WillisBack/dataset-financial-user-claim huggingface dataset:
I had   a Citi visa credit card for many years ( 9 years I think ).
recently Citi switched from a Visa to a Mastercard credit card.     I decided to start using the card more, to use it for everything and not just have it for a back up.   I began having trouble with the card being denied for online purchases.   I had visited with the fraud department for abo ut 7 or 8 lengt hy phone calls during the month of    XXXX   XXXX  about this  problem.   I was told their was lots of fraud going on.   I demanded a list of any and every fraudulent charge my card was used for or any late payments or any problems on my end. They said my card was not used in fraud but they " needed to protect the card '' It was really ridiculous.   They would throw the fraud flag for a {$1.00}, or {$50.00}, or {$100.00} dollar purchase.   The only place I could go and be sure the card was accepted was  XXXX .   Online purchases were a joke. I had so many declines from  XXXX ,  XXXX ,  XXXX ,  XXXX  that the digital currency community thinks I am a pariah. They do not even want to deal with me anymore . One Citi emplo yee admitted they had never heard of  XXXX  or digital currency and it was fraudulent to try to buy a   XXXX  !    Citi ha s just really  XXXX  me off.   I closed my account today and now am in process to find a card to takeover my  XXXX   XXXX  AAdvantage account. I need to transfer about  XXXX  miles ( that represents dollar amount purchases over time ) because  Citi has b een so troublesome for me.   I even offered to put money up front like a  thousand d ollars up front if they would let me then use it for on line purchases. They said it does not work that way.   Have never been so frustrated with a credit card company that has refused to let me make a purchase.
XX/XX/18 Transunion, XXXX, XXXX  Reported account with XXXX XXXX XXXX as an OPEN account in Collections. 
This account has been in Charge OFF status for over a year. 
After sending factual information in regards to the inaccurate monthly terms reported, in the amount of 81months ( Should be 72 months, according to contract ). They have failed to provide proof of the balance calculations listed on my credit report.

After disputing the first time, this company updated my late payments reported ( my extended amount of days late on certain payments ). Still not providing PROOF. 
NOW they have an account, which is remarked as being a write -off, as if it is an active account in Collections. 

This company is in violation of the FDCPA and the credit bureaus are in violation of FCRA and have failed to complete a proper investigation.
I am missing the following payments regarding my VA mortgage loan as well attaching screenshot regarding XXXX   once again has inaccurate information that my property has recently been in a natural disaster within the past week. I have again contacted FEMA and my homeowner 's insurance company in which they stated should not have been submitted because this is false information. They are now as well both involved since this continues showing up by the person behind the computer screen at your company intentionally adding this after each CFPB complaint that I file. 
The following months are missing on my credit report in which I have the signed and cash checks by your company : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. 
I was told via tape conversations you may want to pull through your company that after forbearance. All payments would be submitted that are missing for the year XX/XX/XXXX. You now tell me that if you submit the payments you will mark them as late however I was not told they will be marked as late since XXXX XXXX misguided me at the beginning of this entire process. How am I to do as XXXX XXXX stated refinance my home when my personal bank XXXX XXXX needs to show that my credit report matches the payment history you submitted to me via email late last week there are missing payments 13 as of today with the credit bureaus. 
On one bureau report there are payments that were being reported during the forbearance. Yet on another Bureau report there are not. Regardless natural disaster is a false report an allegation that needs to be removed immediately off of XXXX   and any other Bureau at the person behind the computer screen submitted the report. I also need missing payments reported and I'm not talkin late payments because I have been miss guided through this entire process while your representative XXXX XXXX almost 18 months ago. It was your company that was an admittance that XXXX XXXX misguided me and remove me from forbearance I'm making my last payment and removing forbearance from the loan.
Paypal, so far the most complained among the virtual currencies, blocked my account without any explanation or logics on XXXX 2015 and it is still blocked after my several attempts to have it unlifted!! Paypal, following its tradition of doing ridiculous and stupid things, is keeping the restrictions on my account and it seems nothing can be done in order to be able to make transactions in my account! I am unable to send payments as well as receiving payments and without any explanation from Paypal! I only get nonsense words from Paypal agents on the phone, whatever they state is contradictory and incoherent and when I want to speak with a supervisor I get cut off!! I posted a complaint in this website : http : //www.paypalcomplaints.org/ but Paypal remains completely passive on it, shameful!!!
Currently a discharged bankruptcy is being reported by Experian and XXXX after several disputes have been made due to improper validation of this public record. The court that filed the chapter XXXX bankruptcy stated they do not validate any public records filed ; which leads to improper reporting. The chapter XXXX was discharged and filed in XXXX  2011.
Two days ago I submitted a complaint to all three credit bureaus regarding their failure to raise my score after their investigation and removed inquiries. I further explained that when the fraud inquiries happened my credit scores all dropped over 5 points each but when they were finally removed my score only went up one point. I received confirmation that the CFPB submitted my complaint and just today I was alerted from Credit Karma that my scores all dropped today by 14 points each. I checked and there was no reason for this to happen, there are no new inquiries or any payment errors. The Credit bureaus dropped my scores on purpose as retaliation for my complaints
On XXXX XXXX, 2016, I paid for in full an all inclusive stay at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX for XXXX people. {$1300.00} was charged to my Chase account. Leading up to the payment in full, XXXX XXXX had charged my husband 's XXXX in the amount of {$660.00} for one night at the hotel. My travel agent XXXX found a better rate of $ XXXX/night and we decided we wanted to rebook under my Chase card. Instead of refunding his XXXX in full, XXXX XXXX said they would refund him {$470.00} to his XXXX and charge the remainder to my card ( {$1300.00} ). ( Note : They never refunded him this amount and he had to file a dispute. ) Our trip was XXXX XXXX, 2016. Upon arrival at XXXX XXXX XXXX, they asked for a credit card to have on file for " incidentals. '' At check out I asked if I needed to do anything, they said no and snipped off our wristbands that signified we were booked under the all inclusive rate. At the airport in XXXX XXXX, my brother who booked his own room noticed he was charged the entire amount again by XXXX XXXX. I did not see it on my account. The next day, I saw the charge of {$1500.00} by XXXX XXXX. I disputed this with Chase believing this should be a fairly easy dispute. I was very wrong. XXXX XXXX is fighting my dispute claiming it is a valid charge because they swiped my card. I expressly told Chase I was told it was for incidentals as most hotels ask for credit cards and that I never signed ANYTHING agreeing to those charges. I was very frustrated since it shows XXXX XXXX had charged me three weeks prior so I did n't understand how this was even an issue to debate. I submitted additional evidence such as my emails with my travel agents confirming the vacation package, charge on my husband 's XXXX account, articles showing XXXX XXXX is in dire financial straits, and XXXX reviews showing others have also been double charged. Even with all this additional evidence, Chase ruled against me and said it was a valid charge simply because of the card swipe. I am now trying to dispute the earlier charge which is the lesser amount, but I have little to no hope of that resolving. Please help me.
I 've been trying to resolve the multiple negative accounts on my credit report. The Credit Bureau Transunion is neglecting to verify the accounts properly and i feel that my FCRA rights have been violated because I was denied copies of documents that were supposedly used to validate the accounts that were disputed on my credit report. 
On XX/XX/XXXX I sent in a letter asking for them to provide me with an original documentation and who and how was this information verified. 
on XX/XX/XXXX I sent a second request asking them to re-investigate the disputed items on my report and to provide me with original documentation, who and how was this information verified. 
on XX/XX/XXXX I sent a third request asking for them to again re-investigate the disputed items on my report. In the letter i again asked for them to provide me with the original documentation, who and how was this information verified. 

Attached will be the fist, second and third letter that i sent to transunion. I also will attached the receipt from the postal service as well for the first letter.
I called in to TransUnion XXXX on XXXX/XXXX/XXXX to request XXXX credit inquiries to be removed from my credit report due to a glitch in their system during the months of XXXX XXXX and XXXX thru XXXX of XXXX. I explained to the customer service rep as well as the supervisor during the phone call, that I am also aware of the law that requires the credit reporting agency to notify the consumer after they add previously deleted information to my credit report. As of today XXXX/XXXX/XXXX TransUnion XXXX has failed to remove my inquiries.
Obtained a boat loan from XXXX. During the course of the loan, Mariner Finance bought the loan. Paid off the loan in full over a year ago. Mariner finance refuses to give us the title to the boat and claims that XXXX never gave it to them. We are owed the title upon payment. I am XXXX military and I am unable to do anything with the boat ( to include sell or move it ) without the title. This has been ongoing for more than a year.
This company placed a collection on my credit report for a debt that is not mine nor did I have any knowledge about. I have NEVER received anything in writing or calls from XXXX XXXX. I have NEVER received anything in writing from Fair Collections and out however I have been receiving phone calls at all hours ( before XXXX XXXX and after XXXX XXXX at night ) from this company. FCO failed to identify as a debt collector when leaving voicemails on my telephone and uses strong arm tactics in order to try to collect a debt I don't owe. 

FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX REG : XXXX XXXX   Account : XXXX ; Dated : XX/XX/2018 ; Amount : {$7500.00} I was released from a lease with Invitation Homes back in XX/XX/2018 due to having a XXXX  XXXX Injunction against the main leaseholder. I gave notice in XXXX, XXXX and XXXX to XXXX XXXX and they kept my security deposit as well. I was told I was released from the lease, court eviction and obligations with the home since it endangered my daughter and I. 
I even sent a video to XXXX XXXX in XXXX when I moved my things out displaying the damage the primary leaseholder did to walls, doors that was not my responsibility.
Nationstar Mortgage has acquired my mortgage from several other companies. I owe less than 78 % on the original contract price. They refuse to take the PMI off and want multiple paperwork and wish to " consider '' whether they need to have an appraisal done. 
Nationstar apparently operates through a call center and hours have been spent on the telephone requesting help. 
Nationstar has been notified that they must send all official document notices by U.S. mail, not by E-mail. They have ignored this and will not comply. 
Service representatives will not identify themselves. 
Property is under XXXX XXXX located at XXXX XXXX XXXX, XXXX, GA XXXX.
The Complaint that I have is with MIDLAND FUNDING LLC. Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with MIDLAND FUNDING LLC. I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.
I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied XXXX in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX  and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to  reinsert from this point forward.
To whom it may concern- Starting in XX/XX/2017, I've been having difficulties with my now former financial institution, Wells Fargo . They assigned me a new bank account that I did not authorize, and withdrew funds when my account balance was low. They sent me a new debit card that I did not want. I also have asked for my personal line of credit balance and they gave me the wrong amount owed. They have not sent me the personal line of credit statements that I requested. 

Please resolve this as quickly as possible. Thank you. Sincerely yours-
In mid XXXX my daughters debit card was stolen there were several transactions made. We spoke with 's and was told that they would investigate. She was told that they were canceling her acct. After a few weeks a negative balance showed on that acct in the amount of XXXX. I have XXXX other checking accounts and they were all attached. On XXXX/XXXX/XXXX I noticed XXXX} taken from XXXX of my other act 's. And that same amount was pending on my daughters account I called and spoke with several people. XXXX @ XXXX, XXXX @ XXXX and XXXX XXXX @ XXXX. I was told by XXXX that my daughters acct was closed and no transactions were allowed and that at XXXX XXXX. the funds would be added back to my active checking account ( please listen to recording ) the next morning XXXX/XXXX/XXXX the funds had gone thru and her account was now XXXX I began calling I spoke with XXXX @ XXXX ish, XXXX @ XXXX call was escalated and I spoke to XXXX @ XXXX then XXXX from lost prevention @ XXXX then supervisor XXXX @ XXXX the call dropped and I called back and spoke with XXXX. Everyone else that I spoke to was able to access my account with no problems. When I got XXXX in the line he informed me that ALL of my act 's had been frozen and there was nothing to be done. I then went into a branch where I was told the same thing and that this was policy and procedure. They took my money after a supervisor advised me that they would n't and would not listen to the call because they said they were following procedure.
I am applying for the Florida hardest hit program. I provided all required document and affidavits explaining my situation. My case was complicated because I use my paycheck to provide money to my XXXX kids and my mom. But now, the underwriters request for me to provide a letter from XXXX XXXX stating who has access to my mother 's account as I appear as a pod in it or a signed lox stating that some transactions in her account are part of my income. 
I contacted XXXX XXXX, they stated that they do n't provide such letters due to liability issues and for me to provide an letter of explanation stating that income in her account is mine would be lying. I already provided XXXX notarized affidavits explaining everything.
I asked over the phone and in writing for the lowest payment plan and was not provided with the information that would have forgiven my loans under the public service grant. I have worked in public service for four years and because this was not processed I need to wait to have the loans forgiven four additional years.
They pulled my credit score twice without my permission for an auto loan. 

XXXX XXXX was the bank that did this.
Company : Aargon Agency, Nevada Debt Collection In late XX/XX/XXXX, I had several thousand dollars of medical bills accrue due to an accident. It was time consuming and confusing to sort out what was owed and to whom various payments were to be made. 

One day in XX/XX/XXXX, I received a call on my mobile from the above company. ( I can not provide the date as I now have a different phone and phone number. ) Their representative demanded a commitment from me to pay a medical bill. 
I explained that I was at the grocery store, and if he would call me back in a couple of hours, I'd be back home, able to take down the necessary information, and verify that his firm was legitimate, so that arrangements could be made to pay. The representative became rude, told me that he would close my case and report the bill as uncollected. He then hung up on me. 

I didn't hear from him that evening, or from XXXX ever again, nor did I ever receive written notice from XXXX. 

I finally contacted the initial payee, XXXX XXXX directaly and paid the bill. Please see the bank screenshot of this transaction. 

Recently it has come to my attention that XXXX reported the bill on my credit report. 

I filed a dispute with the credit bureau, who contacted XXXX, who refused to act and clear the debt. 

Saturday, I contacted XXXX directly. The representative told me that they did not receive the money ( the original payee did ), so they had to wait for the payee to advise that the bill was paid. I explained that I'd filed a dispute months ago, and asked how long it took for resolution. XXXX told me that it was " my fault '' for paying the original payee rather than them. 

I explained that their initial contact with me was their only contact with me, that I had no way of knowing who they were, and that I'd paid the bill. 

Not only have they not removed the derogatory account on my credit report, but THE DAY THAT I CALLED, THEY BUMPED UP THE CHARGE ON MY ACCOUNT ON TRANSUNION, CAUSING A FURTHER DECREASE IN MY CREDIT SCORE. 

Please help me.
Robocall from company claiming to be the Weinberg group from an Arizona phone number. Threatened to notify authorities if I did not respond. I called the number and was told that it was not my debt but a family members. I stated that I have not had contact with them in years and to stop calling me.
Repeated and unwanted phone calls. I asked the name of the company & they refused to give it. Caller ID shows " T.C.S. '' XXXX. I was hung up on when I asked, I called back and another person refused to tell me who they ( company ) were. Internet search shows Thunderbird Collections XXXX in Arizona. These fools need a lesson in manners and phone etiquette. Once I stated to not call me, they used my name, referenced other family members and referenced me as being too stupid to understand. They apparently researched my phone number to know me, but continue to call for someone not living here.
On XXXX XXXX, 2016 I filled out a survey for XXXX to receive a free XXXX player. Once completed there was a {$2.00} shipping fee, which I paid using my Opt+ XXXX card. Within seconds I received a text for a charge from XXXX charging my card {$37.00}. I immediately called my bank to dispute the charge. I told the bank that I had taken a survey for XXXX and was only supposed to pay a {$2.00} shipping fee and apparently this XXXX company stole my card information. I told the bank I do not know this company and I did not order anything from them. No where on my receipt, that I printed out and sent to the bank, does it say anything about XXXX. It says the receipt is for an XXXX player. The bank then sent me back a bunch of XXXX that XXXX sent to them that I have never seen before. Even XXXX told them that I was filling out a survey for a free XXXX player, that I never ordered their product and that they never sent me anything. XXXX told me that they sent a chargeback to my bank however it was never put back into my account. Now granted {$37.00} is not going to make or break me, it 's the principle. Opt+ should be looking out for my best interest not XXXX XXXX. Again, I do not know this company, I never ordered anything from them, I never received anything from them and I want my money back.
I moved out of my apartment, cancelled my XXXX XXXX, and paid my XXXX bill in full in XX/XX/XXXX and then AGAIN in XXXX when they hit me with a {$20.00} charge for something. XXXX sold a {$71.00} collection account to diversified consultants in XX/XX/XXXX, a month after I paid my bill in full. No attempt to contact me about it, my bill online said {$0.00} was owed. I called XXXX sometime in XXXX. They apologized, told me the debt was incorrect, and they would get it off my credit report ( said they made a note of it in their system ). I called again yesterday XX/XX/XXXX. They told me to call the debt collection agency to get it off my report. Why would I call the debt collection agency?? XXXX sold them the debt, XXXX needs to give them their money back so they can take it off my report!