WillisBack/dataset-financial-user-claim huggingface dataset:
my citibank debit bank card ( linked to my checking account at that bank ) was stolen while i was on vacation in XXXX, when i realized my card was missing i went online to check my account, there was {$4800.00} in unauthorized charges debited from my account, the charges were as follows ... at XXXX, 1 transaction the amount of 4,000.00. 2 atm withdrawals 1 for {$300.00} the other for {$280.00} and one more transaction for {$200.00} done at some place called cgn. i immediately called my bank to report the unauthorized charges. next i went to the police station and filed a police report for the stolen card and unauthorized charges. the charges all took place in XXXX XXXX california, but my card was stolen while i was in XXXX which is only 30 miles from the XXXX XXXX XXXX border. the bank because the transactions took place in the united states the XXXX police could only include the actual theft of the card in the report because the card was stolen while i was in XXXX. citibank denied my claim stating their reaso as being that the charges were consistent with my normal banking habits. not true as i had just recently opened the account where i deposited {$5000.00} cash, and paid a phone bill via online billpay. there were no other transactions done by me with this account. in citibanks denial letter they state that they dont use video from atm machines or other places to conduct their investigations. thats like a homicide detective saying they dont use DNA while investigating homicides!. so i appealed that decision. only to be denied again. their reason was the same as before. they also froze my account right after i appealed the first decision.
Recieved a call telling me that I needed to call or there would be charges from this number but told me to contact a different company when I ask what the bill was for the Lady refuses to tell me
I have several complaints against Citibank especially with a XXXX XXXX XXXX a client liaison. He has accused me of being non compliant in paying off an account ending in XXXX. It has been proven that his response unit is incompetent and again has " confirmed '' that they do n't know what they are doing. I have fulfilled paying Citibank the settlement agreed amount owed. Yet again out of the four payments cashed by Citibank two were claimed not received. The XX/XX/XXXX and XX/XX/XXXX payments I paid in addition to the checks I also sent XXXX money orders XXXX for {$20.00} the other {$30.00} respectfully. On XX/XX/2016 I was told since payments were not received the account is in collections for the empteeth time.
I have disputed numerous accounts on my credit reports and they would remove them because they could not be substantiated or the information was wrong. I go back and check it again and they have put them right back on my credit reports. 

One in particular is CASH - one month they state I owe them {$1400.00} - then all the sudden it went to {$140000.00} - I called to dispute and they did remove it but turned around and put it back on their this month!
Recently I received an escrow analysis that showed a shortage in my escrow account. As I reviewed the document, I noticed during the escrow analysis period that GreenTree Mortgage had included XXXX property tax bills. In California, we pay property taxes XXXX times a year. GreenTree accomplished this by changing the escrow analysis period, paying the tax payment early, and including XXXX months in the escrow analysis period instead of XXXX. I compared it to last year 's analysis period and it was definitely done differently. As a result, they increased my monthly mortgage payment by over {$100.00}. I called them and contested the increase due to the reasons I stated above and the unfairness of their actions. I never received a response. So, I called them again and was told over the phone that they denied my request to leave my house payment the same. Then I requested in writing that my escrow be closed and that I assume responsibility for making my own property tax payments. I included in the letter my reasons and my displeasure over their unfair practice. I just received a denial of that request in writing as well because they indicated that " The principal balance of your account is not less than 80 % of the original value of the property. '' Our house was originally valued at {$500000.00} ; however, we bought it for {$450000.00}. We put a large down payment and we now owe {$310000.00} on the home. That is less than 80 % of the original value. More money in my escrow account means more interest collected by the mortgage company.
On Friday, XX/XX/2018, I was awoken by a phone call from XXXX XXXX of National Credit Systems prior to XXXX XXXX. Pacific Time.
I applied for a rental property and, they used Transunion and XXXX to complete a tenant screening. The credit agencies included false criminal information in my record that didn't belong to me. There were multiple cases that weren't mine, the people that were involved shared the same name as me. This type of confusion causes a lot of problems when applying for rental properties and etc.
Factual data has a lot of innacurate information reporting codes for collections that don't even match my information this report is from XXXX XXXX no XXXX XXXX XXXX or XXXX XXXX or a XXXX XXXX judgements that do not even belong to me .they keep altering my identity my name is XXXX XXXX maiden name XXXX.
In XX/XX/2018 my identity was stolen. As soon as I realized what happened, I reported it to Ocwen. I am also XXXX and was wrongfully terminated in XXXX and have not worked since then. I attempted on several occasions to request reasonable payment terms based on the fact that my identity was stolen and that I am XXXX. They also received a formal Charge of Discrimination in my name and my daughters who is a XXXX XXXX survivor. I escalated the issues to the Executive Leadership, Ms. XXXX XXXX, team on more than one occasion. All I asked was for them to waive any late fees and penalties and to provide me with a payment plan. I even reported everything to their security and fraud department because my credit cards ( separate complaint ) had fraudulent charges. I received a letter that I somehow benefited from the fraudulent charges when I have a permanent restraining order and police reports and me and my family have been threatened with bodily harm. I made several verbal Cease and Desist requests verbally and hired an attorney to send a written one. Instead of providing these accommodations, XXXX  XXXX XXXX hired an attorney, XXXX XXXX, to harass me even further. I requested from them to provide reasonable payment terms. They refused and when I told them that their client engaged in predatory and discriminatory behavior, they responded by sending me a loan modification via express mail that had conditions that I could not refuse the package. I have been contacted by Ocwen at least 30 times via email ( online statements ), US mail, certified mail, etc. and by their attorneys at least five times. Ocwen a has reported me as delinquent to the credit reporting agencies and ruined my credit. I am now in not only a situation of severe financial hardship but recently learned that I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
I have a charge off in my credit report. I have paid the balance with XXXX. They told me they would report to the credit Bureas to change the remarks from Charge off as bad debt to pd in full as agreed. Since the payment company has said the sent the info to Experian, But i have called Experian a few times with the response they can not change my report. I have been working hard to pay past debts. Going forward maintaining a good credit history.
I lost my job in XX/XX/2016 there I tried to lower my loan. I then discover that the loan was a simple interest. Because after paying XXXX my amount never went down. The car was repo in XXXX and sold and two this date it is appearing as if I have the car and my payments are late. Please help.
They set up a profile with my incorrect name and email and are refusing to fix the problem so I can get help with repayment options. I 've tried to get my payments reduced due to hardships and they never sent out correspondence paperwork I was needing.
I have an account on my credit report from XXXX XXXX XXXX with XXXX. The account is closed and paid off. When I paid it off I was told the account information would be deleted but it is still there.
I have had an auto loan with BMW financial services for approximately 1.5 years. Recently I have tried to pay my car off by making large online payments. I tried to make a payment larger than {$7500.00} and their system prevents you from making payments in a one month period for more than {$7500.00}. Obviously this is a way for the company to delay you paying off your car, in order, to charge more interest.
I called a representative to discuss this and they said not even a supervisor can lift the {$7500.00} per month payment restriction. I have owned many cars and I have to say I have never heard of such a thing.
Recently to bypass the $ XXXX/month online payment restriction, I mailed in two checks. One for {$1000.00} and one for a much larger amount at the same time on the same day at the same post office. The smaller check for {$1000.00} they cashed. The larger check however they still havent cashed a week later. Again, to delay payoff of my vehicle so they can charge more interest.
I received alert from XXXX XXXX of an inquiry from XXXX, XXXX and XXXX XXXX  dates XX/XX/18. I did not apply for any credit from any of these lenders. I have a car loan from XXXX and did apply for a credit card early last year, but nothing since then. These inquiries are unauthorized. In logging into one of my email accounts I dont use often, I see the declines were sent there & I NEVER use that email because it gets sooo much spam, so Im looking into putting a freeze on my credit file until I figure out whats going on. I had a bag full of old mail sitting around for a couple days that I intended to go shred, but it was thrown out by accident and I am freaking out. 

Please delete these inquiries because I did not submit any recent applications. You can email me at XXXX, or, send your response in writing to XXXX XXXX XXXX XXXX XXXX VA XXXX
To whom it may concern my name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX mailing address : XXXX XXXX XXXX XXXX, LA XXXX SSN XXXX last year i 'd opened Capital One credit card with {$300.00} credit line, i 've have n't got the bill statement in XXXX3 months, then my house got flood in XXXX 2016, a month later they contact me and told me that i was late XXXX my bill, i 'd told them that i 'd never got the bill statement from them, how could i make a payment, they told me just pay over the phone, i said i had to see the paper statement what they charge on the bill is correct or not, finally they sent me the bill statement with the amount more than {$300.00}, after fighting with them about something wrong in the statement, i had to pay them off, and closed my account. 
lately i found out that they report to the credit report bureau that i was late on my payment. That 's absolutely not right, they 'd played game on me, how did i ruins my credit score with just a credit line {$300.00}? i tried to contact them to dispute this issue, they said they did n't know about this. 
i would like you to help me to clear this problem, my house was flood, i am still homeless now, we 've had enough suffer, could n't stand anymore like this Thank you so much XXXX XXXX XXXX
My loans originated on XX/XX/XXXX but was deferred until I completed school. My payments started on XX/XX/XXXX and my balance was {$100000.00}. Since XX/XX/XXXX I have been making {$870.00} payments ( more that the minimum amount ) without missing any monthly payments. On XX/XX/XXXX XXXX XXXX was added in the amount of $ XXXX.I immediately called and opened up a case. I spoke to numerous people over time including managers and supervisors who agree the amount was falsely added and therefore needed to get corrected. Until then, I would still need to make payments and when this is corrected, the appropriate interest I have been overpaying will be applied back to my principle. I continue to call and either I am left on hold for 50-72 minutes where I later hand up or I get someone who doesn't know the situation and will investigate and get back to me. I never hear back. Each month I see huge differences in the amount applied to interest and principle with no consistency or following of any payment application rules. I am at a loss dealing with an organization that has no concept of customer service or responsibility to the people they service.
I requested and received a mortgage payoff statement from Merrill Lynch. The instructions on the payoff letter noted payment could be made by cashier 's check or wire transfer from a bank. My bank ( Bank of America, which owns Merrill Lynch ) allows me to make wire transfers directly, using Bank of America 's website -- I am attaching the online wire transfer form I used, for reference. I transferred the full loan repayment amount to the account indicated in the payoff letter ( a XXXX XXXX account ) before the payment deadline. Merrill Lynch/XXXX XXXX held those funds for 13 days and then reversed the transfer, returning the funds to my bank account. No reason was given as to why the monies were returned. In the interval between their receipt of the loan payoff funds and their returning those funds, Merrill Lynch charged me an additional month 's interest. 
I spoke with a representative of Merrill Lynch 's mortgage division and also with her supervisor ( XXXX XXXX, who is based in the Merrill Lynch 's home branch in New Jersey ) and they could n't explain why my loan payment was reversed except to say that the " wire transfer '' mechanism indicated in the payoff letter was different from the " wire transfer '' mechanism ( so-called by Bank of America ) that I used. Merrill Lynch is part of the Bank of America Corporation. From a consumer perspective, I have no way of distinguishing why XXXX divisions of my own bank would define " wire transfer '' differently -- nor can I understand why I would be expected to distinguish between their evidently disparate uses of this term. Ultimately, I paid off my loan according to the instructions in the payoff letter and now I 'm being charged an additional 6 weeks of interest for no reason.
XXXX XXXX XXXX is reporting two ( 2 ) accounts on my three ( 3 ) credit bureaus, Experian, XXXX, and XXXX. 

I have regularly disputed these accounts over the past year. Over the past 6 months I have aggressively contacted them AND the credit bureaus each month via mail asking that they remove the accounts, since they do not belong to me. They only respond saying the information was " Verified. '' I have asked for actual verification with proof of me opening these accounts - when, where??? Provide me with my signature for this credit. They NEVER have. 

I have also asked them to STOP truncating the account numbers. It is unlawful to provide less than 100 % accurate information on credit reports. By truncating the account numbers, I DON'T EVEN KNOW WHAT THE ACCOUNT NUMBERS ARE. And they are providing inaccurate information. 

According to the Fair Credit Reporting Act, these are violations, unacceptable and unlawful.
Midwest Recovery Systems has placed a debt of {$430.00} on my credit report claiming it comes from a company called XXXX XXXX XXXX which is false and I do not owe this debt. Midwest recovery Systems has never once sent me anything in writing to give me the opportunity to dispute it, but they never did that which is illegal and they went ahead and placed it on my credit report. I filed a complaint on here against XXXX XXXX ( case # XXXX ) and it came back that the Insight could not respond and they believe I am a victim of fraud.. How can Midwest Recovery Systems just place something on my credit report with never verifying the debt. also, there are many complaints against insight capital who tries to fraudulently collect on payday loans, which are illegal in the state of ny, illegal to give in any way shape or form and also illegal to collect on.
Was forced to file Chapter XXXX Bankruptcy in XX/XX/XXXX Chase did not show up at bankruptcy court I am not liable for the debt that Chase is foreclosing on Chase reps have been impossible to deal with I HAVE STRUGGLED TRYING TO SAVE MY HOME FROM FORECLOSURE
I used to have BOA and was transferred to Seterus last year as a foreclosure when I was AHEAD in payment by 2 to 3 months! I have no prepayment penalty - the payments were clearly marked as MORTAGE PAYMENT- and instead transferred as escrow or principal instead making it look like I was not paying payments. I attempted to contact BOA - showed them each and every check cashed by them - and that I was AHEAD in payments- instead XXXX transferred my loan as FORECLOSURE to SETERUS - I was sent a letter to pay a bunch of money to STOP THE FORECLOSURE- I paid that certified mail to XXXX the address on the foreclosure- it was not cashed or noted - so I sent another payment - borrowed more money to pay the same request TWICE just to stop my house from getting in the system. I discovered the first payment was put in someone elses account~ they cashed the second payment and finally did apply it to my account - but still I 'm out DOUBLE the money - and do n't know even were the money went - it seems it was taken out of the wrong account- but should of been refunded to me.I 've asked several times for that money - provided the checks cashed by them ( even the one where they put it into someone elses account ) But I got NOTHING > SETERUS last year sent me a tax question as to how I wanted my property taxes paid. - I always had the check sent to me and PAID the taxes myself thru XXXX - but last year they did n't get paid by Seterus OR the check was n't sent to me! The taxes finally got paid end of XXXX XXXX which screwed me out of tax benefits! This year I received the same questionnaire- put down taxes money sent to ME and I 'd pay them - and promised the money would be sent no later that XXXX XXXX. Well, I called up several times wondering where the check was - was told several times it was PAID in the amount of {$36000.00} on XXXX XXXX so I believe them and go to get a receipt for my taxes paid and it was n't there! They LIED to me! The taxes were NOT paid - a check was n't sent to me to pay them and now I 'm AGAIN XXXX on my taxes this year~ Plus, I already paid XXXX XXXX mortgage payment last month - but yet they sent me another statement to pay again for XXXX. Even that I called and it 'says ' my next payment is XXXX XXXX - I obviously ca n't believe that because it says my taxes are paid as well and ARE NOT! I attempted to call Seterus several times and talked to XXXX XXXX, Virginia in taxes and XXXX XXXX - all I get is transferred to voicemails, put on hold forever and XXXX refused to transfer me to a supervisor and HUNG UP ON ME! Each time I call I have to hear this debt collection speech, get transferred and have to wait for a long time to even get a customer service rep- and never got a supervisor EVER! This company should be examined for FRAUD - my taxes were not paid XXXX XXXX - and I have no check to pay my taxes. I 'm not going thru this every single year and want my loan transferred to a reliable, honest company - I did not choose Seterus and ca n't trust them. I WANT interest and penalty regarding my property taxes which are n't paid as promised they were. BELIEVE ME - I went straight to the TAX ASSESSOR - they are n't paid!
This account is showing inaccurate terms of 1 month. I demand proof of have any 1 month agreement with this company. The FCRA states that all information must be 100 % if its reported to the CRA and this case there's NO proof nor verification that I myself and this company made a 1 month agreement. Please send PROOF/Verification of this being 100 % accurate.
Here 's my experiance : About two weeks ago, I logged on to Experian, put in my sensitive personal information, and was given the choice of spending about {$30.00} to get ALL XXXX credit reports, or spend NOTHING, and just get the Experian report. OR ( and this is what I did ), I could pay a BUCK ( {$1.00} ) and also get my FICO score, which one does not normally get with the free report. 

So that 's what I did. Except, in tiny letters, it says, " Includes 7-day trial membership ... '' It does n't say that there 's a COST associated with it. Just that you 're automatically enrolled. And there 's no way to opt out before paying that {$1.00}. 

But there IS a cost associated with it. It 's {$19.00}. However, I just found out that cost 2 WEEKS after I thought I had gotten my credit report and FICO score from them. It finally showed up on my on-line bank statement a day or two ago. By the way, when I got the " Welcome to the club! '' email from Experian, it still said NOTHING about the cost, or that it was a recurring monthly cost. 

So I called Experian 's customer support. Experian says you can cancel. So I did. We shall see if that " takes. '' I give them a XXXX/XXXX chance. 

They also say that you can be refunded your " prorated amount when you cancel. '' That has turned out to be a lie, since they repeatedly refused to refund me ANYTHING. 

But I never agreed to $ XXXX/MONTH, and there was no " Opt Out '' feature when I thought I was paying {$1.00} for the FICO score XXXX Therefore, I demanded full reimbursement. They refused. 

What I wound up doing is calling my bank, and disputing the charge. Also, contacting Experian 's billing department to demand full reimbursement. 

And I figured YOU guys might be interested, since ( from a XXXX article ) : '' In XXXX 2005, Experian accepted a settlement with the Federal Trade Commission ( FTC ) over charges that Experian had violated a previous settlement with the FTC. The FTC 's allegations concerned customers who signed up for the " free credit report '' at Experian 's Consumerinfo.com site. The FTC alleged that ads for the " free credit report '' did not adequately disclose that Experian would automatically enroll customers in Experian 's {$79.00} credit-monitoring program. " Thank you for your time.
My credit report are inaccurate with account that are over 7 years oldthis impacts me and cause unfair treatment when I haveapplied for credit, all old information over 7 years must bedeleted especially when the when loan are current andoff
TRANSUNION HAD A " SERVER ERROR '' XXXX. TRANSUNION DELETED A TON OF INQUIRIES FROM CONSUMER 'S CREDIT REPORTS THEN PROCEEDED TO PUT THEM BACK ON THE CONSUMER 'S CREDIT REPORTS. TRANSUNION FAILED TO FOLLOW THE LEGAL PROCEDURE TO ACTUALLY DO SO!. I CALLED TRANSUNION @ XXXX AND SPOKE WITH A REP, A SUPERVISOR, AND SPECIAL HANDELING THAT VERIFIED ( ON RECORDING ) THAT I WAS A VICTIM OF THE " INQUIRY ISSUE '', THE CUSTOMER SVC REP WOULD NOT HELP ME AND DID NOT TAKE CARE OF THIS TO DELETE THE INQUIRIES FROM MY CREDIT FILE EVEN AFTER VERIFYING THAT I ( IN FACT ) WAS A VICTIM. THE CUSTOMER SVC REP THEN VERIFIED THE ACCOUNT INQUIRIES LISTED HERE : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. ALL OF WHICH THESE RESULTING IN MULTIPLE INQUIRIES AND DUPLICATE INQUIRIES ON MY TRANSUNION CREDIT FILE.
They leave messages telling me to call in re debt collection. I called them to find out what it was about ( the previous owner of my phone number incurred numerous debts ; I have had calls from collectors before ). They demanded my social security number in order to " reference my account ''. I naturally refused and told them " you called ME, so clearly you already know something about me with which you can look up my so-called account ''. They hung up on me.