WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a private student loan with Citibank in XXXX in the amount of {$6400.00} to pay a balance owed on my student account. The loan was split into XXXX disbursements of {$1700.00}, {$1700.00} and {$3000.00}, each with their own loan fees totaling {$640.00}. The interest rate for {$3400.00} was 7.50 % and the other {$3000.00} was 8.00 % ( which increased this month to 7.75 % and 8.25 % respectively ) although my initial understanding of the one percentage rate. I XXXX in XXXX XXXX and I began repaying this loan in XXXX XXXX. Since then, I 've made monthly payments which at this point total {$4500.00} yet Citibank is claiming that I still have a balance of {$6500.00}. I have not any luck in getting Citibank to provide clarity as to how may payments are applied and how I 've managed to pay {$3300.00} in interest but only {$1100.00} in XXXX months nor how I owe {$6500.00} on a {$6400.00} loan.
On  XXXX   XXXX   XXXX  my credit report was pulled and In reviewing my report, I noticed the following error : Bank of America #  XXXX  This item is incorrect because The account has been in Charged Off status since  XXXX / XXXX / XXXX  ; And should be reported as such.     Also since the account was charged off the  24+  90 day lates which are reporting in the system is incorrect and should instead be 0 times 90 days.     On  XXXX   XXXX ,  XXXX  I called Bank of America and spoke with  XXXX  she transferred me to the credit analyst dept.  XXXX   XXXX . He said the account was charged off on  XXXX / XXXX / XXXX  and that they had not been reporting any 90+ day lates to the credit bureaus. I requested a letter from Bank of America stating this.     On  XXXX  I received a statement from Bank of America and it was a actual account statement from  XXXX   XXXX . Showing {$0.00} Balance.     I called Bank of America again today and spoke with  XXXX  who then transferred me to Charge off department  XXXX   XXXX  she she very mis informed and I ask to speak with a manager. She transferred me over to  XXXX   XXXX   XXXX . I went over my concerns that the account is showing a  Charge  off but still showing 90+ day lates. He said he would send a letter out to me. At this point I do n't have much confidence in Bank of America or their support staff.     I am hoping you can help me resolve and address this issue.
XXXX XXXX XXXX continues to call my place of employment after I have told them that I 'm not allowed to receive phone calls at work. They have also not sent any formal written communication regarding this debt. This company will also leave voicemails on my work phone stating my debt.
I contact XXXX customer service would not help and take care of the negative inquiries reporting on my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX  XX/XX/XXXX
I have been receiving phone calls from a payday loan that I do not recall taking out. They say it was drawn from SpotLoan in the amount of {$800.00}, and was given to me on XXXX 2013. They claim I never made one single payment with would not be the case if I had taken out a loan. Im confused because I have n't heard a thing until the last few days. I called SpotLoan and the representative could not even tell me what account it was deposited to. Its been sold to a third party collection whom has been extremely unprofessional ( XXXX ). I keep receiving calls threatening me. I work for XXXX and they went as far as to call my job ( XXXX XXXX ) department to report the debt. On top of the calls from the agency I get calls saying their is a civil complaint against me and garnishment will be sent to my employer. Seems suspicious in nature and high pressure collections. I also told the agency that I would have to look into this claim and she said NO EXCUSES!! I do n't want to hear them. She also wanted me to report my bank info so they could make payment arrangements. I do n't even know this persons name, it was not provided to me. I refuse to be intimidated and harassed in this manner.
Title Max will not give me any statements or receipts for payments made on the loan or how they accrue interest for payments. It seems I am never paid down. They lost my title and then placed a lien on the car when I demanded a full account summary and transaction statement. They are leaving me threatening voicemails to repossess my car and the balance is double what I borrowed after making payments for a year.
This is an apartment I did not ever reside at. I had a house at that time and did not live at this apartment at all. My house address was XXXX XXXX XXXX, XXXX, Texas.
On XX/XX/18 I contacted PRA -- Portfolio Recovery associates in XXXX, VA on their XXXX number to arrange payment of three settled credit card accounts my attorney had worked out with their attorney. I made payments for {$350.00}, {$370.00}, and {$600.00} to them by phone. 
The first payment of {$350.00} went through my XXXX XXXX XXXX account and subsequently showed as resolved on my credit profile at XXXX XXXX -- which improved my credit rating. The other two payments were confirmed by mail from PRA 's office in XXXX, CA showed up on my bank account and then disappeared. I have been unable to resolve this mixup ever since -- by email and phone and am repeatedly referred back to my attorney. 
I have emailed my attorney again as of today -- sicne I was told to pay the original amounts instead of the settle amounts. I think this is an ugly way to run a debt collection business. 
The agent son the phone said the payments must have bounced because of insufficient funds. This is XXXX XXXX. I had several hundred thousand dollars in that account at the time. One of 3 debits got processed. The other 2 didn't and they're blaming me for insufficient funds. I attempted to make full timely payments and they are refusing to cooperate in a reasonable manner.
USAA Reported a Account to the credit bureau stating an account was opened up on XX/XX/XXXX. This is a secured card I never opened with a balance of {$4900.00} I didnt open this card. The first time I called regarding this matter I was told the account would be removed. It never was. Then I contacted them more than 5 times. Most recently in XX/XX/XXXX. I provided all detail I could pricing I never opened the account. The account cant even be opened unless a person is a military spouse or military member. I am neither. I wasnt even living in the state where the card was mailed. Its fraudulent and USAA. Refused to help and constantly lies. They have never requested documents from me. I filed a police report and a complaint with FTC regarding fraud. When I call USAA you cant speak directly with the fraud department I have to always speak to a Customer Service Specialist and I have to repeat the same complaint over and over. They wont remove it from my credit report or dispute the transactions that were made by whoever opened the card.
XXXX/XXXX/2016 XXXX XXXX CST A voice message was left for me on a ref contact number asking for location information for me by a XXXX XXXX XXXX XXXX ext XXXX. I returned the call and spoke with her and asked why they were contacting a reference after I asked for a cease and desist. She reviewed the account and could see the request and advised me she needed to have me speak with a supervisor. I ask why would I need to speak with a supervisor, she replied to verify the cease and desist. I did not get the mgrs. name but when he came on the line he asked what he could help me with I asked did the rep not fill him in and he stated he wanted to know from me. I explained that I have requested a cease and desist and wanted to know why they were calling a ref. He stated he did not see that request and I asked how if the rep stated she did? He said he only seen where I asked for no calls and so I asked then why are you calling a reference number? He stated he would place the account in a cease and desist status. The manager was slightly rude and I could tell he was eating which was gross and very unprofessional
I filed a complaint previously ( XXXX ) about serious concerns and practices of Seterus including threatening to take funds out of my bank account without authorization. The response did not address those serious matters and the author of the letter, XXXX XXXX XXXX said she would send response to those issues. I never heard back from XXXX XXXX and was informed later she is no longer employed by Seterus. Those concerns in the original complaint have never been addressed. I applied for modification/forbearance back in XXXX 2015 and never received any notification of the status although I called to follow up many times over the past six months. I was always told it was in review. 
I spoke with representative XXXX XXXX on XXXX/XXXX/15 who represented herself as part of Seterus management and claimed to be personally working on my case. She assured me that the forbearance application was received and complete and she would personally see why I have n't received a response and would also forward the XXXX page response by Seterus sent to CFPB to answer my other concerns about what was not addressed in my letter. I received a extremely harassing call from XXXX XXXX on XXXX/XXXX/15 demanding to know ( 1 ) if I had an attorney and ( 2 ) if I ever told anyone I was self employed. I requested the conversation be recorded and questioned why he was calling asking me those questions. He repeatedly aggressively said ... " so you are refusing to answer my questions '' every time I asked why was he asking those questions. I informed him that I had spoken with XXXX XXXX in management and she was handling my case and requested to speak with her. He told me XXXX XXXX was " a nobody '' and had only been working there for two months and he had been there for a year and they both have the same position. I received a letter the next day ( although dated XXXX/XXXX/15 ) demanding payment of all past payments in less than 30 days from receipt of the letter. XXXX XXXX never mentioned there was Intent to Foreclose letter already processed and I should have received/be expecting it. I have since spoken to another representative to determine what do I need to complete the modification package and was told social security award letter and profit/loss statement ( letter of explanation ) which I sent. I have not heard anything from Seterus or acknowledgement of receipt of documents. I never received any written or verbal notification about the status of request for mortgage assistance programs. I have a made payment during this period, but unable to pay the entire amount and the date expires on Tuesday. I need help!!!
I started a savings account on XX/XX/XXXX at KeyBank located at XXXX XXXX XXXX in XXXX, Maine XXXX. I deposited a {$15000.00} check drawn off another KeyBank account as the starting deposit on XX/XX/XXXX. I asked the clerk to verify funds were available from the deposited check and was assured the funds were available. When the new account was set up I was told only {$100.00} would be available for the 1st day and the remainder would be available the next business day. Today is 6 days later XX/XX/XXXX. I just left KeyBank only to be told my money is not available. The bank told me funds are on hold for 5 business days now. I only need {$2000.00} today and if I do not have funds to make my payment I am charged a {$99.00} late fee from my mortgage company and my payment is considered late. KeyBank made no consideration for this and continued to refuse to allow me access to my funds. I am very upset about this and would like some answers about this. This is a large bank holding my dollars and lets face it they make their money off loaning funds and charging interest. I feel they are holding my funds in a attempt to profit while I suffer the late fees due to them taking my funds hostage. I am requesting the Federal Reserve and FDIC as well as the CFPB audit KeyBank and their suspicious activities. After XXXX XXXX and others we need to police our banks to insure citizens can have trust in the banking system. I have reviewed other complaints on this bank and feel they may be in violation of overstating their deposits thus allowing this bank to extract more funds from the Federal Reserve by means of Fraud.
I AM REQUESTING THE REMOVAL OF MY SECURITY FREEZE FROM MY CREDIT REPORT. THIS IS MY THIRD REQUEST TO HAVE MY ACCOUNT UPDATED PROPERLY. THERE IS AN ACCOUNT ON FILE FROM XXXX   XXXX XXXX. ( XXXX ) NOT SURE HOW THEY GOT THIS ACCOUNT IN THEIR OFFICE IT OBVIOUSLY WAS NEVER VERIFIED BECAUSE THEY WOULD HAVE SEEN IT WAS A FRAUD COMPLAINT ALREADY FILED AGAINST THE ACCOUNTS. PLEASE DELETE BOTH XXXX # XXXX, # XXXX. I have attached a copy of my current and only address from the DMV print out as PROOF of my ID and address. I am addressing this issue to all 3 credit Bureaus.
Equifax is still reporting an account ( XXXX ) on my credit report. XXXX however has removed it as had reached the date for it to be removed from my credit report. I have contact equifax to please send me an updated report and they will not send me one. I also tried to dispute this account online through equifax website and was not able to do so. This account ( XXXX ) is suppose to be removed from my report. Having this still reporting is affecting my credit report.
Account showed up on my credit report. Was not notified via mail or phone about the debt, amount owed or the original creditor. Thus, not given the chance to request validation.
due date of the credit card is XX/XX/XXXX. I called over the phone XX/XX/XXXX and do an auto pay through my spouse account, the rep spoke to both me and my spouse and finish the auto payment, It was all set and we hang up. We were surprise when we tried to use the card to pay a restaurant bill that it got declined, we called the citi bank why our transaction got declined, the said coz we have a late fee.

I was shock to know and i told them we did set up an auto pay, they said we did not. No one from their end informed us back that our auto pay did not push thru, we have to know it when we finish eating and not be able to pay for our lunch. 
So again i have to set up and new auto pay that day XX/XX/XXXX,  after getting all the infos and a long wait, this time they acknowledge that yes, its not allowing them to set up auto pay through phone. The rep said i have to go online and register ( which i did ) and to call 2 days after tp have the fee waived.

I called today to just be rebuked blatantly. They cant do anything to waived the late fee.

{$25.00} is a very minimal amt for me to be going through all this ... but i will bacause this is unfair.

we did our part setting up for auto pay via one of their reps before the due date. They fail to notify us before the due date that it did not push through. They dont even acknowlegde it that they have failure on their part- thats what it makes more soooooo frustrating!
I have been filing complaints with XXXX for almost two and a half years now Ombudsman group mandated that they remove all payment history prior to XXXX XXXX XXXX to XXXX due to my bankruptcy Chapter XXXX they still have not remove payment histories from the accounting XXXX when I call two weeks ago they stated they see the ongoing problem but somebody has dropped the ball and that 's why it 's still not rectified they stated that they would contact me back within 7 days at which point the proper department will take care of this again and it still has not been done so payment histories from a closed account is still showing up negative on my credit bureau as well as the fact that they have it looking as if there 's five different student loans on my credit report when he won in XXXX was discharged and was requested to be removed and the ones from XXXX were Consolidated and they refused to fix this as well so it in case I have 5 student loans when I do n't
American Credit Acceptance loan number XXXX has cheated and committed fraud in the way they handled my car financing. I did a voluntary surrender of vehicle XXXX XXXX XXXX financed by them at {$7000.00} at 24 per cent interest rate. I paid {$2000.00} cash down payment. 

XXXX XXXX XXXX received the car back on XXXX XXXX, XXXX. The sold the car at an Auction for {$2000.00} selling the car for less the XXXX XXXX XXXX XXXX XXXX of {$6000.00}. Now they state I owe them an additional {$5000.00}. 

American Credit Acceptance stated they were going to give me a credit of {$1000.00} because the used car dealer XXXX XXXX XXXX tried to overcharge me for the car in the beginning of the transaction. 

I never received the {$1000.00} credit American Credit Acceptance stated was coming off the price of the car. 

American Credit Acceptance has Committed Criminal Fraud in the way they have handled my Loan. 

They are trying to make Double what the car was actually worth. I Lost {$2000.00}, I lost the car, and my Credit ScorXXXX went from XXXX down to XXXX. American Credit Acceptance should not be in business. 

I want an Investigation into the way they Handled My Loan and Also I want them Deleted Off My Credit Report. 

Waiting for your reply. 

XXXX XXXX XXXX
this is my second inquiry. I have been with us bank many years. I want the XXXX credited to my account permanently. I had no hot water in the hotel room and will not pay it. I have called XXXX etc. to get it off and report hotel. I am not accepting that it may be billed back to me. please credit the account. any other bank would have already
There is a " XXXX XXXX '' who repeatedly called me over a 24 hour period when I told him not to. He then called my former employer and threatened that he had to speak to me over a legal issue and that they needed to provide my information including when I had worked there. I called him after they told me he was harassing them and told him to call me directly and not to contact them, and he in turn continued to contact them and sent them a letter asking about my employment there. He continues to contact them and harass them at their place of business after they told him I do not work there anymore. 

His number that he left is XXXX. You can contact me at anytime to confirm the information.
I have contacted this company in writing 6 times. Twice its been corrected and as is today it has been changed again. This is a direct violation of protections under bankruptcy which has been discharged. Im furious. They keep changing the status to charged off and making sure that the information marks as derogatory. The ONLY acceptable reporting is closed and paid per the law.
Borrowers mortgage loan is delinquent. They received a Notice  of Default and Intent to   Accelerate on  XXXX   XXXX ,  2017 . The letter referenced a Loss Mitigation  Specialist available to provide additional information. Borrowers called that day and were on hold for over half an hour. This is not the first experience where they were unable to speak to a Bayview representative. Borrowers have previously been on long holds, calls not answered, or disconnected. Borrowers also dispute Bayview 's accounting to cure the default. Borrowers have conducted their own accounting of amount due to cure the default. The borrowers ' accounting is a lot lower than the amounts stated by Bayview  on  XXXX   XXXX ,  XXXX , and  XXXX  ( all written stated amounts are different ).
On XXXX XXXX, 2017, I initiated a wire transfer with a Bank of America branch in XXXX MA. The amount to be transferred was to be XXXX XXXX Yuan sent from an American checking account in American dollars. It was indicated to use that the exchange rate to be used would be somewhere between XXXX to XXXX yuan for every dollar. This was close to the exchange rate shown online at the time and similar to the exchange available from XXXX. We thought this was fair and conducted the transfer. We expected not much more than {$12000.00} to be withdrawn from the checking account to fund the transfer. Upon receipt of a monthly statement we realized that {$12000.00} was with drawn. Bank of America indicated to us that they used an exchange rate of XXXX. This exchange rate was no where near the published exchange rate online or the exchange rate used by Bank of America. If we had known that Bank of America was going to use this anomalous exchange rate, we would have used another company. We do not know if this is a normal mode of operation for Bank of America, but it seems very inappropriate. I am a XXXX XXXX and I do not know if they regularly give misleading information about the exchange rates that they will use to foreign customers. I went in person to the Bank of America branch where this transaction was conducted and they told us to call the foreign exchange center. I called the center to voice the complaint and they indicated that the money would be refunded. Unfortunately, so far they have only refunded XXXX. The difference between the rate we believed we would be paying and the rate that was used, should mean that Bank of America should refund us at least {$590.00}. We would like for Bank of America to at least credit this additional XXXX. The issue of anomalous exchange rates being charged by Bank of America should also be examined so that this does not happen to other people. Thank you.
U.S. Bank Home Mortgage incorrectly reported the status of a Foreclosure filed against me. I have written numerous letters asking them to correct the status. The foreclosure was " REDEEMED '' on the day of the foreclosure auction. Therefore the status of the foreclosure on credit reports from Credit Reporting Agencies should be " Redeemed, XXXX XXXX 2015 ''. Under the Case Law my attorney has reviewed, since the bid at foreclosure of XXXX was for the entire amount U.S. Bank Home Mortgage claimed to be owed based on the terms of the mortgage and U.S. Bank was made whole we do not believe that U.S. Bank legally had the right to even report the foreclosure, since they suffered no financial loss, which is the purpose of negative information on consumer credit reports, to show when an individual financially damaged a reporting entity, not to punish a consumer who has through what ever means legally available to the consumer to make the financial institute financially whole.
I never opened an account with LVNV or XXXX. In XXXX of 2016, My parents forwarded me a letter that was sent to their house at a XXXX address. After reviewing my credit report, it appears there is a company called XXXX XXXX , XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX w/phone number XXXX. I have since mailed a letter to XXXX XXXX to ask them to provide correct information. I want to know how they are allowed to collect on this alleged debt, who owns this debt, and if to understand what legal precedence thy have to contact me. If in fact they can prove they own the debt. I 've heard of companies collecting on debts they do n't owe and I 'm trying to do the right thing and get all of this misinformation cleared up.
I have been disputing fraud activity on my report and I am having a hard time getting them removed. I have sent in all information needed as far as a police report and all my proof of identity. I have paid off all of my debt and should not have anything negative reporting at all due a home loan to pay off everything in 2013.
Walmart rejected a credit application several months ago. I received a prequalified certificate in the mail in XXXX. I called on XXXX XXXX and asked would an additional credit report be ran and the representative said no. Based on that answer I accepted the offer. 

The application was again rejected and an inquiry was made to reduce my score.