WillisBack/dataset-financial-user-claim huggingface dataset:
Citibank has been callingfor almost XXXX weeks..at firsti thought it could have been a wrong numnber.When i would pick up then the phone would hangup.I get the calls first thing inthe mornings, during the day and pplthe evenings. I contacted a XXXX number and told the person what was happening and they said i should not get any more calls and i just received another from XXXX the same number. 
I have toneved had anaccount with Citibank and when it call it never asks to speak to someone. The number that is calling me is XXXX.
My last name is misspelled. It is listed on Equifax as " XXXX ''. That is incorrect. My last name is spelled " XXXX ''.
I have mixed files on my credit report 1 ) Bankruptcy 2 ) XXXX XXXX XXXX ) Legal Team
Last year my loan was sold from XXXX to UHEAA, but XXXX was still servicing the loan. This was a change that I was notified of via a letter to my home address and a message when I logged onto the XXXX system. 

When I logged in today to make a payment the XXXX website would not give me any information on my loan and just said that I needed to go to the UHEAA website. I went to the website and followed the instructions to set up an account with UHEAA which the website indicated would allow me to make payments, set up automatic payments, etc.. I then called UHEAA in order to get more information on why I was not notified of this change and inquire how I would be able to make a payment in the future. They were not able to provide any information except the PO Box to mail the check to in XXXX. Apparently no one would access my loan information to tell me what payment is due, when the due date will be, or the outstanding balance. They just told me I would not be liable for a XX/XX/XXXX payment on the loan that they were " waiving '', but I do n't feel that 's truthful because when I inquired I was still going to be charged interest and be liable for this payment that would then be in XX/XX/XXXX, they just were changing the due date. Just to be clear- I had NO prior information that this change was going to occur. I check my student loan religiously and would have seen any notification on their website that they posted. 

I feel very fortunate that I have a job that has allowed me to prioritize repaying my loans. I only have XXXX dollars to go. I told UHEAA I was very upset by this change without being notified, so I just wished to get my payoff information so I could send a check for my final payment. That 's when it got even worse- No one can tell me what my final payoff information is. XXXX no longer has the information, but UHEAA has n't processed it yet so all they know is my demographic information and nothing actually about my loans. They told me to " guess '' what the payment would be and if it was close they would adjust it if I did n't pay enough or refund me if I paid too much. They told me to pull an old statement, but of course XXXX has foolishly talked me into doing everything online so I do n't even have a statement at home I can refer to! 

My complaints are this : 1. How can a loan be switched between companies to service them with NO information given to the customer. 
2. How can when this change occur the customer not be able to get ANY information on their loan from either company? 

To me this seems like what has occurred is questionable legally. 

Again, I feel fortunate that my student loan balance is no longer excessive and the impact on me with any accrued interest or potential fees would be minimal, but I feel this practice needs to be scrutinized. 

Thank you, XXXX XXXX
I have some account on my credit file that are not my and I have tried to fix the situation back in XXXX as when I first witness it. Accounts such as XXXX  XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX. I would like this item remove off of XXXX XXXX and Equifax.
Rushmore responded to the prior CFPB Case Number XXXX incorrectly. We have a Forebearance which goes through XX/XX/2019, per the letter and agreement which was sent to them several times by XXXX XXXX XXXXXXXX which transferred the loan to Rushmore. They have ruthless tactics and do not respond appropriately. 

Also, I have attempted to call the assigned contact - XXXX XXXX - at least 3 times and have received no follow-up or contact regarding potential questions I have regarding our current Forebearance which goes through XX/XX/2019 nor did she respond to my voicemails. This is unacceptable customer service and needs to be escalated beyond their Customer Service Department without any retailiation toward the client for raising our concerns on the overt disregard for U.S. Veterans.
Please be advised that i am disputing this collection due to the fact that credit collection services XXXX XXXX XXXX XXXX, MA XXXX Does not have a current license is missouri to collect on debts. This information is stating that their license is forfeited according to the secretary of state missouri. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that Credit Collection services are licensed to collect in missouri. Your response is greatly appreciated.
I have a Health Savings Account with TD Bank. I was notified in early XXXX that they would begin extracting fees from my account by XXXX XXXX. So I paid qualified medical expenses to bring the account balance down to {$0.00}. I called to close the account but I was told because it was a HSA, I had to go into a physical branch location to close the account. So I went to the TD Bank branch at XXXX XXXX XXXX, XXXX NY on XXXX/XXXX/2015. I met with a bank representative to close the account, she took my HSA debit card, and my online account with the bank became inactive. The following month, I receive a statement from TD bank showing the account with a XXXX cent balance from interest earned and the account not actually closed. So, I went back to the same branch location on XXXX/XXXX/2015 to make a second attempt to close the account. The bank representative withdrew the XXXX cent balance, gave me the penny and said that the account was now closed and I should receive a final statement at the end of the month. 
I am still receiving statements as if the account is still open. TD bank will not close the account even though I have brought the balance down to {$0.00} on XXXX occasions and have gone into the bank XXXX to close the account. I do n't know what else to do.
Last week ( week ending XX/XX/18 ) I applied with CitiBank for a " Double Cash '' card. I got told the response would come in the mail. 3 days later I received TWO letters of decline with two different case numbers on them. I then called the number on the form to inquire, as I have a good credit rating and was told I was approved, not declined. I asked them to remove one of the requests to decrease the credit pulls, they said no. 

Then I was asked if I was satisfied with the credit limit ( it was VERY low, starter card low ) and I said I was not. They said to call when the card arrived. 

I called when the card arrived and was told to call back this morning. I called back this morning and was informed that my account was closed at my request. I told them this was not the case and they told me I had to reapply. 

This card is DESTROYING my credit without my request or permission. There has to be something I can do, please help. 

My calls were all made on a recorded line, I have these recordings if it helps.
XXXX, XXXX is a debt collector that is attempting to collect a debt that is not mine. XXXX, XXXX has purchased the debt from another debt collector DIVERSIFIED CONSULTANTS , INC . I have never given any information to or signed any contracts with XXXX, XXXX XXXX, XXXX inquiries into my credit file has had a negative effect on all XXXX credit scores and has prevented my ability to apply for a line of credit.
Kohn Law Firm SC Attorneys at Law is not giving all the information I need for a Case between XXXX XXXX XXXX XXXX XXXX XXXX vs. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the law firm client. I'm XXXXXXXX XXXX XXXXXXXX 's mother, XXXX XXXX. I understand they had court in XXXX for her. She was paying the loan and stopped in XXXX of XXXX. They are trying to garnish my check without giving me any proper information about the borrower and loan. I want to see the original papers so I can know more about the loan. XXXX, phone number, XXXX, ext. XXXX is the rep. I've been in contact with and I can't explain anything to him. He is so rude. I believe if you are going to garnish someone's paycheck they should know more a bout the company, which is not a regular loan creditor. They are a trust place and more like a depositor. I told them I'm really not able to pay my daughter 's loan. I am the cosigner. My daughter has two jobs and is working on her XXXX XXXX degree. She just received XXXX and should have payed her dept I'm not sure if this place is legitimate or not that's why I didn't provide them with any of my financial papers. 

Case # XXXX File # XXXX
I consolidated all of my student loans with the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX services my new loan. They are still reporting a previous default loan that is over 7 years old. The credit bureau can not remove it, and XXXX sent me a letter accusing me of fraud when I disputed the age of the negative mark on my report. The information is a duplicate as of now, because I have a new loan not in default because of consolidation and the information they are reporting on my previous default is from 11 years ago and per the statute of limitations on student loan reporting once the loan is sold the delinquent information can only remain on my report for 7-10 years.
My eight years account with Bank of America was subjected to a monthly maintenance fees of {$12.00} per month since last year XXXX XXXX without any prior NOTICE/INFORMATION or explanation from the bank. When I called the bank for explanation and refund i was told by XXXX of the bank official that I have to maintain a direct deposit of at least {$250.00} or a minimum balance of certain amount. I informed the bank that even during this period of review XXXX XXXX XXXX, XXXX there were instances of irregularity, that is situations where I had a single direct deposit of over {$250.00} into the account and my account was still subjected to this illegal {$12.00} service fees. 
The bank will not refund my money when I asked for a refund despite the fact that I was not informed of any changes or the existence of such fees since my banking with the bank for the past 8years.
Hello. 
Last XX/XX/XXXX I sent {$500.00} dollars trough XXXX, the authorized electronic money transfer option Chase Bank added to the Chase App. 
After I sent it I spoke to the receiver. Someone I Know. She said that her telephone number did change so I immediately changed it on my bank 's XXXX contact app and called the bank to explain the situation since the transaction wasn't final. 
The Chase bank customer representative told me that it would be better if I wait and if the money didn't ends at my friends account they will submit a claim. 
For my surprise it didn't happen. 
I contacted the bank to request a refund. They answered they just can't because it is customer 's responsibility to check on the accuracy of the recipients. 
So then, what banks accounts and fraud protection mechanisms are for? 
They leave us, customers, helpless and with the feeling that this is a scam backed up by the banks. 
I truly hope that any government institution protect us against that greedy and fraudulent use of our money. 
Thanks
XXXX with XXXX and IRS. Received paperwork and was told to send to each credit reporting bureaus to have deleted from records which I did on XX/XX/XXXX. Received updated copies of credit reports from everyone except equifax. Received a letter from equifax with information on IRS still on letter and contacted them by phone. Was told I did n't ask for an updated copy of report and had to contact superior court in XXXX to get erased. The agent and supervisor were very rude and when sent me a copy of report, did not update information. I contacted superior court and was told normally the credit reporting agencies contact them directly for information but would send me the information at a charge. I got copies and sent to each credit reporting companies so everyone would same information on XX/XX/XXXX. Did not have a problem with the others but just wanted to make sure nothing came back.
XXXX XXXX and XXXX XXXX, consumers, received correspondence from CARRINGTON MORTGAGE SERVICES LLC, debt collector of an attempt to collect a debt. The consumers disputed the debt and demanded verification and validation of the alleged debt. The debt collector has refused to provide verification and validation of the alleged debt, stating the debt collector does not recognize the signature of the consumer on the dispute. The debt collector continues to collect on the alleged debt.
I have been contacted multiple times by a collection agency that goes by RS CLARK & ASSOCIATES. They are trying to collect on a medical debt that is a result of identity theft. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens.
I received a paydayloan from XXXX XXXX in XXXX in XXXX. I then relocated to XXXX XXXX. I somehow found out or remembered the loan, therefore, I went to the lender and paid it off with cash. A few years later I needed a new paydayloan in XXXX XXXX. I was turned down due to the paydayloan from XXXX XXXX, I know this because teller gave me a number for the Indiana data base and they discussed the matter with me. I was very appalled, the told me to reach out to XXXX XXXX. When I spoke with the teller she said she would investigate and call me back. She never did. I called back a few weeks later and the same missed opportunity to assist me occured. I let it go ... .until I needed a payday loan again. Plz help XXXX XXXX no longer has an institution that receives incoming phone calls. Even the place that I made my payment is no longer physically active.
On  XXXX   XXXX ,    2017 I w as hit by a drunk driver and the damage of this accident resulted in my car being totaled out ap prox  X/XX/2017  b  y  my insurance comp any. Avid Acceptance has reported me as late on payments ( have only one late payment history with t hem up to this point ) all the way fro m  XX/XX/XXXX  throu gh to   XX/XX/XXXX   even though they where well away of the accident and the fact that the insurance company is waiting on them, they continue to delay on providing a letter of guarantee to my insurance company. There has been no contact with me despite my attempts but continue to report me as late on my payments. I have disputed and the results come back stating they are right in their reporting. I do n't understand how they are right in their reporting and how the reporting can be considered accurate.
I contacted Equifax in XXXX of 2016 to request that the " any open disputes and all corresponding dispute remarks be removed from my credit file as I am no longer disputing any accounts on my report ''. I was told over the phone that all dispute remarks and disputes were removed as I waited on the phone. 

I then called today XXXX and spoke with Equifax again as I have been told by my banker that the disputes and dispute remarks are still showing up on my credit report.. I was told this morning by Equifax that their computers were down and to call back. 

I opened the disputes. I want all disputes closed and all dispute remarks removed from my credit file. 

This is hindering my ability to refinance my home! 

Close All Open Disputes and remove all Dispute Remarks from all accounts in my credit file and send me an updated credit report showing such changes were made.
Bank of America XXXX BOA XXXX continues to defy the CFPB and other governmental agencies including legislation. 
This is my XXXX separate complaint against BOA, apparently your office is simply a 'Horse and Pony '' show. This time BOA has found a way to manipulate legislation by charging {$65.00} for a returned check they do so by breaking it down into XXXX separate charges XXXX. {$40.00} for " Payment returned unpaid '' XXXX. " returned check fee '' I thought REALLY i mean are you kidding me ...! I had to break down laughing for the boldness and obvious lack of respect towards all governmental agencies. Let me give you a bit of insight on how all banks respond to the CFPB 's investigations. 
the CFPB contacts the bank ( let say BOA ), a representative from BOA emails or calls me apologizing but offers NO solution. I am always stuck filing lawsuits and dealing with this alone. By the way, I have n't lost a lawsuit yet against any financial institution or credit bureau ( XXXX ). However, it is time consuming and invasive. 
So you guys can continue to be ineffective or dig down and do what XXXX XXXX Americans continue to hope for. 
Additionally, although I have filed disputes with the credit bureaus and BOA, BOA continue to deliberately violate Fed. Law XXXX FCRA ) by confirming accuracy of debt DURING the dispute process. ( In other words, they do n't give a XXXX about policy ) In the meantime, XXXX XXXX we launched last year intending to educate voters and expose political XXXX focused in MICHIGAN. However with over XXXX XXXX registered voters in our data base we decided to go national ( website is currently under construction so we can handle the heavier traffic ). But to see our effectiveness you only need to research what happened to XXXX XXXX XXXX XXXX and guess who was responsible to exposing that XXXX! 
XXXX
I have several monitoring companies alerting me to my credit report .I have duplicate accounts on my reports as well as someone from XXXX going into my account when I have called about the accuracy of the late reporting on my accounts and changing information that has been reported incorrectly for the past several years below is an alert I received from a company monitoring my information this statement is listed several times through out my report, If the information was accurate why would someone have to go and change the information two years later. 
Confirm Negative Change in Payment History As of XX/XX/XXXX, there was a negative change in your payment history related to your XXXX Student Loan. The period for your XX/XX/XXXX past due payment has increased. We recommend reviewing your payment history carefully Also after searching the the National Student loan  data base, it does not state my loans were ever late states they were in forbearance but yet the information wasn't correctly reported in which caused an adverse reaction into the simplest living a normal every day life, the stress and undo hardships I had to face with inaccurate information reported on my credit reports for years.
the following is a copy of the summary letter submitted to the collection agency : XX/XX/2018 VIA CERTIFIED MAILING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Creditor : XXXX XXXX of XXXX/XXXX Hospital Disputed amount owed {$260.00} Patient : XXXX XXXX XXXX To Whom It May Concern : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. This debt was paid directly to XXXX XXXX of XXXX on XX/XX/2018. 

Please allow this to also service as notice that have filed a complaint with the Federal Trade Commission/Consumer Financial Protection Bureau ( CFPB ) due to unethical and potentially fraudulent business practices by XXXX XXXX and XXXX XXXX XXXX/Hollis Cobb. Based on activities by both entities, it appears they are attempting to collect twice on the same account. Please refer to the following summary of events : XXXXreceived final notice from XXXX XXXX of XXXX. The notice was dated XX/XX/2018 and indicated Due DateUpon Receipt. 

XX/XX/2018payment made directly to XXXX XXXX of XXXX for {$260.00}. Confirmation number for payment : XXXX XX/XX/2018received call from XXXX XXXX XXXX regarding the alleged debt. I explained to the representative that this was not a valid debt. I provided the payment confirmation number but the representative stated it was not a valid payment since I did not pay them directly. 

XXXXspoke with XXXX from XXXX XXXX of XXXX. She advised that she would send request to have account pulled from XXXX XXXX XXXX. 

XX/XX/2018XXXX from XXXX XXXX of XXXX advised that my account would update automatically and this would resolve the issue with XXXX XXXX XXXX XX/XX/2018received missed call from XXXX XXXX XXXX. Returned the call to them. At that time, explained again that I paid the original creditor. The representative was aggressive during the call requesting payment. At that time, I explained that under FCRA they are to provide written notice to me and allow me the opportunity to dispute the validity of the debt. I also requested that per the FCRA, no other calls be made to me from XXXX XXXX XXXX XXXXreceived notice from XXXX XXXX XXXX. The letter is dated XX/XX/2018 but not received for over 2-weeks. XXXX XXXX XXXX initial contact with me was on XX/XX/2018. I believe this is an unethical delay in complying with my rights under the FCRA guidelines. 

XX/XX/2018 -- XXXX XXXX XXXX still shows this amount due which is incorrect and XXXX XXXX of XXXX Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
I do n't understand how I can be submitting multiple pages of proof to the credit bureaus proving that these accounts are inaccurate and must be removed and yet, TD Auto did not remove these accounts! Congress clearly states in XXXX XXXX XXXX XXXX that the burden of proof is on the creditors and the credito bureaus and NOT me so how come nothing isbeing done to assist me? What other proof is required of me to show that these items are not reporting per federal law? I 'm attaching the lawsuit that clearly spells this out as well as my credit report and my actual disputes. I do n't understand who allows them to do this ( governement, etc. ) but this is a complete violation of my rights under the FCRA! 

TD Auto XXXX Status makes no sense, delete this immediately : XXXX and XXXX : closed/XXXX : open All 3 bureaus should be reporting the same information. What also doesnt make sense is that XXXX and XXXX report a monthly payment of {$0.00} while XXXX reports {$1000.00}! 

TD Auto XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : XXXX $ XXXX $ XXXX {$19000.00} TD Auto XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : XXXX $ XXXX $ XXXX {$68000.00} XXXX due : XXXX and XXXX $ XXXX {$0.00}