WillisBack/dataset-financial-user-claim huggingface dataset:
I AM XXXX AND XXXX XXXX XXXX AND XXXX XXXX A THING. 

THEY ARE UPSET AT ME FOR PUTTING IN DISPUTES. THEY ACCUSED ME OF LYING WIHICH IS A TOTAL LIE. THEIR FOLKS PUT ALL IN AND MADE SO MANY MISTAKES. I ACTUALLY WAS THE ONE WHO CALLED ON ALL OF THEIR ERRORS. 

I DO NOT LIKE TO BE ACCUSED OF THINGS I HAVE NOT DONE. 

THE KIDS MADE SO MANY ERRORS AT CITI CARD AND FOR ME OT BE BLAMED IS SICK. IT IS ALSO ABUSE AND LIES. 

XXXX XXXX FOLK CAN XXXX XXXX AND THEY TRUST THOSE TO DO THINGS RIGHT. I WAS WALKED ON. 

I TRIED TO TALK THIS OUT, BUT SINCE I AM XXXX XXXX XXXX AND NO ONE LIKES XXXX FOLKS, I AM TOLD AS ALWAYS, LEAVE US ALONE AND PUT IT ALL IN WRITING. 

TODAY I GOT A CALL AND DO NOT KNOW WHY. 

THEY REFUSE TO PUT MY CREDITS THROUGH. 

I HAVE ALOT OF MILEAGE AND THEY DID THIS ON PURPOSE. 

CITI IS BLAMING ME FOR PUTTING IN DISPUTES. TRUST ME, IT IS MY XXXX AND THEIR WAY OUT OF PROVIDING THE NEEDED TOOLS TO THE XXXX  AND XXXX  XXXX XXXX SO THEY DO WHAT THEY DO TO HURT AND TO LIE TO GET RID OF THEM. LOOK AT THE PATTERN. 

DISCRIMINATION AGAINST A XXXX  AND XXXX PERSON SHOULD BE AGAINST THE LAW. I PUT MY TRUST IN THEM TO DO WHAT IS RIGHT AND THEN I GET ACCUSED OF STUFF I NEVER DID. 

I HAD MY HAIR RUINED AND PUT IN A DISPUTE AND ALSO AT XXXX IT WAS A MESS. CITICARD IS THE ONE WHO MADE SO MANY ERRORS AND NOT ME. I HAD TO CALL DUE TO THEM MAKING THE ERRORS. THE DID MAKE MORE THAN ONE ERROR AND TO BLAME ME, WHEN IT IS THEM IS SICK.
When I arrived in XXXX in XX/XX/XXXX, in order to build a credit history, I opened a prepaid credit card with XXXX bank for an amount XXXX {$.00} In XX/XX/XXXX Orchard bank card was taken over by Capital One and they started charging an annual fees, which I did not realize at that time. Since I had other credit cards by now, I was not using the Capital One ( previously XXXX Bank card ). Then I got a phone call from Capital One saying that I had a pending balance, I was surprised since I had not used the card in many months. When I called the Capital One, their representative checked the data base and told me that there was no due balance and that the call must have been a mistake. Then after some days I was informed by XXXX of the credit monitoring companies that my credit score had changed due to a negative comment. When I dug deeper I found that Capital One had posted a late comment. I contacted the Capital One and the new representative this time informed me that I owed XXXX {$.00} which was basically the annual fees. When I told her about my recent conversation with XXXX of the other representatives, and the fact that she had denied any pending dues that time. This new representative apologized for the mistake and assured me that the negative comment would be removed. But nothing has been done so far, and it continues to affect my credit score. I am finding it difficult to get good terms for home mortgage.
I have contacted the loan company i went thru for a payday loan. The companies name is CashNetUSA. I sent them an email telling them I wish to exercise my right as an Ohio resident and defer the payment as well as " I revoke my authorization to debit my bank account ending in ( insert last XXXX bank account number ) and debit card ending in ( insert last XXXX numbers of debit card ''. The company responded to me saying they do not legally have to revoke the authorization and that they can charge my account until the loan is paid in full. I told them I did n't have the money at the time and do n't want charges for overdraft and bounced check. My bank is first merit which is in Ohio. I also contacted my bank and their response was that there is no pending charges at the time. If I wanted to I could pay {$33.00} to issue a stop payment against the company. That should n't even be necessary as I said specifically I was revoking the authorization. Also let it be known, the contract I signed had nothing stating I could or could not revoke the authorization. The company is playing games with loopholes and violating my rights.
I am filing a compliant against Credit Bureau Transunion, on XX/XX/XXXX I  disputed a Fraudulent account on XXXX/ XXXX my credit report ... thru Transunion & XXXX , Transunion sent results back as verified and belonging to me, however XXXX deleted the account. I also sent a debt validation letter to XXXX/ XXXX and receive a letter stating they will be no longer collect on this account, Transunion has not as of XX/XX/XXXX removed/deleted this from my credit report. XXXX/XXXX account # XXXX ...
A vendor erroneously accessed my bank business account, which caused my account to overdraft. Bank charged me with an initial overdraft fee of {$36.00} and subsequently charged an {$8.00} overdraft fee every day, which continues to this date. Called bank and was advised that once funds were returned they would address issue. Went in person to bank and was told I would still be liable for overdraft fees - How could this be so I did n't cause it to overdraft My XXXX questions are how could I be liable for any over draft fee if someone overdrafts my account, admits they should n't have and rerurns funds that caused the overdraft, and secondly - can a bank charge an overdraft fee EVERY SINGLE DAY your account is overdrawn??? that is preposterous
XXXX XXXX represents a " time-share '' company which will not honor its agreement. Have tried numerous time to use their services which we are paying for to no avail.
Equifax verified this public record as accurate but I called my court house and my court house said, Equifax never called them or sent them any letter verifying this information. 
Now I am requesting the method of verification used to actually verify this item and according the case of XXXX XXXX XXXX v Equifax, XXXX XXXX and XXXX XXXX remember you have to do a real dispute and actually verify it. Hiring a 3rd party service does n't work for this purpose.
Hello, I just received a notice from chase that my CL on my chase freedom account was decreased from {$3500.00} to {$1200.00}. I am very confused as to why this happened. I recently made a payment of {$2500.00} which brought me down to {$850.00} which also brought my itilization down. I called the XXXX number and was told in order to possibly reinstate the limit there would be a hard pull on my credit report which i find to be not only unfair but very detrimental to my credit score. I have never missed a payment, i always paid on time and i have been banking with chase for several years. I would like to get it reinstated if not i may consider just canceling this card.
In XXXX XXXX our home flooded. In XXXX the insurance released a cash advance of {$20000.00} Wells Fargo endorsed the check and we were able to start the clean up process. When the remainer of the balance was sent to us Wells Fargo stated we needed a contractor and would not release more funds unless we completed the house to 50 % and passed approval. On XXXX/XXXX/XXXX Wells Fargo sent out their inspector and approved us for being 50 % completed. Now Wells Fargo will not release XXXX of the remaining balance.
On XX/XX/XXXX, I applied to assume a lease threw GM financial. To my surprise I was denied the lease when I received there rejection letter it states that they could not grant credit due the fact I have recent collection account. I have no idea of any collection accounts. I have zero late payment and much less anything on collections. I decided to call GM financial to find out where they got this information. They could not provide any info instead told me that within 2 weeks I should be getting a letter from the CRA providing further info. A month has passed and I never received that letter. So I decide to pull all three credit reports from XXXX, XXXX and XXXX. NONE have any missed or late payments much less COLLECTIONS. I do see that GM Financial did do hard credit pull threw XXXX on XX/XX/XXXX. I feel they have violated the FCRA. I have attached documents supporting my complaint. The rejection letter 's reference # XXXX Thank you for your time. Hope to hear from you soon. 

Sincerely, XXXX XXXX XXXX
Equifax, still shows XXXX hard inquires, that have been reported as fruard, by myself and the credit card company. But was never taken off. 

Ive tried several times. But unable to reach equifax, customer service.this is the most unprofessional service Ive ever experienced.
This is aregarding the nasty, patronizing and unnecessarily personal voicemail left on my phone from an employee of yours -- XXXX XXXX. 

This voicemail advised in a condescending tone that it was " time for me to accept responsibity '' for the debt owed. And that she was going to file for garnishment. And this was AFTER I had informed XXXX XXXX that I was at work and unable to have a conversation about this business matter. Ignoring my plea, she called back four times, then left said voicemail. I would hope that this kind of behavior is not representative of this company.
I have a flexible medical spending account through my employer XXXX. I tried to use it to pay a dental bill and learned that the account had been hacked and {$3200.00} was taken out from someone in XXXX When I contacted Bank of America they said there was nothing they could do. Their explanation to me was that it was over 90 days and because I did n't report it as soon as it happened the time frame for filing a complaint had expired. They stated they tried to contact me.i did not receive anything in the mail, nor did I receive a phone call. I have called twice to try to resolve this with Bank of America and they hung up on me. My name is XXXX XXXX XXXX. I can be reached at XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX
I called Transunion customer services line to request help from being a victims of their reporting mistake and removing inquiries on my report. The reprensentive was no help to my situation, and would not remove inaccurate information. The credit inquiries are listed below XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Good Afternoon, I am trying to get some assistance from the consumer finance department in this matter, I have been trying to get some help in clearing my credit score, as you can see i have a lot of hard inquiry, I have 8 inquiries in one day that is not possible. I called and customer service would not help and take care of the negative inquiries reporting to your credit report. I am hope your department will help me. Thank You for taking your time in reviewing this email, may you have a wonderful and blessed day. 

XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
1. I purchased XXXX insurance that was suggested by Ally Financial, however, my vehicle was not covered entirely by this insurance and now I have a charged off account on my credit reports. 
2. I may have a collection account on my credit reports because the XXXX insurance I paid for did not cover the gap between the purchase price or amount owed on loan and the value paid out by both the insurance company and the XXXX insurance company.
Hello! I am currently submitting this complaint mainly because I fear that my personal information is being handled incorrectly. I recently received a voicemail from the debt collection company ACI. I understand the way collection efforts work, and I understand that calls are made, voicemails left, etc. But I was in my living room when listening to my voicemails and unfortunately now my roommates all know that I 've got a collection company attempting to collect a debt from me. All the information was flat out released with no concern for privacy. The voicemail included my name, a reference number, and the caller even stated that they were a debt collector, as if to reassure anyone that might be listening. I 'm afraid that if they happen to have any other phone numbers in their system, they may be leaving similar voicemails elsewhere. I 'm already humiliated by the fact that my roommates know that I 've got debts, I really do n't want anyone else to find out about my financial troubles.
On XXXX XXXX, 2012, while I was at work, I, XXXX XXXX XXXX, was forced out of my home for the second time ; by which XXXX, XXXX XXXX and its affiliates committed fraud upon the court, coercion, racketeering, conversion, XXXX, wrongful eviction, trespassing, breaking and entering, fraud, constructive fraud, etc., with the motive to cover up all loose ends of this mortgage transaction by confiscating all of my belongings in order to dispose of any incriminating evidence that chronicled my dealings with XXXX that could possible yield to any potential wrong doing on their behalf. Since XXXX fraudulently achieved a favorable foreclosure decision on the merit of abandonment, it is plausible to believe that the motive for why XXXX needed to confiscate all my belongings without returning them is due in part that XXXX could not turn around and request the courts to issue an eviction notice when it was XXXX 's sworn testimony in court that my residence was deemed " abandoned '' by their preservation team XXXX! 

With that being said, all evidence clearly indicates how XXXX only sole purpose for contracting XXXX 's was for them to diminish and/or eliminate any potential defense against mortgage fraud with the perceived notion that once XXXX was successful in empting out my home I would be without a justifiable defense to refute any mortgage documentation presented by XXXX XXXX as being authentic. As a result, U.S. Bank, via my initial complaint with them, took the liberty to either replace my mortgage loan documents or alter them with fraudulent ones of their own [ XXXX ]. Nevertheless, when I filed former complaint ( s ) against the closing agent/notary-XXXX, along with complaint ( s ) against XXXX Fargo/Wachovia-who originated this loan-they confirmed via their response ( s ) that the documents presented by XXXX XXXX were not documents prepared or presented for me to view and sign for at closing [ XXXX ]. Nevertheless, it is XXXX who is proclaiming that there was no wrong doing committed on their behalf ; therefore, all documentation they presented via the CFPB was a part of my " original '' closing packet that was packaged and sold to them by Wells-Fargo/Wachovia. 

With that being said, I request for Wells-Fargo/Wachovia, via the CFPB, to explain to me in detail why a ) did Wells-Fargo/Wachovia intentionally and maliciously commit fraud by fabricating my loan documents with fraudulent signatures ; and b ) if XXXX XXXX proclaims that they did not commit fraud by forging my signatures to mortgage documents for Wells-Fargo/Wachovia to explain in detail the who, what, when, where of HOW XXXX XXXX came to be in possession of fraudulent mortgage documentation that can not be accounted for by the originating source ( s ) who had me to sign " all '' applicable mortgage documents at closing [ XXXX ] that now contradicts documentation XXXX XXXX presented as being a part of my " original '' loan packet!
I disputed a debt for an apartment rental where the lease was terminated prematurely by the co-occupant, 1 month prior to the expiration of the lease. I never actually lived in the apartment. I was simply the guaranteer, but was required to sign a lease as well. It was sent to a Rental Recovery Solutions, XXXX. I asked that, in addition to a copy of my lease, and an itemized list of alleged debt, I ask that they provide a copy of the co-occupant lease signed by the co-occupant, as well as a copy of the 60-day notice to vacate that I provided. The Recovery company did provide an itemized list, the last page of the lease with my signature, but no other part of the lease. Nor did the company provide me with a copy of the 60-day that I signed, or a copy of the co-occupant lease. They are also charging me a fee of XXXX for rental insurance. I received XXXX phone calls from this company, and each time, I have informed the company that I was recording the converstion. Each time, I was told that I either had to agree to not record the call, or they would no longer speak to me. I refused to agree to such request, so they then hung up each time.
This is a debt form a bank account that I do not owe money on. I have contacted them about it years ago and its still on my credit report. The derogatory account is keeping my credit score low and keeping me from securing other needed credit lines.
CitiBank - CitiCard, Credit Card Division - Citibank closed my account, due to inactivity, last activity was in XX/XX/XXXX a payment of {$1.00}. I have had this account since XX/XX/XXXX. As a result, my FICO credit score, and other credit scores by other reporting agencies have tremendously dropped by at or around 40 points. I requested Citibank reopen the account. CitiBank has informed me that in order to reopen the account, and regain my credit history since XXXX XXXX, CitiCard will have to pull my credit. I have 90 days to decide whether to reopen the account, otherwise credit history is lost. The issues I find here include the following : 1. I was not given notice prior to account closing. Section 7 of Credit Agreement states the following : " Closing or Suspending Your Account. We may close or suspend your Account if any of the events listed above occur, or for any reason, or for no reason. We may do this at any time, without notifying you, as allowed by law. '' Notice should be given to customers prior to closing their account that has been opened for close to a decade. CitiCard representative also stated that you have informed colleagues that notice should be given to customers before account closing. 2. My credit history has been damaged as a result of CitiBank closing my account. I have been personally damaged by my credit history declining as my husband and I have began the homebuying process, initial discussion with real estate representatives and banks. 3. I have been damaged with this inconvenience my time and pice of mind has been damaged. I called CitiBank on XX/XX/XXXX on or about XXXX XXXX PST and was on the phone with a CitiBank representative for close to an hour. My issues have still not been resolved. I am reporting this complaint to resolve my issues by opening the account without pulling my credit score.
This issue is been going for quiet some time. 
Late in XXXX I received a letter from XXXX XXXX XXXX stating that they represent Velocity Investments and that I owed about {$10000.00}. I had no idea who Velocity was and I mailed a letter back to them asking for more information. I also explained to them that I lost my job and my available funds were very limited. I never heard back from them. About a year later I found out that they filed a lawsuit against me. I tried to contact Velocity several times. I called and email with NO answer. I finally spoke to a person who said that she was n't able to provide me with any information and referred me to XXXX XXXX XXXX. I called and requested more information but I was terrified by the lawsuit and asked what will be a reasonable amount I can pay, the lady on the phone said that the only acceptable amount was somewhere around {$9900.00}. I asked to make payments and she said I should call back and talk to a " XXXX ''. I did. I asked to see a proof of my debt. in XXXX of XXXX I also emailed and requested more information and offered to make monthly payments for the amount i owe. 4 days later they send me a file that does n't have my signature and claimed that i owe {$10000.00}. I kept telling " XXXX '' that the amount was incorrect. 
XXXX had XXXX at her office email me an agreement requesting a lot of information and said she will have to see if she can get the payment plan approved. 
I requested again to have more information that shows the breakdown of all my payment. I emailed them on XXXX and XXXX. 
on XXXX I finally received another email from XXXX, this time they claimed that I owe {$10000.00}. 
I requested the breakdown again on XXXX and XXXX, XXXX, XXXX. I found out that on XXXX a person came to my daughter 's friends home looking for me claiming to be an " officer of the law '' and she refused to leave. she said she will be back every day until she is able to hand me some documents. That created a lot of XXXX and I know it was illegal.
Mortgage transferred to Loancare LLC on XX/XX/XXXX.  Attempted to make payment, but was told not to send one in ( check ) because it wo n't apply to my account. Gave me a new mortgage number from them and attempted to pay online. Does n't work. Called them ( XX/XX/XXXX ) and was told they have no record of me. Told me to wait another 30 days and call them back. Mortgage is due today ( XX/XX/XXXX ). I just wish to make my payment on time, with no fees with an company who actually has record of me. It 's a bit odd to me that they gave me an account number, but it 's not valid through them?
At XXXX a message was left by a female who said her name was XXXX from LJ Ross and Associates. There was no mention of who the call was for or what the nature of the call was.
Company has failed to properly investigate my identity theft claim. I've mailed and faxed in sufficient documents to support my claim. The credit reporting agencies have send back electronically verified responses. When i call, im unable to get anything resolved over the phone, the most helpful reps have all been located outside of the USA. i've attachment documents to be re-reviewed, hopefully i will get some assistant with the help of this complaint.
In  2011  I had a   XXXX   XXXX   at  XXXX   XXXX   XXXX  in  XXXX  GA which was paid for at 100 % by my insurance. I was called back for  XXXX  additional procedures. No explanation was given to me in reference to why I was called back. Then the physician during an   XXXX   asked if I had had any  XXXX   XXXX  I replied yes and that I had been asked that question on my first visit and had answered yes. She said " oh, then you are fine '' and immediately stopped the  XXXX . It became apparent that the tech did not write down the very pertinent information which would have saved me  XXXX  extra trips to the hospital and the subsequent bill. I received a bill for {$370.00} for her mistake. I wrote a letter and called repeatedly but was ignored. I never received a response. Then they filed the debt on my credit report.  XXXX   XXXX   XXXX  had no right to charge me for their mistake. I filed another dispute with   XXXX   and the response was " This creditor has verified to  OUR company that the balance is being reported correctly '' It adds insult to injury when the hospital staff screws up and then charges the consumer for their error.
On XX/XX/XXXX I sold {$200.00} worth of XXXX in Coinbase and chose the " Instant '' sell option to send my payout money ( {$200.00} after fees ) to my XXXX account. I received a confirmation email that my sell of {$200.00} XXXX had started and the " estimated payout '' would occur on XX/XX/XXXX. I  checked my " History '' in my Coinbase account and that particular transaction says " COMPLETED. '' It is now XX/XX/XXXX and I have not received any payment from Coinbase to my XXXX account. I am growing alarmed because I have no idea where my money is. Coinbase does not provide clear information on this issue, their customer support XXXX is XXXX, and they do not provide customers with a tool or update to track the money. 

Would like to know where my money is, why I have n't received it yet, and when I can expect it to arrive. 

Thank you.