WillisBack/dataset-financial-user-claim huggingface dataset:
Consumer complaint for CitiBank : I went into the CitiBank brand on XXXX XXXX. XXXX XXXX, to request a stop payment on three checks, including two official checks, and a money order. All three were outstanding, at this point its been two-months. I did the paperwork, and was told theres a 90-day guarantee refund. As long as the stop payment is issued while the checks are outstanding, which occurred. Three checks have a stop payment, and the person who assisted me only have me options on the form, which was to mark lost/or stolen. After sitting with him for over an hour I felt confident. However, a couple weeks later, I realized he gave me no confirmation, or documents on the stop payments. I went back to the branch, he was busy, and I was brushed off by another banker, giving me only one print out at the time. Stating I could use it as the reference, which was the check number. Also she only gave me one print out, and said it  was good for all three stop payments that were issues. She also said my money back was guaranteed after 90-days. they were cashed shortly afterwards. To my horror surprised, when I checked the status of the checks after leaving the bank, Two of Three checks were cashed after I issued a stop payment. The purpose were due to dispute, checks that were made after the eviction was in process, and a detainer processed. They were not cashed, and for that purpose the person told the judge rent wasnt paid, and we were evicted. Therefore, to cash the checks afterwards is fraud. Im attacking dates, with emails, and documents. 

Stop payment # 1 Official Check Written out to XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, ca XXXX From Business account Check number # XXXX For {$800.00} Date XX/XX/2018 From account ( XXXX XXXX XXXX ) account number # XXXX Rounting number # XXXX Stop payment # 2 Money Order To : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, ca XXXX Check number # XXXX For amount {$480.00} Date XX/XX/2018 ( This one I  believe came From my business account, I do not see it in the checking. Its under {$500.00} so I do not have the details. They helped me, but then couldnt track it again ). 

Stop payment # 3 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, ca XXXX Check number # XXXX The check I received my refund was for {$790.00} from checking account # XXXX
I have secured funds to bring my mortgage current for the mortgage payments that I am behind. 

I am working with the XXXX XXXX XXXX as well. 

I am only behind since XX/XX/XXXX through XX/XX/XXXX. 

That is total of 32 months. The reinstatement letter does not reflect the actual months I owe. 

I can only afford to pay the months owed to get back on track. 

That amount is {$7500.00} I would like a corrected reinstatement and then I can forward to the Servicer.
XXXX is reporting on my Equifax report they say I had a XXXX account I did n't pay this is not true I never have had a account with XXXX they told me it was opened under a XXXX XXXX I have never had the name XXXX XXXX I have never had a XXXX account. I am also going to contact my state attorney
Collector keeps calling requesting action to mail document to my home I have called and asked to stop calling someone else that I do n't talk to and they wo n't stop
I recently received an automated email stating there has been a change to my available credit on my credit card. When I accessed my USAA online account, I found out my available credit had been reduced my just over 80 %. 

I have actively been working to improve my credit and I paid off the entirety of my balance just a few months ago. I have not missed a payment in years. I've had this card over 20 years, possibly 30 years. I've had worse credit. The only time I've had my credit reduced was when I requested to have it reduced years ago. 

I spoke to XXXX, a XXXX XXXX at the company and she read the scripting over and over stating that periodically USAA runs the credit of it's customers and this is their justification. 

During our discussion, she stated they would not increase my credit limit and I could resubmit to have it increased in XXXX months. I shared that was not acceptable. I stated this was a manipulation from USAA to continue to keep my credit artificially low. I shared with XXXX I would file this complaint to you and our state 's attorney general office. 

I paid off over {$14000.00} and carry a zero balance. My credit score has already dropped by over 10 points following this action.
I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact XXXX, XXXX  and Transunion via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number. XXXX  responded back and stated " As a security precaution, and for your protection in order to add or change your phone number on the initial alert appearing on your personal credit report, we need proof of identification. Please provide a copy of a government issued identification card, such as a drivers license, state ID card, etc. displaying your current address, and one copy of a current utility bill, bank or insurance statement. '' I have attached a copy of my ID and bank statement for address verification.
Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX? I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to equifax, XXXX, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, eqifax, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents
XXXX and XXXX are showing a derogatory item on my credit reports that was removed from my credit report in XXXX. Debt Recovery Solutions is now adding this item as a new debt in XXXX. This is a violation of the Fair Credit Reporting Act. 

I am demanding with this account be removed and receipt of punitive damages, as this is hurting my credit score and causing me time to re-dispute items that have already been removed from my credit report.
On XXXX/XXXX/2015, I increased the amount of my automatic monthly mortgage payment by {$100.00} to pay off my mortgage faster. I received an email indicating that my auto debit payment date has been changed ( which I did not change online ) so I called to inquire. I spoke to XXXX. She assured me ( multiple times on a recorded line ) that my payment automatic deduction would occur on the XXXX of every month as it had for the past several months. On XXXX/XXXX/15, Roundpoint deducted my mortgage payment from my bank account. I called and spoke to XXXX ( XXXX ) and he assured me that the money would be returned the same day. XXXX called back moments later asking for my bank account number and routing number which Roundpoint obviously has since they have been deducting my monthly mortgage payments. I was uncomfortable providing this information to XXXX and he refused to process the refund. I asked to speak to his supervisor. After a 45 min wait, XXXX finally got on the line. She could not explain why 1 ) XXXX had asked for my account information given that they have it on file 2 ) Roundpoint had deducted the money without my permission.
Financed A Car in 2011 XXXX XXXX XXXX ... XXXX XXXX ( Buy Here Pay Here ) For XXXX dollars had It almost Paid Off Down to XXXX Dollars ... Car Started Giving Me Multiple Problems Called My Dealership Asking If They Could Have It Fixed Or Put Me In Another Vechicle They Basically Told Me No It Wasent Thier Problem ... I lost Out On Money & Also Had To Find Rides Back & Fourth To Work..Called Them Up To Come & Get The Car & They Wouldnt Take It Back ... Financed From Them Before in Good Standing ... They Also Went out Of Business Shortly After ...
ERC sent a notice to my address on XXXX/XXXX/XXXX in regards to a debt that they are assuming I owed offering me a payment or settlement on the account ... ALSO ON THE LETTER IS SPECIFICALLY STATES UNLESS YOU DISPUTE THE VALIDILITY OF THE DEBT OR ANY PORTION THEREOF WITHIN 30 DAYS AFTER RECIEPT OF THE NOTICE THE DEBT WILL BE ASSUMED TO BE VALID BY US IM confused the letter was mailed on XXXX/XXXX/XXXX received on XXXX/XXXX/XXXX but it was reported on my credit on XXXX/XXXX/XXXX?????? I am in the process of closing on my home and I feel they know this and would be easy way to collect the debt ... ..BUT I KNOW THERE HAS TO BE A LAW THAT STOPS THIS HOW CAN THEY MAIL A LETTER ON XXXX/XXXX/XXXX BUT ADD IT ON MY CREDIT ON XXXX/XXXX/XXXX THIS IS UNFAIR AND I KNOW THE LAW DOES NOT ALLOW THIS AND HOW DO I EVEN KNOW THIS IS MY DEBT I DID NOT GET AYTHING SAYING IT WAS MINE OR PROVED IT TO BE MINE EXCEPT A STATEMENT ASKING ME TO PAY ERC HAS UNFAIR AND FRAUD PRACTICE AND THEY SAY IT WAS OPEN IN XXXX XXXX????? WHEN THEY MAILED A LETTER XXXX/XXXX/XXXX THIS REALLY MAKES NO SENSE AT ALL I have attached my credit report and also the letter ... ... ... ... ... ... ....
I HAVE BEEN PAYING GMAC WHO CHANGED TO OCWEN MORTGAGE. I ORIGINALLY SIGNED UP FOR A XXXX YEAR XXXX MORTGAGE AT XXXX A MONTH AND NOW MY XXXX  YEARS ARE UP. THEY ARE TELLING ME I HAVE TO PAY XXXX BY XXXX XXXX. I HAVE OAID OVER XXXX IN XXXX YEARS AND MY ORIGINAL LOAN AMOUNT WAS AROUND XXXX. I DO BELIEVE I AM A VICTIM OF PREDATORY LENDING AND IN JEOPARDY OF LOOSING MY HOME. PLEASE HELP ME KEEP FROM LOOSING MY HOME AS IT SEEMS I AM ANOTHER VICTIM OF BAD LENDING PRACTICES. PLEASE CALL ME XXXX XXXX XXXX OR CALL MY DAUGHTER XXXX XXXX XXXX.
During the final stages of the home purchase transaction ( under the new XXXX regulations ), I received, reviewed, and signed off on the final closing disclosure documents submitted by the lender. After signing the documents at escrow and waiting for the lender to fund the mortgage loan, I was notified that the lender required additional monies before the mortgage could be funded. I complied under duress ; to avoid homelessness. 
In reviewing this situation and XXXX requirements, identified several missteps on the part of the lender : The lender failed to review or audit documents prior to submission to the consumer. In multiple closings, my agent personally identified errors in the closing disclosures. Errors include splitting apart fee amounts so that they can not be matched to information previously received by the consumer, incorrect entries, and missing entries. Each situation places the burden of disclosure detail accuracy on the consumer, who in all fairness, should not be charged with auditing and identifying issues on bank disclosure documents without the financial details and calculations required for a " clean '' assessment of document accuracy. 
The lender notified me via the title company and did not alert the consumer directly ; the title company representative was placed in the position to notify the consumer of a lender change and that funding would not occur unless additional funds were remitted. My agent followed up directly with both the title company and the lender, neither had a clear explanation as to why the change had occurred. The lender ( the person that interfaces with the public ) said the change was put in by the " processor '', was aware of the change, but had no knowledge as to why the change occurred. 
The XXXX process is an arduous, administrative process that allows lenders to give a show of compliance, but lack the consumer protections which were perceived as the " intent '' of the new requirements. 
The end-to-end XXXX process is not defined. The XXXX documentation suggests that the review timeline is the " end '' of the process and does not clearly account for changes following escrow signing. It would seem that any change, especially a change that is detrimental to the consumer should not be allowed once the final closing documents are completed, reviewed, approved, signed, and executed. The financial institution should take the loss in the event that it fails to deliver complete and accurate documents to the consumer.
In the wake of the most recent lawsuits against the lender XXXX and their unethical dealings with their customers/borrowers, I have realized that I have had a similar experience with my own lender ( Fedloan Servicing ). I was assigned Fedloan Servicing/myfedloan.org as my lender who immediately gave me a higher rate than what I had expected but I made do with these payments. However, Their rate/payments have continued to rise based on the default plan I was given. As a former student working XXXX jobs and making under {$30000.00} a year, their payment prices are much too high and so this last year I requested an IBR ( income-based repayment plan ), not once but twice, instead of again use the forbearance that they continually grant. I have submitted numerous web and paper based documents to no response. Upon calling and emailing on their paperless system, I was only given the answers that either " my packet was lost '' ( though reached the destination based on mail tracking ) or that I " must have buried them in paperwork ''. I was later told that I was denied on the first one I applied for based on them lacking paperwork ( that I had submitted but was lost? ). What I am simply asking for are just answers and information as to my IBR status and my eligibility. I thought it beneficial to ask an outside agency if this is something that should take several months or if I should be worried as to how hard this process has been. 

Thank you very much!
My credit score/report, XXXX/XXXX 2017. delete my AMX data totality. AMX Credit card has been with me for 15 years with a excellent payment record. I called AMX Credit Bureau dept to get it fixed. AMX advised it would be fixed. AMX has done nothing. I wish to lodge a complaint on AMX. I am still with an AMX credit card ... .still with excellent payment record. However, it is no where to be found on my credit report. This should linger on AMX customer service records ( AMX License to do business ) for 7 years, as it would on my report if it was a bad remark.
We paid the account off to XXXX XXXX bank, XXXX, with the correct account number before it was due. Now they are assessing interest, late fees, and reporting to credit agency saying it was late because they did not recognize the account number.
XXXX XXXX XXXX and XXXX XXXX are both currently double reporting on my credit file. This is in clear violation, and needs to be fixed. they can not ding me twice on credit file.
I filed an Federal Trade Commission report and affidavit and police report of being a victim of identity theft, and all bureau 's except for equifax blocked the concerning information. XXXX continues to report on my credit report, although it was not reporting at one point. I do believe my attorney stated once something is removed it is illegal for it to be put back on, well it 's been put back on and I am tired of fighting with this. This is the last fraudulent account reporting and if they do n't remove it I am going to have to sue them because it is keeping me from living my life and moving on from the horrors of being a victim of identity theft. For them to come back and claim they investigated as if I did n't file all the paperwork which makes them by law have to remove the file and block it, is an absolute smack in the face and I am tired of it. Remove it now and MAYBE I wo n't sue for damages because it has kept me from getting a house now and a new car, and kept me from getting a job selling insurance! this is ridiculous to get something done with this bureau, all the other XXXX removed it with no problems.
XXXX & XXXX is reporting an outstanding balance of {$120.00} that I am unaware of. It states that the original creditor is XXXX XXXX but I have no knowledge of a balance due. I have not been given a statement and when requested a validation of debt, was refused one to date.
I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. The following account does not belong to me and should be removed from my credit report immediately. The company has any Signing the agreement or document to show I 'm responsible. 

SENECA MORTGAGE LLC Account # XXXX
I opened a capital one credit card in XXXX of 2018, to this day XX/XX/2018 all 3 of the credit bureaus do not list this account on any report.. I have contacted capital one bank about this they have told me the information was sent to all 3 of the credit bureaus, i.e., XXXX, XXXX, XXXX on XX/XX/2018, as of this Day XX/XX/2018 the credit bureaus say they have nothing?? I went through a chapter XXXX Bankruptcy " Due To Medical Bills '', I have since been Rebuilding my credit, and this missing account that is not appearing on my credit reports is hindering my success at rebuilding my credit reports and my scores.. " All I'm asking is that Capital One Bank report my current account with the Credit Bureau 's '' ..
I currently do not have trouble paying back the loan on the terms provided by my lender. That being said, from a consumer standpoint, I find my provider, Navient, formerly XXXX XXXX, to be so inflexible in the terms of repayment for their credit that it bridges on the unethical. The company provides no options to refinance my loan, to consolidate my loans, to extend the payment period for my loan, or to defer or forbear on my loan ( note, they offer the opportunity to defer the loan for a three month period for a fee of XXXX dollars, which is a palpable absurdity when one considers that a person asking for forbearance is experiencing a financial difficulty ). On XXXX occasion, I called a customer service represented to ask why my loan was so inflexible and they were unable to provide a reason or explanation. This has affected me in the past though I am currently ahead on my loans - and my fear is that this inflexibility is causing extreme financial harm to others like me who have lent from Navient but are not fortunate enough to have the means to make their monthly payments.
I 've spoken with Central Financial Control on several different occasions in regards to the inaccurate item being reported towards my credit. They are causing great stress and an emotional strain on me financially and physically. Not only is this information inaccurate, but it 's in violation of HIPAA. I 've reached out to the original creditor to see why they forwarded this item over to collections when my insurance paid on my behalf, they had no answer. I 've spoken with several reps from CFC ( Central Financial Control ) and to no avail they were no help and very rude. I am giving this company 30-days to remove this inaccurate item and update all three credit bureaus, if not I will be forced to proceed with legal action against this complaint.
I had A burglary at my home resulting in the loss of personal items including birth certificates, social security cards, check books, and money. I recently learned of a check that was written off of the book of checks that were stolen. I contacted the collection agency and told them that I didn't write this check. They have been provided both an FTC affidavit and a police report. Yet they still refuse to remove this fraudulent account from my credit bureau report.
I received foreclosure papers from a law firm with a breakdown of monies they are saying I owe. I have repeatedly requested a breakdown of how payments were made and who the payments were made to because there are monies that I paid that are not applied anywhere. Proof of this a {$540.00} credit they list as unapplied funds. I have no idea where these funds were to be applied, was this a payment not applied to my loan adding to the deliquency? I have repeatedly requested original statements which I never received.I have requested to see the original mortgage note I signed because I do not believe that is the note I signed. I have received no response as to my requests I have not received any of the information I am entitled to yet they want to take my house. This has been going on for 6 years and is still not settled all they do is keep transfering the mortgage from one company to another and I have to start all over again with my requests. This is typical XXXX behaviour along with the foreclosure mill attorney who continually breaks the law with these foreclosures bullying people.
Hello, I need some one to send me a letter as well as XXXX, and XXXX to help me with a dispute. I need the letter to say that I have no Current open accounts or late payments due because my account is in forbearance. They keep reporting that I ave open accounts and I don't at the moment. pleas help me!!!
To Whom It May Concern : I had an account with One Main. Our agreement upon receiving my last payment, my account with be closed. It was also agreed upon paid in full, it would not affect my credit report/score, however it is. It is currently showing as a : Charge Off. 

Respectfully, XXXX XXXX
I have a second mortgage on my home with Specialized Loan Servicing , LLC. I pay my {$440.00} mortgage on time every month. For the last eight months I have been sending in a seperate payment of {$500.00} that I have clearly marked " Additional Payment for Principal Only ''. They have only applied XXXX of these payments to my principal. I have called three times and submitted a previous complaint. They said they corrected it and that they would send me a listing of all of my payments. They sent the list of payment but it also showed that they have only applied XXXX of these payments to principal. The other principal only payments they are holding in an " unapplied account '' or they apply it to the next regular payment. They are holding my money. Not applying it as I asked and lying to me about it when I call. I believe they are fradulently doing this to extend the loan that I am trying to pay off early.
today, XX/XX/XXXX I tried to call TransUnion because we noticed charges every month on our statements while doing our taxes. I called to find out what this was from. Apparently I signed up back in XX/XX/XXXX. I know for a fact I never agreed to any of these services as I would never pay for that. Also, they advertised their services as free or for {$1.00} I cant remember which. I just remember seeing something costing {$1.00} in the past. They also noted that I have never signed into the account or used the services, clearly proving i had no knowledge of the account. I asked for a refund and was told they do not do that by a very rude customer service rep who would not let me speak. I would like to get my money back for a service I did not agree to paying for.
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 311 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possibile. Thank you