WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a Brooks Brothers credit card for a number of years. They recently switched card servicers from XXXX to Citi. I was leaving for XXXX on XXXX XXXX, 2015. I called Customer Service on XXXX XXXX to find out if there are are foreign currency transaction fees associated with the account. I was informed by the gentleman on the phone that there were none. I then told him to put a notation on my account to the effect that I 'll be using the card in XXXX for the next 4 days and it is not a fraudulent use. When I came back on Tuesday, XXXX XXXX there was voicemail on my home phone telling me to call Citi customer service or my charges would be denied. I called them despite that it was close to XXXX. The saga does n't end there. Upon checking my charges I found out that they are charging me 3 % for each foreign transaction. I called Customer service and explained but they referred me to the Card member agreement that lists foreign currency fees will be accessed against the account. 

1 ) Citi never sent me an updated card member agreement and it is not available online under my account. 
2 ) Citi provided me incorrect information when I called specifically to check if there were any foreign currency fees associated with the card. That was BEFORE I used the card overseas. 
3 ) Citi continued to try and reach me at my home number despite my call BEFORE leaving overseas and that I will be using the card overseas. 

Citi has refused to refund me the foreign currency transaction fees associated with my card.
Beginning XXXX I pulled my credit reports and found a collection I didn't know about. 
On XX/XX/XXXX, I sent a certified letter to GLA Collection Company asking for debt validation. No response was made to letter. 
On XX/XX/XXXX, I received a bill of {$260.00} from GLA which did not match credit reports listed {$220.00}. Amounts owed did not match. 
On XX/XX/XXXX I sent another debt validation letter to GLA. 
No XXXX to letter. 
On XX/XX/XXXX, I sent another debt validation letter to GLA. 
On XX/XX/XXXX, I received an itemized bill. 
On XX/XX/XXXX, I sent another debt validation letter as this collection could not be verified with XXXX or XXXX it was deleted. XXXX still reports the {$220.00} owed. Amounts do not match and the company does not validate the debt.
To whom this may concern, This is a follow-up to my previous letter sent to Experian on XXXX XXXX, 2016, which to date has not yielded a response. 

I am writing today because the address information on my credit report in inaccurate and this is causing me substantial headache when managing accounts at financial companies. 

Please update my address to : XXXX XXXX XXXX, XXXX XXXX, California, XXXX. I have been living at this address for over 4 years. 

Further, to avoid confusion with banks, please remove any other addresses or mark them as " former addresses '' if possible. 

Attached is the necessary identification, pursuant to XXXX XXXX XXXX XXXX, that establish proof that this account is mine and that the request for modification on my credit report is true and accurate.
Used a phone at a CVS on XXXX and XXXX XXXX, XXXX XXXX, CA and it did n't work after XXXX times of trying. XXXX I put in all the info and was waiting to be transferred to a representative it would discount. I went to another location ( XXXX XXXX ) which was a few doors down from the CVS. The manager of the store said he could n't do it with the paperwork because he had already closed it even though the store was still open but told me I could use a Kiosk that XXXX had set up there XXXX XXXX XXXX. I told him I would need to ask XXXX a question before starting and he informed me there was a phone there at the kiosk that he was told worked XXXX. It did not. It had a recording that said Monday through Friday and I do n't remember the hours. At any rate, I was there on a Saturday evening ( XXXX XXXX, 2015 ). I used the kiosk, put in the money and waited for the opportunity to put in a security question as the receiver did n't have ID. It did n't give me the option of putting in a security question put took my money. It took me over three hours from starting at a few minutes before XXXX XXXX at the CVS and then phone call after phone call to remedy the problem until after XXXX which put it into XXXX XXXX, 2015 ( California time ). When I called XXXX and explained the situation and that if their phone was not available with a representative at the kiosk XXXX and no instructions on the machine especially indicating that if the receiver did not have ID you could not use the machine as it would not let you put in a security questions it took several hours and supervisors, etc. and continually calling back before a kind female representative listened to what was going on and said she would put the security question in. As you can see on the paperwork attached it was only a matter of my giving them all the information from the receipt with the Reference number for them to put the security question in so the receiver could get the money. I was continually told, even by supervisors they could n't do anything because I used the kiosk. THEN THE KOSK SHOUILD HAVE INSTRUCTIONS AS TO WHAT IT CAN OR CAN NOT DO BEFORE A SENDER USES IT. And if not, then it is the responsibility of XXXX to make it right. If the rep I spoke to did n't finally take care of it for me so my son could get his money ( a day late and he needed it for food since he wallet was stolen ) I would have been out the {$25.00} and then had to send again a day later more money to my son. THIS IS NOT RIGHT!!! Their phones should be continually checked so that they are always working and the kiosk should have instructions before a sender uses it.
I purchased my home with veterans home loan XXXX XXXX at 6.7 % for XXXX. XXXX XXXX and XXXX XXXX XXXX handed it over to Seterus formerly known as XXXX XXXX. I began having trouble keeping up and went through the forebearance process. My last timely payment was at some time in XXXX. I requested a modification in XXXX. It was granted and I was paying on time XXXX at 6.7 %. XXXX months later Seterus Mortgage increased my monthly payments to XXXX per month. I could not afford to continue payments. Since XXXX XXXX I have been trying to get a modification loan at a lower rate.
XXXX  has been non-compliant with removing the unverified account OMNI FINANCIAL which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that OMNI FINANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
XXXX client, XXXX XXXX is a victim of identity theft. She received an attempt to collect a debt related to this account established with XXXX XXXX in XXXX ; her information was used without her consent to establish this account. XXXX XXXX was cpontacted via phone and was told this account was fraudulent XX/XX/XXXX, a current reported amount of the account is {$6500.00} dollars was and still is being reported to XXXX XXXX XXXX XXXX credit bureaus. A police report was made concerning this account and that information was mailed certified with return receipt XX/XX/XXXX ( tracking number XXXX XXXX XXXX XXXX XXXX ) to the address listed on the credit reports for XXXX XXXX. This dispuite was received by XXXX XXXX XX/XX/XXXX at XXXX. My client received via mail, dated XX/XX/XXXX a XXXX XXXX affidavit, asking for the previously received and signed for FTC affidavit, police report and PII again as well as the XXXX XXXX   affidavit. This is a violation of the FCRA. Once the account was known fraudulent via the phone call XXXX XXXX had an obligation to send that affidavit and request for information to my client and they failed to do so. Now after the dispute information is received they are asking for an additional affidavit to be completed BEFORE they will conduct an investigation. THe request from XXXX XXXX has been honored and the request dispute information has been mailed again however ; under FCRA sec 611 ( a ) ( 1 ) ( 2 ) ;  XXXX XXXX already received the dispute information XX/XX/XXXX and so far the item of the account and collection have not been removed from the credit reports, this action is a violation of FCRA.
XXXX XXXX from the office of the president for Barclaycard did reach out to me. However, she had left a voicemail and ever since then we have been playing phone tag. She also has n't paid attention to my request that I left in my voicemails. Because of my work schedule and the time zone difference, I had requested that she call me before XXXX. To me, that 's a small thing to ask. 
After each voicemail I left her, I ended up having to repeat myself as to what times would be best to contact me, and I had to leave a voicemail quickly as I was using my break time to respond to her. 
In my 2nd voicemail I left her I requested if we could communicate through email and I even provided her my email address. She responded to my email with a generic, robot-like response, only repeating what her office hours were and not at all like there was a human on the other end of that email. 
I have since again, left her a 3rd voicemail!, requesting her to either let me know if she could take care of my request which is to have my online account closed! That 's all I 'm asking for! I even told her to please pull the information regarding the communication via secure email that I sent to have it closed. XXXX reps told me that it had to stay open for 7 years and another said for 6 months. I have had multiple banks and all of them allowed me to easily close my online account. Why is barclay being SO DIFFICULT!! I do n't need anything regarding my online account services and wish to have it closed for my protection!! 
That 's all I 'm asking and it should n't be this difficult to get a response as to whether or not this can be done. XXXX XXXX shoud n't have had any problems figuring out what my issue was as I plainly listed it in my initial complaint. I 'm filing another complaint because of the way communication is being handled, the fact that she has n't bothered to really " listen '' to my voicemails, the fact that the email address she wrote me from was n't a direct email address to her and went directly to the call center email department and she did n't say that AT ALL in the email she sent. 
I 've just had enough. All I 'm asking for is to have my online account closed and I 'm not taking anymore time out of my work day to return her calls since she ca n't respect the time that I have available to talk.
I believe that someone's information has been included with my credit report as the address on my credit report has my current address and someone's address listed as in XXXX XXXX, Hawaii. My wife nor myself has ever lived in Hawaii. It has been years since I have been late with a payment on credit card or loans and yet my credit score is low. I believe this is a result of someone else has information listed on my report. I have tried to notify Experian and yet this has not changed. I would appreciate you help to resolve this issue. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX
This collection agency told my husband, who is not on the credit card and did not have anything to do with it, all of the information about the credit card and what I owed and threatened him with being involved if I did n't pay. They wo n't tell us who they are, the name of the firm or anything. They leave threatening calls at my home and work. They have called my XXXX year old parents and my daughter in California. They call every fifteen minutes. I have tried repeatedly to call the number they leave when I can get to a place to have privacy ( XXXX ) and I 'm left on hold over and over again for outrageous times. I have the cell phone records to prove I 've been trying to reach them. Last night I was on hold for 3 hours and 37 minutes before I finally went to bed. I do n't know if this is a scam. I do owe for a credit card but without knowing who they are - I 'm not giving them my financial information. Yesterday the man calling my work phone threatened to find me in person if I did not call them. That is why I sat online over 3 hours last night trying to reach them. Please help. I do n't know what to do.
EXTENSIVE WAIT TIMES TO GET A HOLD OFF MY ACCOUNT. THERE WAS NO EMAIL OR PHONE NOTICE OF HOLD ... ONLY FOUND OUT WHEN TRYING TO ACCESS MY FUNDS. 20 MINUTE, 24 MINUTE, 34 MINUTE WAIT TO GET TO THE RIGHT PERSON. THEY CLAIM TO HAVE INSUFFICIENT STAFF TO HANDLE CALLS ... S O WE DO NOT GET THE SERVICE WE ARE PAYING FOR.
I am a former student of XXXX XXXX XXXX XXXX XXXX. I graduated in XXXX of 2016. A few months ago I check my credit report with XXXX and saw a late payment added to my report by XXXX. The total for that loan was {$120.00} broken down into increments of {$39.00} per month. I was shocked, to say the least because I was not aware of any student loans that I did not have an account and payment plan already set up. I contacted XXXX knowing this must be a mistake. I was transferred to the student account headquarters in XXXX where I spoke with a representative and her supervisor. They informed me that this was a federal loan that needed to be paid to XXXX. I questioned why I needed to pay them for a federal loan when I already am paying with a federal account setup and I was told I have no choice. They told me this payment needed to be made to XXXX XXXX XXXX XXXX, a third-party company that they use to collect payments. I questioned why I was not informed of any of this prior to the beginning of the payment term, no letters, no emails, yet late payments were reported to my credit. The representative apologized and mentioned that her supervisor said if I pay the amount in full and dispute the late payment through the credit bureau, then XXXX and XXXX XXXX XXXX XXXX would remove the late payments from my credit report. I have done exactly that, however, they refused to remove the late payments. I have contacted both organizations and they still can not explain why I was not informed of this loan payment 's expected date. They lied about their willingness to remove the late payment from my credit report after I paid in full. Throughout my communication with them, their representatives have sometimes been very rude and disrespectful. XXXX has proven to be a very dishonest organization. They were recently sued by the federal for XXXX XXXX dollars and they continue to be dishonest. Those late payments were the first ever on my credit. My credit score has dropped tremendously as a result and I am unable to do the necessary things to establish my life as a young professional.
BYL Sevices furnished derogatory information to XXXX XXXX and XXXX. BYL Services did so without notifying me 30 days prior to, or no later than 30 days after such furnishing. BYL Services violated a statue of the Fair Credit Reporting Act, section 623, subsection ( 7 ) ( A ).
Unvalidated debt reported to credit bureausAfter reviewing my credit report I saw DIVERSIFIED reported an alleged debt without ever making contact with me. They illegally reported unvalidated debt on my credit report. This is a violation of FCRA and FDCPA regulations. If this illegal entry is not removed from all three reports I will take legal action. I do not have an account number as I have had no contact with trident. I do know the balance of the alleged debt is listed on my report as {$40.00} with a date of XXXX 2015 as the date placed for collection. - XXXX
We attempted to get a VA mortgage from New Day XXXX and after 6 weeks they just were not a able to get their act together and move to the Processor. So we switched to XXXX XXXX. Now XXXX XXXX needs the VA Appraisal and New Day XXXX is refusing to release the Appraisal to XXXX XXXX and we may miss our closing date. New Day XXXX just is not responding to our requests.
The BMO Harris Bank auto loan department, loan approve person part of this fraud with my name and credit not following proper procedures application to review at the time I did not know the when I file the complain to attorney general state of Illinois. I discover this when I requested that XXXX XXXX, BMO Harris Bank mortgage loan originator, to send me an original copy of the good faith contract that my wife and I had signed but I have not received that yet. Instead, XXXX XXXX sent me the copy of the original auto loan paper work which was postmarked XX/XX/2012. It is from these auto loan documents that I learned about the fraud that was committed. In the Applicant 's Credit Statement section of the auto loan documents, they list my name, date of birth, social security number, and home phone number with XXXX XXXX XXXX 's home address, place of employment, salary, and business phone number. This was done without my knowledge and permission and is clearly fraudulent. The rest of the documents list my name with XXXX XXXX XXXX 's home address. I was also unaware that the car financing was switched from XXXX to BMO Harris Bank as most of the addresses for XXXX are changed out and BMO Harris Bank 's address is listed instead. 
Harris Bank auto Loan # XXXX In end my only complain about Harris Bank not following proper procedure for loan. I never work as developer and make over {$58000.00} that the lie.
I get calls daily from XXXX about my student loans. I tell them over and over. Im not working. I ask for holds until i get on my feet amd they wont help. Instead they keep reporting negative to my credit and its hurting me badly. How can I get a good job in my degree field if they wont allow a forbearance ( unlesd I pay money I dont have ) but keep hurting my credit
I 'm making on-time payments and I 'm in good standing but I 'm not receiving any type of credit score increase for making on-time payments
On XX/XX/2017 Equifax reported several accounts that were previously reported as a new account has been added to my report. Some of these accounts have been reporting on Equifax for over a year now. This has caused my credit score to drop. I have diligently worked to repair my credit, and I find this disheartening. I do n't find it a coincidence since I just disputed fraudulent inquires on my credit report. The following accounts have been listed as newly reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX loan took out XX/XX/XXXX. I have paid approximately 8000 on a XXXX loan and as of today XX/XX/XXXX my payoff is more than originally borrowed. Yes Ive  been late and deferred some payments however the interest rate and fees are obsurd and its either keep paying or return the vehicle at which point my credit will be worse and Ill have no way to work. Every done I lay goes straight to interest this should be against the law its no different than the check cashing businesses that were shut down in my state
This is a  XXXX   XXXX  loan that became delinquent  in  XX/XX/XXXX . A ccording to  XXXX   XXXX  guidelines a streamlined modification was suppo sed to have been given at the 90th day of delinquency   in  XX/XX/XXXX . I t never happened.     Notice was sent to mortgage company o n  XX/XX/XXXX  that they were supposed to give a streamlined   modification. They still are not offering the streamlined modification and foreclosure is scheduled for  XX/XX/XXXX
have complained to XXXX XXXX and filed a complaint with the XXXX 's office. This account was overcharged for usage and wireless internet access for over 9 months. Now XXXX XXXX is filing a write off on my account for XXXX when in fact they have overcharged me over XXXX dollars in the past two years. Per the XXXX 's office I will be filing a district magistrate request for hearing shortly to get my funds returned. This is reported on XXXX Equifax credit reports.
Interested charges appeared on card after submission of auto pay. Company only refunded {$20.00}, and refused to refund all the interests charges.
XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$600.00} I have never argued over that supposed debt item because there is no debt item. I have lived up to my agreement and nothing is owed by me. 

MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated X/X/2011 Monthly payments of {$850.00} were due on the XX/XX/XXXX ( XX/XX/XXXX ) of each month, and considered late on the XX/XX/XXXX ( XX/XX/XXXX ) of each month. 
First of all, the lease payments during my residency did not ever total a monthly amount of {$900.00} ( {$600.00} plus {$300.00} ). Again, as the original lease reads, the monthly rent was a flat {$850.00} ( see attached ) Section 9. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within thirty ( 30 ) days or at the end of the next rental month following receipt of notice, whichever is greater.
DOCUMENTS INCLUDED : Page one of the Original XXXX XXXX XXXX XX/XX/XXXX - Rental termination letter for XXXX XXXX XX/XX/XXXX - Rental payment/final payment for XXXX XXXX XX/XX/XXXX Rental payment for new residency at XXXX XXXX XX/XX/XXXX Rental payment for second month of new residency at XXXX XXXX I, as of yet, have not seen any valid proof of verification of this supposed debt. Nothing of what I have asked for in multiple certified letters has been furnished to me in any way. What I have seen displayed is YOUR willful refusal to provide proper verification as required by law. 

Where is YOUR proof of ACTUAL VERIFICATION of this supposed debt Item? 

Where is YOUR proof of ACTUAL VERIFICATION giving you the right to post this as a negative item to my credit report? 

Where is YOUR documentation! 
Since you have proven that you can not supply that proof, you must remove it from my report!
I have disputed these collections several times with Experian, XXXX and XXXX and they refuse to remove the accounts off of my credit report for the account numbers XXXX, XXXX, XXXX. I have advised all bureau 's that this hospital refused to use to XXXX medicaid provided to me by the state at the time of nmy XXXX and issued these medical bills through the employer I no longer worked for as i was too ill to work and terminated my employment. These medical bills were processed fradulently and I request that they are removed immediately. Medical covered for my XXXX medicaid provided by the state of florida can be verified through the state or as requested. I am requesting all late fees and all three account be removed.