WillisBack/dataset-financial-user-claim huggingface dataset:
This is a follow-up to a previous complain that I have filed. [ Case number : XXXX ] I have been working with my financial institution ( Citibank ) on this issue continuously since my previous complaint. 
Previously, Citibank advised, " On XXXX XXXX, 2016, we received notification from XXXX that on XXXX XXXX, 2016 your wire transfer was processed in accordance with your instructions and that the beneficiary 's account was credited. '' This is NOT Accurate. The funds were sent to a Different Account and in a Different Currency from my Instructions. I have attached documentation that demonstrates that my instructions were not followed. 
I directed the funds to be deposited into account # XXXX. However the funds were deposited into account # XXXX. This is inconsistent with my instructions and the Wrong Account. The last XXXX digits of the account specify the currency ( XXXX is a XXXX XXXX account and XXXX is a local currency account ). 
I have attached a copy of my Bank Wire Instruction with the designated account highlighted along with a copy of a statement showing that the funds were deposited into the incorrect account. 
I have provided the documentation to Citibank but they have failed to rectify the issue. 
I am seeking Citibank to comply with my instructions or refund my money.
I currently have a Macy 's store credit card. Although, I have a XXXX balance on my card, it says that I owe a {$2.00} finance charge. I paid the credit card off last month and did n't use it. I do n't understand how I have this finance charge.
On XXXX XXXX I contacted the company in response to a collection account that is on my credit report. I stated : I do not acknowledge any liability for this debt in any form and I retain my right to request a full and complete debt verification and validation from your company. 

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit profile at the three credit bureaus ( XXXX XXXX XXXX XXXX XXXX. 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 

I was told that because of where I live MEDCAH does not have the right to collect or the license to collect there. I was also told that I could make a payment online and have it deleted the next day. I could not get this mailed to me in writing because the company doesnt send out letters and they legally can not because they can not collect where I live.
I contacted the company but to no avail. They have failed to return my calls or emails.

This is a violation of the Fair Credit Reporting Act Section 604. I believe this was not a permissible purpose for a consumer report and feel heavily discriminated against.

The Equal Opportunity Act, 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.

I have no idea how these inquiries got onto my report. I was alerted by the XXXX  app of inquiries that are not recognized on the report. I do recognize them and i want them off my report.
Well I have been victimized f identity theft for years. Every since then I been trying to stay on top of my credit file. So Transunion credit agency have deleted some f my information and my inquiries and two days later they put them back on with other withou y knowledge I have talk to the supervisor nd she said she will take them all back off and I waited and they still on my credit file. Now since I talk to the Fraud department I just get the run around. I have all kind of letters from errors or dismissals and a police report stating me being victim of identity theft.Can you please look into this matter. Thank you. And I have others if needed
My ex-wife and I have a mortgage and a HELOC through US Bank. We got divorced, and I subsequently went bankrupt. My ex-wife would like to purchase the house, but US Bank has been unwilling to send a payoff quote. She has been trying for approximately six months to get this settled, and I personally have contacted the bank at least 4 times.
After receiving a debt collection notice on a bill from XXXX XXXX, I called the collection company to dispute this as I did not receive the bill. I was told by the collection agency that I should contact my insurance company for any back up regarding this bill. I called XXXX XXXX after getting the number online, and spoke to a XXXX, who could not provide me a copy of the bill and sadly told me to contact the collection agency with whom would not provide me any paper work other than what is on the collection notice. 

Since this occurred yesterday, I have had to block harassing calls. 

Please help, my health can not continue to deal with this in such a terrible manner.
Equifax was completely negligent with the data it holds on me including my SSN, full name, and address. This data was retrieved easily by hackers. Several C level executives of Equifax sold their shares long before this breach was made public. This goes to show that the breach was known about, but hidden so they could maintain millions in profits. This is unacceptable.
I co-signed student loans in XXXX when I was XXXX years old. My co-signer paid his loans to Citibank before XX/XX/XXXX. In XX/XX/XXXX, I was not living at my old address and did not use the phone number any longer that was on the original application when I co-signed. In XX/XX/XXXX, CitiBank sold their student loan portfolios to XXXX XXXX XXXX XXXX yet credit reporting and other documents still show Citibank as the lender. Occasionally, I would check to see if payments were paid up to date by the original signer. I signed in online and saw that the loans were no longer there. It was XX/XX/XXXX, I was not able to get in touch original signer and I saw a {$0.00} balance on the loans. By XX/XX/XXXX, I was able to speak with the original signer and he told me he thought I was paying the loans because he saw his online CitiBank account had a {$0.00} balance as well. I called Citibank who then informed me that my loans now belonged to another lender. It was a very busy time of year, I missed the payment by 35 days ( 5 days past the credit reporting ). It is also 5 loans, when I really only make one payment per month. I  would like this removed from my credit report due to the confusion and lack of explanation for transferring of loans. I have called XXXX XXXX XXXX XXXX who says they will not adjust anything that is more than 60 days old.
I have been an American Express card member since 1986. I recently received a letter informing me that one of my two accounts ( XXXX XXXX ) was under financial review. Bear in mind, my account has never been paid late, ever. In fact, American Express has increased the credit limit on the account twice, without my requesting the increase, in the past 12 months. 

I was asked to give approval for XXXX to access my tax return. What? There is absolutely no reason/rationale for XXXX to make this request. I refused to give XXXX access to my tax returns and my account was closed.I believe this act will unjustly damage my credit rating since I still carry a balance on a closed account. 

I also have a Platinum card with no credit limit and I have never been asked to produce tax statements. 

I would like this issue investigated for fairness and lawfulness.
On XX/XX/XXXX I received a prescreened offer from XXXX XXXX. I called XXXX to opt-out just as it indicated at the bottom of the page. I also went to XXXX on XX/XX/XXXX and filled out the form for the 5 Year Opt-Out. I received another XXXX XXXX mailing on XX/XX/XXXX to which I immediately called XXXX for an opt-out again. Today, XX/XX/XXXX, I received another XXXX XXXX mailing. I thought something was not right so I pulled my XXXX credit report to find that there is no mention of an opt-out. I used to see that I had an opt-out on the file. After three motions for an opt-out it should be reflected somewhere. Today I mailed the opt-out form to make it permanent, not just for five years. There should be some way to check and see if that is on the file.
I received a phone call at XXXX XXXX from an Alltran Financial representative in XX/XX/XXXX while I was XXXX to XXXX. The representative asked for my name, phone number and mailing address. She said, she was trying to collect a debt from XXXX XXXX. I said, I do not remember a loan from XXXX XXXX. She said, you don't remember paying on a loan for a couple of years. I told her I would like verification of the loan but, I would not be leaving XXXX until around mid to late XX/XX/XXXX. I told her to mail the verification to my PO Box and I would get it upon my return. In the meantime ( without sending me notification ) Alltran filed a collection for {$4900.00} with all of the Credit Reporting Agencies ( XXXX, XXXX  and XXXX ). Upon my return from XXXX I received a letter from Alltran stating I owed them {$4900.00}. They did NOT send me verification I indeed was the owner of a previous loan with XXXX XXXX. Now I have an unverified collection action on my Credit Reports.
I had a charge off from a XXXX Exchange card. The amount of the debt was XXXX. I was garnished XXXX. I paid XXXX in XXXX and {$250.00} every month. With the garnishment and the payments made of to XXXX, I have paid the amount of {$3300.00}. I spoke to the company to see the status and they stated that I owed an additional {$1000.00}. I asked for a breakdown and they stated that they could not provide it. They stated that I owed {$4000.00} and I was still collecting interest every month. I requested a copy of the original debt and they refused. I asked how much of this debt was paid to the original creditor, I was told {$2900.00} and the rest went to them. I stated that the account should be paid in full. They just continued to argue and tell me if I would pay my bills then I would n't be in this situation. I asked for my payment history and the original debt. I asked them to remove my debit card from the account until further notice. He refused and stated that they will get their money. I do n't owe anymore so I do n't understand. I have paid the balance on the chargeoff of XXXX, I have paid an XXXX in addition to that amount and they are telling me that I owe {$1000.00}
I graduated but have been unable to get any job but a part time job with XXXX XXXX. 
I have 4 loans with Sallie Mae and I am paying $ XXXXmonth on 1 and the rest are in default because they require me to pay way more than I make and my Mom can't afford an additional $ XXXXmonth payment. But they make calls to everyone even people that aren't relatives. I don't even know the people 's number they are robo calling. I was getting 8-10 calls a  day as well as my Mom. Then I heard from a cousin I haven't seen in 10 years that they called him about me.
I was taken to court by Portfolio Recovery in XXXX of 2017 for an XXXX XXXX and a XXXX XXXX account that was n't mine. I told the lawyer that the accounts were n't mine but I was still told that I would have to pay these accounts or I was going to have my wages garnished! So on XXXX XXXX 2017 I made a payment of {$900.00} to the XXXX XXXX account and {$500.00} payment to the XXXX XXXX account. Also on XXXX XXXX XXXX I made an additional payment of {$100.00} to the XXXX XXXX account. I 've gone back and forth with Portfolio Recovery and the Credit Bureau for months trying to get some answers. On XXXX XXXX 2017 XXXX proved that those accounts did not belong to me and now Portfolio Recovery does n't want to refund me my money. I spoke with agent XXXX XXXX ID number XXXX in the dispute department in XXXX 0f 2017 and he told me that if the accounts came back as not mine that I would be refunded my money. Now now one will let me speak with him and keep telling my that they would never say they would refund my money.
Ref : CFPB Complaint # XXXX I believe that Wells Fargo Home Mortgage engaged a dishonest and unscrupulous marketing tactic meant to drive business in which I am a victim of their offer of an exceedingly low mortgage rate meant to attract customers know full well that the teaser rate ( the " bait '' ) was not available. XXXX the loan process was well underway and WFHM knew that after my considerable investment of time and finances with the imminent danger of surrendering a large sum of money if I backed out of the deal, WFHM proceeded to offer the higher rate ( the " switch '' ), thus earning greater commission. I believe WFHM delayed submitting my application for {$10000.00}. down payment assisitance from XXXX, which was consequently denied because the amount of the loan would be significantly lowered, thus WFHM would earn a lesser commission. When I consider the fact that Wells Fargo Bank has a history with the XXXX involving racial discrimination, my experience navigating through unreasonable obstacles that seemingly were meant to deny the loan, after consulting with White customers who have done business WFHM, and being included as a " Class Member '' of XXXX separate court actions against Wells Fargo Bank which were, to the best of my understanding ; each brought forward by XXXX complaintant, I think there is reason to believe that I have been a victim of racial discrimination by Wells Fargo Bank. I believe the figures contained in the Settlement Statements are deceptive and have been fixed to scam and overcharge.
I was told I could consolidate my loans. Spoke with people on email and phone to make one time payment to get the loans consolidated. They took the money and said to stop answering calls form student loan places. I believed they were reputable. After checking back in on the fact i have n't heard from them, all emails were no longer viable and i could not find any website or place to get a hold of someone.
I have a hard inquiry on my XXXX Credit Report on XXXX XXXX, 2017. This inquiry was not authorized by me. I contacted Syncb/jcp by mail and they did not send me a letter with proof that I authorized this Inquiry. I never received proof of a denial letter stating why I was not approved.
I contacted  Loan  Me, an on-line lean company. In setting up the loan, I was asked to give my router number to my checking account so the loan could be deposited. After that I was told to purchase  XXXX  itunes cards,  XXXX  for  XXXX , the other  XXXX . Then I called the phone number given to me (  XXXX  ) and read the numbers over the phone. I was told at that time that  XXXX  had been put on my credit card. This was to be given back to the loan company via  XXXX . This would show good faith in paying back the loan. I was instructed to go to  XXXX  and purchase the  XXXX  which I did for  XXXX . A check was sent to me for  XXXX  but the bank did n't cash it. Another check came for  XXXX  but was not cashed. A third came that was made out to  XXXX   XXXX  whom I do n't not know. I am contesting that I did n't authorize the money on my credit card and I want  XXXX   XXXX  to put it back in my account. My accounts have been closed and I have received a new bank card, but have not been reimbursed for the  XXXX .
Capital one kept calling my husband AND gave him MY information without my permission. They said they were going to file a judgement, gave him everything single detail of my account. 

XXXX credit card did the same exact thing. Also, my husband keeps getting telephone calls about my debt. I think that they should compensate me just for the aggravation that I have endured!
I was a victim of predatory lending by American Financial Network XXXX XXXX XXXX XXXX. He baited me with a low interest rate before and after my loan process with a 3.625 % mortgage finance rate. This was on a 30 year conventional fixed loan with 5 % down. He ran my credit and I had a XXXX credit score which is the highest bracket I could be in. I applied for the mortgage loan with AFN on XXXX/XXXX/XXXX and on the closing disclosure estimate it stated 3.625 % rate. However when asked if it was locked he XXXX XXXX XXXX XXXX stated I had to sign the loan application and disclosure estimate. He also replied in a separate email on XXXX/XXXX/XXXX that it was indeed " locked 3.625 % with our # XXXX top investor. '' I have proof of that email as well as documentation of the underwriter also approving me at the 3.625 % fixed rate and credit score. So XXXX strung me along the whole mortgage process until XXXX/XXXX/XXXX ( after expected close date ) when he revealed that his investor backed out of the promised 3.625 % rate and that I would have to accept a 5 % rate! He stated to me and my agent that he purposely avoided telling us sooner since he was 'nauseated ' at the news. He waited until after the election to tell me and by then rates had skyrocketed to 4 % and above. He eventually told me 4.5 % is the best rate he could get for me! Since I had no other recourse I had to accept. The rates did indeed go up everywhere and I was at major risk of losing the home. So he had me cornered. I was offered a free refinance certificate in case the rates dip well below 4 %. I want justice for the bait and switch scam AFN is running. The fraudulent scam that XXXX pulled on me will cost me about {$86000.00} over course of loan and $ XXXXmonth extra ( $ XXXX ). Please refinance me at the " locked '' rate of 3.625 %. Thank you.
Trying to link XXXX to my Capital One card account for monitoring charges.  Capital One doesn't allow external applications to access my account.
I have an impound account with my mortgage company to pay taxes and insurance for the home I currently own. On XX/XX/2018 the company paid the property tax erroneously on a property that I no longer own and failed to pay the taxes on the correct property I do own. I contacted the company on by phone on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. The company not only has not resolved this mistake but sent me a letter indicating that my mortgage payment will increase due to an escrow shortage.
Many residents in our neighborhood are being inundated with mortgage refinance offers by out of state firms. When I agreed to allow Interest Smart to pull my credit report to see what rate/benefits I would qualify for, I was told the pull would not be a 'hard ' pull, which defines inquiries that remain on XXXX 's report for 2 years and affects credit scores. As it turns out, my current mortgage is best for me and no services from Interest Smart were needed. 

In contradiction to what the mortgage officer 's assistant XXXX told me, when I received a credit report copy, it disclosed not XXXX, but XXXX hard pulls that will stay on my record for 2 years and potentially affect my credit score. On XXXX XXXX, I remitted an email to loan officer XXXX requesting these inquiries be adjusted to XXXX 'soft ' inquiry ( those that do NOT affect credit score that most existing creditors, employers and insurance companies utilize ). To date, I have not received a response from anyone at Interest Smart. 

As you know, most seniors experience a significant reduction in income upon retirement, so it is critically important that unnecessary and unwarranted 'hard ' credit inquires be limited in event of potential future mortgage needs.
It is showing on my credit reports that Santander Consumer USA did a hard inquiry on XX/XX/17. An inquiry letter was sent to the company to provide explanation for the hard inquiry. Santander Consumer USA responded by stating that my credit was pulled on behalf of XXXX XXXX XXXX. I have never visited XXXX XXXX XXXX or given anyone from the company permission to run my credit or provide my personal information to any other parties. I have never received or been offered any services or financing from XXXX XXXX.
Chrysler Capital with collaboration with XXXX XXXX XXXX of XXXX XXXX and XXXX had processed auto-financing documents in a knowingly false manner. I am a service member of the United States XXXX XXXX and what they did was unethical, immoral, and illegal. I was presented my financial agreements in a false manner. Down payment information and trade in value were improperly valued.
PayPal holding back Consolidated joint General account information Merchant bank and processor information Credit card and billing information After XXXX XXXX XXXX And XXXX XXXX XXXX generational family survivors XXXX XXXX XXXX XXXX , Louisiana XXXX complete the signup process, paypal begin configuring and managing service ( s ) within the PayPal Manager, false advertising shadowing work history our online business and service management portal PayPal system accountability maintenance employment professionals promotions Wage and labor investment and good will donations Approval by XXXX XXXX USA holding Annual w2 Retirement update employees employment permanent 401k, Insurance injuries FMLA and pay rate and beneficiaries Dependents Insurance classification verification status years ended XX/XX/XXXX on XXXX XXXX XXXX born XXXX XXXX married to XXXX XXXX XXXX And Dependants Annual address XXXX XXXX XXXX XXXX , Louisiana XXXX update public storage systems accountable systems attached letters of Hornable Discharge awarding Home manger youth development Property Manager XXXX XXXX XXXX XXXX XXXX Birthday errors corrections Now on XX/XX/XXXX
XX/XX/XXXX, put a contract on a home through Guild Mortgage, property address is in XXXX, sc XXXX XX/XX/XXXX, I did inspection for a streamline XXXX mortgage, total mortgage {$100000.00} XX/XX/XXXX, unknown to me, presidentially declared disaster damaged the home before we closed XX/XX/XXXX, I closed on my home but the lender did not do a post disaster inspection for damages as a result of the storm as required in FHA guidelines XX/XX/XXXX, contractor began streamline XXXX repairs but was unable to finish due to additional damage not included in the mortgage as a result of the storm XX/XX/XXXX, I was unable to even move in the home because the damage was so significant and severe, mildew and mold and flood damage, furniture was moved in and also damaged from mildew XX/XX/XXXX, retained an attorney to work with Guild Mortgage on getting the repairs done XX/XX/XXXX - XX/XX/XXXX, Guild Mortgage tried to put the responsibility for repairs on me. All the while, my attorney was in settlement negotiations with Guild Mortgage. Behind our backs, Guild mortgage applied for foreclosure in XXXX of XX/XX/XXXXXX/XX/XXXX, Guild mortgage had repairs assessed in the amount of {$160000.00}, the mortgage is only for {$100000.00}. Guild offered to take over the deed of the home in exchange for credit repair and a settlement of {$10000.00}.