WillisBack/dataset-financial-user-claim huggingface dataset:
i had a credit card issued from Citibank and was a cardmember for more than 25 years with good credit and payment history. Around early XXXX I had trouble making my payments and tried to work with them. On XXXX XXXX, XXXX, Citibank put me into a program that had me make smaller payments and sent me an agreement that said if I made all of the payments they will re-open my account in 12 months. Right around the XXXX month, I made my regular payment and expected to have the account re-opened. Citibank then said that in order to do that, I would need to make a regular payment for the balance that would be around {$600.00}. I told them that they never told me that when I agreed to the agreement they sent me on XXXX XXXX, XXXX. They told me that " The system, that makes all of these decisions is the one who decided that, in order to re-open my account, I would need to pay that amount. I did pay, even though it was very difficult and then about two weeks later in early XXXX XXXX, they told me that they were not opening my account and the full amount would be due at a rate of 30 %. I told them that they promised me that they would work with me and understood at the time the economy was terrible, but ended up putting me in collections. When I tried to stay out of collections, during a call to XXXX of their collection agents, I let them know I could afford a {$200.00} payment and they laughed and said " why bother ''. 

My Debt has been sold to many debt collectors, and the latest sent me today a so called validation of my debt which also included someone else 's debt information which I believe is illegal. 
I think Citibank has violated the terms of the agreement it entered with me. I believe that they misled me in this program that was going to help me defer payments due to financial hardship. I do know that last year around this time you were successful in getting them to correct this predatory and deceptive marketing.
Hi, There is incorrect family relationship information being reported both privately ( including to my Bank, XXXX XXXX - and publicly ), that is associating my identify to that of my ex-husband. We divorced in XX/XX/XXXX. The information being randomly selected by XXXX XXXX, to verify my identify has to do with my ex-husband and his extended family. This has been an ongoing problem that I am unable to resolve or get additional information as to how this is association is being made / by who. XXXX XXXX insists that they are unaware of how the association is being made, therefor they can not disclose or report back in order to have the information updated, even by me directly. I have tried in the past, to no avail, to directly contact individual credit reporting agencies to see if the linkage is being made through the individual agencies, but have been unsuccessful. I have looked through credit reports and called to core companies of which we may still have an association and no luck there either. 

I need assistance in remedying and not sure who is in the proper position to help. 

Thanks so much in advance.
I have been trying to get info on the PMI Ins on my loan with Dovenmuehle Morgage co, in XXXX XXXX, IL, Acct # XXXX, and they are either unwilling or unable to help. I have been paying 6 yrs on this loan, 5 of them with this company. I want to know what my loan balance needs to be to have it taken off and no one seems to know or know who in their company can tell me. This company has very poor customer service and are seldom, if ever, of much help. Seems to me that they make money off our loans, so should be there to help us when we need it. Who can I turn to, other than Dovenmuehle, for help about this matter? What other organizations oversee the Mortgage Industry? Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( property address : XXXX XXXX XXXX XXXX XXXX, TX XXXX ) XXXX
Hello, I am a victim of a large fraud of stolen checks deposited into the wrong account. So this is forged check fraud. In many examples, the checks were clearly made out to my company and then deposited into an account with a different name. I have copies of the fronts and backs of a number of checks to prove this. Also, Wells Fargo bankers have been able to check on-line and confirm the forged checks were deposited into the wrong account. 

Both my business checking account and the account where the forged checks were cashed belong to Wells Fargo. Working through my local bank manager, this issue has been raised to the highest levels of Wells Fargo. Although they see the fraudulent activity, they refuse to report it and refuse to take any action. 

I do have an open case with the XXXX CA police department. The case number is XXXX. Wells Fargo refuses to cooperate with the detective. 

My contact at Wells Fargo is : XXXX XXXX. 
Her phone number is XXXX. 
Her email is : XXXXXXXXXXXX I would appreciate any help you can provide in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
La XXXX, CA XXXX XXXXXXXXXXXX XXXX
Just over three years ago, I purchased a used XXXX XXXX XXXX from XXXX XXXX located in XXXX, AR, which turned out to be over 23,000.00 dollars. The finance officer, at the dealership, completely forged the loan agreement. I told the individual that I had been on XXXX since XX/XX/XXXX and had only {$1300.00} per month, and that I had a home mortgage of {$560.00} dollars. He told me I was getting the best financing available and I would not have to worry about making the payments. It was then he began his bait and switch. Without showing or telling me what the APR, monthly payment, he stepped out of his office, as I waited ; he " flew '' back in and said, " I have an awesome deal for you! '' He hid the top half of the contract with a piece of paper and told me that I would get a {$2600.00} dollar 10-year bumper-to-bumper warranty, a PTFE resin coating for the exterior paint, and XXXX for the interior. He said that it would all be free, provided I signed that agreement. My head was " spinning '' and he sent me out the door with the keys of the vehicle in my hand and the paperwork - or so I thought. When I arrived home, I looked into the packet with the paperwork and the only documentation that was inside was information on XXXX. I called the finance officer, at XXXX XXXX, the next day and asked him where the documentation was and how much I was being charged per month. He told me that he did not know and I should contact XXXX XXXX. XXXX XXXX sent me the contract within a few days. I contacted the finance officer at XXXX XXXX and asked him, " Why did you lie to me and why did you do this egregious act? '' He told me, " Hey, that's business. '' I told him that I was going to park the car on his lot and leave the keys there and he replied, " Do what you want, it's your car now. '' I could not afford the {$450.00} dollars per month to keep the vehicle and survive at the same time. The vehicle was repossessed in XX/XX/XXXX and XXXX XXXX accuses me of a deficiency of over {$8000.00} dollars. Now, I am not an attorney and do not know the laws here in Arkansas so I tried to work with XXXX XXXX. To no avail, XXXX XXXX  is suing me for deficiency of payment. XXXX XXXX  has hired attorneys in XXXX, AR. They have tried to garnish my XXXX money and now are trying to put a lien on my home. 

How could one explain that an honest bank would actually approve a loan of over {$23000.00} dollars when an individual lives below the poverty level and only collects just over {$16000.00} per year on XXXX? Both XXXX XXXX and XXXX XXXX colluded together as they knew I could not make the payments with this predatory loan.
I was reported 30 days late but I made my payment on time.   XXXX   XXXX   #  XXXX
I have opened an Identity theft case with the Federal Trade Commission Case FTC - XXXX. I also have a police report ( XXXX Police department XXXX ). The police report contains all of the details of all the fraud, identity theft and harm that has been caused to me. I have been struggling to clear the damages with friction from Experian. I was guided by the Federal Trade Commission to open a new case with the CFPB to resolve this matter. 

I had written the Collection Agency XXXX XXXX for an allege debt for XXXX XXXX account XXXX ... USPS Tracking XXXX on XXXX XXXX, 2015 requesting validation for this allege account and received no response from the collection agency. 

I have brought the fraud and the lack of validation to Experian XXXX times, ( USPS Tracking XXXX received XXXX/XXXX/15 ), ( USPS Tracking XXXX received XXXX/XXXX/15 ) as well as ( XXXX XXXX received XX/XX/2015 ) on the fraud and lack of validation by the collection agency and requesting to delete this account from my credit file. 

Experian repetitively delay the process by doing an investigation and responded on report number XXXX with a simple response UPDATED and no additional information, After re-escalation, on XXXX XXXX, 2015 Experian responded on report number XXXX with " unless you send us additional relevant information to support your claim, we will not reinvestigation this information again ''. Fraud or lack of validation within the require 30 days should not be reported on my credit file. If a collection agency does not validate an allege debt within the 30 days time frame, the account needs to be deleted from the credit file, or if the account is caused base on fraud it should not be reported on my credit file. Failure to correct the reporting of this account is a direct violation of the FCRA. 




Attached : copy of the debt validation letterletters to experianExperian reporttracking informationFTC casePolice Case
On XX/XX/2018 I paid the total amount that was due on my credit card as of that XX/XX/XXXX date. XXXX has a bar that runs at the top that shows you how much you end up paying off based on payment amount. I paid off the entire credit card, $ {$920.00}. After I made the payment, Citibank showed my balance as {$0.00} on XX/XX/2018. I logged in twice that day and that was the balance on my account. Today, on XX/XX/2018 I logged in and saw that my running balance is {$160.00}. In fact, on my " Transactions- Activity Since Last Statement, '' my account shows that I had a running balance of {$160.00} on XX/XX/2018. This is confusing and misleading. 

If I actually owed {$160.00} on XX/XX/2018 that should have appeared on my screen yesterday. This is the 2nd time I have noticed Citibank 's website provide a discrepancy in what I owe and what my balance is. This is incredibly frustrating as I am not sure which balance to believe, and feel like no matter me wiping out the total balance, somehow I still owe something that was due on the same day as my payment. 

I took screen shots this morning to explain this issue. 

I called Citibank this morning to resolve this issue. I spoke with XXXX ( XXXX ) a phone banker in the XXXX, and she said that the {$160.00} are payments that did not post to my account until this morning. I told her it is deceptive and unfair to not provide accurate and real information about a customer 's account. Furthermore, ( even though I strongly disagree that I owe that full amount ), why is Citibank 's website showing that I had a running balance of {$160.00} on XX/XX/XXXX today but yesterday it showed that I had a balance of {$0.00} at XXXX different points when I logged in? I don't want to feel like I am never fully paying off this credit card. XXXX kept explaining that it may be a matter of a charge that just came on my account that was pending. That still doesn't explain why my statement shows I had a running balance yesterday after I made a payment. I asked to be connected to an escalation team or someone who handles disputes. She only offered to transfer me to her supervisor of technical support. That does not provide me with an appropriate avenue to address my concerns!
I recently decided to sign up for a credit monitoring service so I could check and monitor my credit. My family is looking to purchase a new home in the near future. Upon doing this I noticed some collections that are of big concern to me and I feel are in violation of my rights. ProCollect is stating that I owe them {$270.00} three times on my credit report from a company called XXXX XXXX XXXX XXXX. The account numbers are Procollect # XXXX, XXXX & XXXX. In addition, all XXXX dates reported are for XXXX 2015. I have never visited this company in order to get XXXX bills for the exact same amounts. I have written ProCollect starting XX/XX/XXXX and they have not validated that I have XXXX medical debts for the exact same amounts with the same company. I can not get anyone from Physicians Emergency care when I tried calling to verify I have XXXX bills owed for the same amounts. Since ProCollect has not verified the accounts after 2 attempts by mail. My belief then is that they are in violation of the Fair Debt Collections Practices Act and the Texas Finance Code for placing multiple collections on my bureau for the same thing. Due to this it is my belief that they should be removed ASAP from my account.
I have disputed individual items on my credit report before, however, this complaint is specifically regarding the re-aging of accounts. Experian has re-aged accounts on my credit report that should have aged off of and of of reporting on my credit report. I would like for Experianto scrub my credit report and remove any aged out accounts being reported, as well as removing any accounts that were improperly re-aged which should have no longer been reportable.
XXXX/XXXX/XXXX I ordered a copy of my XXXX credit reports. I saw that so many items regarding my XXXX Mortgage were incorrect and not updated for 6 years!!!. I sent what all the errors to be corrected were to my " Mortgage Servicer " and they told me to send my corrections to my loan " Owner '' My Servicer is PHH Mortgage Service Center and my loan Owner is XXXX. XXXX told me that all that should be taken care of by The Servicer ( PHH Mortgage ) ; I am being sent in circles. 
Who is responsible for updating any information regarding my loan : PHH or XXXX?? 
Note : My Mortgage was granted a loan modification in XXXX of XXXX I can not get an answer and in the mean time my credit takes a hit because a lot is not in my favor but still incorrect. I see this as simple creditor neglect.
My credit report has been mixed up with my XXXX and no matter how many times I call to get it fixed or send in a dispute, they havent been able to fix it. Both XXXX and transunion havent been able to do anything. Transunion theres still has inquiries that aren't mine, and a reported closed account, not mine either. XXXX has a account thats not mine on their report and another closed account.
I contacted Equifax to inform them of errors and inaccurate information on my report. The first contact was XX/XX/2018 with no resolve. The second contact was XX/XX/2018 at which time they resolved some items but not all. The following issues remain on my report still : XXXX  acct # XXXX need to be removed, not mine. XXXX/ XXXX XXXX acct # XXXX. Employer is XXXX   XXXX AND XXXX XXXX and previously XXXX XXXX. I was a victim of identity theft and I want my information reported correctly because these issues are affecting my goals in business ventures. I will pursue this issue until I receive accurate report.
CONTRACT CALLERS INC. HAS BEEN OPERATING IN ILLINOIS WITHOUT A VALID BUSINESS LICENSE SINCE XX/XX/XXXX. THEIR LICENSE EXPIRED ON XX/XX/XXXX. THERE ALSO APPEARS TO BE A GAP BETWEEN XX/XX/XXXX AND XX/XX/XXXX AND THEY HAVE BEEN ACTIVELY COLLECTING DEBTS WITHOUT A LICENSE. 

RE : Illinois Department of Financial and Professional Regulation
I opened up a credit card with XXXX XXXX XXXX under my XXXX 's XXXX   Membership because they offered an attractive interest rate with 5 % back on in store purchases, 2 % cash back on outside store purchases and XXXX cents off per gallon of gas purchases through XXXX 's gas station. I was under the impression that the interest rate was fixed based on how the XXXX 's store was marketing the product. In XX/XX/XXXX there was a change to my XXXX XXXX   status to XXXX XXXX XXXX XXXX  which just found out when talking to a XXXX XXXX XXXX supervisor on XX/XX/XXXX. In XX/XX/XXXX I was in the middle of many personal issues and supposedly the company said they mailed out the changes to my account at that time. I never received or would have agreed to these changes. 
If I remember correctly the interest rate I agreed to pay was around 6 %. Part of my balance is being charged at 7.99 %. The XXXX XXXX XXXX portion is being charged at 26.49 %. This is predatory lending at its worst and is the most egregious I've ever seen. 
When I asked XXXX the XXXX Supervisor why I was downgraded to the XXXX XXXX XXXX XXXX she had no explanation because my account is still in " GOOD STANDING ''. I asked if this is a way that they can in fact raise the interest rate once the status is changed and she said it is. She looked at my status and according to what she can see I do not qualify for any special promotions moving forward on this account. 
I asked if there was a supervisor that can correct these predatory issues. She said ; today? I said today or any day. She said there will be no corrective action that can be done at this time.I again asked for a supervisor but she did not offer any further assistance to accommodate my request. I told her the reason I wanted a her supervisor was because it is obvious that there is a plan in place as far as increasing the interest rates of unsuspecting victims of their abuses and I was wondering if there was someone that could right the wrongs in my case. 
I also reached out to XXXX XXXX XXXX XXXX and told them about this bait and switch program. I told their supervisor that this credit card is not sustainable and will affect their future sales by victims of these predatory actions by the bank that they are promoting. I asked the supervisor to please discuss this at the next supervisor meeting to make them aware. The supervisor told me they are just told to sell this plan and they have no control of what happens after that point. 
I put in a complaint on XX/XX/XXXX once I figured out that my account was changed. The reason why I never noticed is that I usually pay my bills through my XXXX account. For some reason I happened to look at the interest rate which tipped me off to this major issue. I went back over my account after speaking to a Rep. from XXXX XXXX over the phone. This Rep. was not able to take the complaint but referred me to the email complaint section. 
I was told I am still in " GOOD STANDING '' to this day!
After sending information to verify myself with my disputes, TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

XXXX  XXXX XXXX XXXX not mine INQUIRIES XXXXXXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
OnXX/XX/XXXX Delivery Certified Mail Tracking # XXXX was signed by a Kohl 's representative and as of today XX/XX/XXXX ( 31 days ) they have failed to mark my credit report as being disputed which is a validation of federal and state laws AND they also failed to send me any information regarding this matter. See attached for proof of certified letter as well as my credit report pulled on day 31.
Recovery Portfolio Associates, LLC are sending me correspondance and reporting on my credit report that I owe for on an account for XXXX XXXX that is not owed
Received a collection letter from Retrieval-Masters Credit Bureau , Inc. on XX/XX/2018 representing XXXX XXXX for {$300.00} stating is a past due amount. No charge date or purchase date listed as well as any other pertinent information. We don't owe this company anything. Also this is the first such implication of the " debt '' sent to us. Called XX/XX/XXXX at XXXX XXXX. First spoke with XXXX who said the dates she has " don't look right so I'll check. '' Put on hold then phone went dead. Called back and spoke with XXXX who was belligerent and condescending and then hung up. Called back and got XXXX who said he'd go on-line to investigate. Told me " we have no info and you need to call XXXX. '' I contested that and finally he said he would call to investigate and get back to me " in 24 maybe 48 hours. '' Has not returned call. I called XXXX   earlier today and am filing this complaint as instructed. Collection agency information is : Retrieval-Masters Creditors Bureau , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX
I received two XXXX Grants : ( a ) {$3000.00} for Award Year XX/XX/XXXX-XX/XX/XXXX and ( b ) {$4000.00} for Award Year XX/XX/XXXX-XX/XX/XXXX Conditions of the XXXX Grant that would prevent it from converting to a Direct Unsubsidized Loan were : ( a ) I must XXXX as a full-time highly qualified XXXX in a high-need field, ( b ) I must submit annually a XXXX Grant Certification that states my intent to fulfill my XXXX Grant obligation and to document the the prior year 's qualified XXXX  service. 

I started XXXX at XXXX XXXX XXXX XXXX ( XXXX XXXX TN ) in XX/XX/XXXX and I sent certification for the calendar year of XX/XX/XXXX-XX/XX/XXXX.
I graduated with a XXXX on XX/XX/XXXX. ( Evidenced ) In a letter dated XX/XX/XXXX, XXXX  XXXX stated that my XXXX Grant Service Obligation Period Start Date was XX/XX/XXXX. ( Evidenced ) During the XX/XX/XXXX-XX/XX/XXXX school year I remained at XXXX XXXX and submitted certification for calendar year XX/XX/XXXX-XX/XX/XXXX. Due to confusion, this certification was sent on two different dates ( XX/XX/XXXX and XX/XX/XXXX ). ( Certification 1 ) ( Evidenced ) I transferred to XXXX XXXX XXXX for the XX/XX/XXXX-XX/XX/XXXX XXXX year. Certification for Calendar year XX/XX/XXXX-XX/XX/XXXX was submitted on XX/XX/XXXX. ( Certification 2 ) ( Evidenced ) I received a letter dated XX/XX/XXXX from XXXX XXXX confirming that I had two years of certification requirements remaining. ( Evidenced ) Certification for XX/XX/XXXX-XX/XX/XXXX was submitted on both XX/XX/XXXX and XX/XX/XXXX. ( Certification 3 ) ( Evidenced ) I received a letter dated XX/XX/XXXX from XXXX XXXX confirming that I had one year of certification requirements remaining. ( Evidenced ) Certification for XX/XX/XXXX-XX/XX/XXXX was submitted on XX/XX/XXXX. ( Certification 4 ) ( Evidenced ) A letter dated XX/XX/XXXX from XXXX XXXX confirmed and stated that " ... you have fully satisfied your service obligation for the program of study ... and ... You have no further XXXX, certification, or other obligations for these grants. '' ( Evidenced ) XXXX XXXX then notified me that the XXXX Grants had been turned into unsubsidized loans. 

I have made repeated phone calls to XXXX XXXX  to correct the error. 

In summation, my last XXXX Grant was received for the XX/XX/XXXX-XX/XX/XXXX XXXX XXXX year. I graduated from the XXXX Grant eligible program on XX/XX/XXXX. I then fulfilled my 4 years of XXXX and certification requirements for XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX-XX/XX/XXXX. It is my contention that XXXX XXXX has either erroneously or fraudulently converted the XXXX  Grants into unsubsidized loans.