment of {$88.00}. I made a XXXX payment of {$100.00}. I thought everything had been taken care of. I was wrong. The phone calls have started again claiming that I owe some huge past due balance. Help!
I have been contacted by a company Executive Acquisition about a payday loan I had with XXXX. I asked for them to verify the loan and the person I spoke with said at she would send the letter. She also stated that XXXX was a financial institution so she was going to sue me for attempting to defraud a financial institution and they were going to suspend my drivers license. She further added that although portions of her information was incorrect, the judge would not care about that part just the amounts owed mattered. After she sent the verification letter, it had only XXXX debt collector and no trace of XXXX or any of the previous collection attempts. 

I did my due diligence and found that XXXX is not a financial institution, it is classified as a financial service. And that even if they take me to court they can only suspend my drivers license for lack of child support payments and losing a court case involving an accident and not paying on the judgement. 

Needless to say, after educating myself and finding her information not credible, I was not in a big hurry to speak with her again. No after three days, she is adding some evading the payment or some such thing. I will be sending a certified letter to both organizations tomorrow. Apparently EAG is collecting on behalf of XXXX XXXX, XXXX. 

EAG claims to have strict adherence to fair collection laws but I have not found that to be true.
This is the 2nd time I have had Navient do this to me, I did n't bother calling them this time because I basically get told last time " it is what it is, deal with it ''. They have notified me 2 months ago that they were taking over my XXXX student loan bill ( ONE bill around $ 8k with a 5.8 % interest on it. I have just looked at my Navient account this morning ( XX/XX/2017 ) and can see that they have finally shifted my student loan from XXXX to Navient and they have conveniently turned ( again ) my ONE loan at 5.8 % interest into FIVE DIFFERENT loans with 6.5 % interest on each! How is this legal? I got notification that they were going to take over my one loan at 5.8 % interest, never did they tell me they were going to change that one loan to 5 and tack on a 6.5 % interest to each!
As I said, this is the 2nd time they have done this to me. I finally was just able to get it almost down to 2 loans ( there is around {$500.00} left on one that I was hoping to pay off this month ) from 6 different loans with them from the last time they did this. I 'm really distraught at this point and crying for help.
I also now live in the XXXX which makes it terribly difficult ( and even more costly ) to send money as I have to send the money to my parents, pay them an additional {$20.00} to take that money ( their bank charges them ) and pray that nothing happens to them because XXXX forbid they have an accident, pass away, etc. leaving me unable to pay Navient who insist constantly making it more difficult for me to pay my loans.
I am near tears here, is there anyway you guys can help? I am not at all trying to get out of paying my student loans, I know I went to school and am happy to pay the loan back at a reasonable rate, but I feel like I am constantly being kicked down by these guys and their back-handed methods of trying to find more ways to get money out of me.
I really appreciate any help or advice that can be given. Thank you for taking the time to consider my post above and please accept my sincerest apologies for the long winded-rant. I just find this really distressing. I look forward to any sort of advice/help that can be provided.
The amount of the loan was over  XXXX . According to my credit report, the payments were inconsistent over the last year and then the payments stopped. I called the company to file the report of theft and the information they have on their file is accurate.     However, they were claiming that i file a report against the BBB and did other actions. They told me they were going to send me some documents to fill out and send to them to claim the fraud and they never did.
I defaulted on my private student loans. Back in XXXX, when I had obtained a stable job, I set up a payment plan and have been making consistent monthly payment ever since in what they told me was a rehabilitation program. However one day XXXX XXXX XXXX XXXX they stopped taking my payments then called threatening me and telling me to pay the full amount or they 'll garnish my wages. I 've made several attempts to make payment arrangements but they only want me to settle. I would like to settle, but I do n't have access to that large amount of money. They badger me daily. I 'm terrified and tired. Please help. I 'm really trying.
Sw credit systems keep reporting when I let it be known I am in a XXXX XXXX situation and had to flee. 
XXXX XXXX XXXX XXXX is not honoring it either!! 
XXXX XXXX let him fraud my account by getting services turned on there after I left. 
XXXX XXXX is not honoring it either due to the fact it's stuck on my credit report and when I have it removed it goes back on there. 
XXXX, XXXX, XXXX have let her all pu I on here when I disputed on why iiti isjould be gone. No one honor the law