WillisBack/dataset-financial-user-claim huggingface dataset:
Citibank closed my Sears credit card account without warning, and they sent no notice after closure. They allowed me to continue thinking that the account was open and available for use. When a purchase with my card was denied, I discovered the account was closed. According to customer service the account was closed for inactivity. Inactivity is a particularly poor reason to close an account that only works at a particular department store. How often must someone shop at Sears to keep their account active?
The problems : 1 ) Citibank issued a card with an expiration date, but did not honor it up until the expiry. 2 ) Citibank 's term  s of service ( " ToS '', as of  XXXX  ) did not define account dormancy, thus failing to inform clients on account usage.  3 ) Citibank  's ToS reserves the right to give no warning prior to account closure. While withholding a warning may be appropriate under some circumstances, it 's abusive to give no warning in the case of dormancy clos ures. 4 ) Citibank  did not give notice of the closure after the fact, and the ToS does not give Citibank the right to withhold that information.
There was a discover card was open in my name account number ending XXXX and I never applied for it and nor had the card in my pocket or anywhere and I called XXXX and open up a case and they were rude to me and I was upset that I had to change my number and they holding me responsible for XXXX bill that I never do and its still on my credit report ... and they closed my case and denied my request to reopen it ... .. and holding me responsible for this card that Im not interested in
I tried multiple times both on online chat and telephone calls with customer service, they still keep the account open and send me statement of fees. 

Account number is : XXXX
After i was unable to pay because of job loss and XXXX they sent in XXXX hard inquiries on my credit without my permission which resulted in my credit score and report being lowered.
My 2 mortgages were transferred to a different mortgage servicer and on both I was informed I was 3 payments behind & over {$8.00}, XXXX in escrow shortages. I am being made to pay p & I & 2 escrow accounts. Needless to say I have fallen behind and now they will not accept my payments. I do not want to lose my home nor the rental home I have which was part of my livelihood, now a liability, can you please help?
This Letter was sent the the XXXX XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Account # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on these accounts, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Terms as " {$0.00} Single Payment '' on XXXX and XXXX  2. You verified High Balance as "  {$2000.00} '', on all account beginning in XXXX, which is not correct 3.  You verified High Balance as " {$4400.00} '', on all account beginning in XXXX, which is not correct 4. You verified account status as " Transferred, closed '' 5. Date of Status hasn't been updated since XX/XX/XXXX on XXXX 6. Date of Status hasn't been updated since XX/XX/XXXX on XXXX 7. Actual Payment Amount is {$0.00} on XXXX and Experian 8. Actual Payment Amount is thousands of dollars off on all accounts on XXXX compared to High Credit 9. Account Status on Transunion and XXXX is " Collection '' not " Paid as Agreed '' 10. Account Status of " Collection '' starts onXX/XX/XXXX on XXXX, I was still in school. 

Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.
The loan company keep increasing my loan limits without informing me. I found out that my monthy increases when they increase the limit.
XXXX XXXX failed to cancel my policy when asked. Out of nowhere this debt is listed on my credit without any written notification. How can XXXX XXXX XXXX  report a collection on someone's credit when this is not a financed account?
While reviewing my XXXX Credit Report, I was reviewing credit " record of requests ''. Much to my surprise, Capital One - XXXX XXXX XXXX XXXX XXXX XXXX, Utah, XXXX, has apparently been recording hard inquiries on my credit to the tune of XXXX times since XXXX 2015. When bringing this to the attention of Capital One, one representative disconnected the call after 15 minutes of being on hold. After a second call, I got to a completely different call center where the individual was extremely rude, implied that I was wrong and said that they would n't do anything without the original copy being sent to them from XXXX. This is way too many inquiries, with XXXX of the XXXX happening within the last five months. I have not asked Capital One for information, nor do I want them to continue to inquire on my credit, or receive offers for their credit cards.
Hello. 

I am in a repayment plan with Navient for loans taken out for my daughter, starting in XX/XX/XXXX. 

I asked Navient to temporarily hold payments in XX/XX/XXXX. I was granted 6 months with no payment. I requested an additional 6 months with no payment and was denied. Also, my payment went up. 

I originally requested a reprieve based on loss of income. My wife lost her job. But for the previous year, she had been sick and it took a year for a diagnosis. She is still unemployed and na not be physically able to return to work - which has cut out income in half. 

What can I do to get rid of these loans or before a much power payment. I have tried on multiple occasions to negotiate with Navient to no avail. 

Thanks!
I have no written contract with this company and they refuse to send me documentation of any signed agreement between me XXXX XXXX XXXX , XXXX. of Nevada.
On XXXX XXXX 2016 I purchased a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. everything was good until l started to have warranty issues with the truck. I had it to the dealer 4 times for the same issue to try and get it corrected. XXXX XXXX XXXX was going to fill it under the lemon law as they could not find a solution to repair. They even took the truck to their Tech Center in  XXXX Michigan to have the engineers try to find a solution since they had ten more vehicles with the same issue being brought to dealers. I made payments even when they were working on it at first. During this time I had numerous conversations with XXXX Reps and I was told since they were going through the lemon law process that i did not have to make payments as I was not in possession of the vehicle the manufacture was in possession. It took 3 months for them to find a solution to the issues with the XXXX XXXX XXXX 's. When they told me i could get me truck back i accepted the vehicle and began to make payments like normal. I spoke with XXXX XXXX about the issue and they agreed the account should not show delinquent and in fact their own web site shows me as being current. I do not understand why this erroneous information is on my credit report. If XXXX XXXX XXXX can show on their site that i am current what is the problem with the credit report. I am at the point to getting a lawyer and get this straightened out. You would think that XXXX XXXX XXXX whether it be the manufacturer or their financial branch would be able to get an issue like this straight but that has not been the case. XXXX XXXX response to me was well this is XXXX XXXX XXXX we are not XXXX XXXX XXXX. But they share the same corporate hierarchy. the new CEO is over both divisions. My payments are XXXX and my balance is XXXX. My trucks VIN is XXXX account # XXXX
In reference to my XXXX XXXX XXXX CREDIT CARD. On XX/XX/2018 I contacted XXXX Customer Service because I noticed that my payment in the amount of {$1600.00} was applied to my old account which was compromised ( fraudulent charges that I found and disputed and has since been settled ). This payment was intended to pay the credit charges I made on the new account. Upon speaking with customer service at both XXXX and XXXX XXXX, I came to find that one of the fraudulent charges was posted to my new account and subsequently removed. The remaining balance on the account was {$890.00}. I directed XXXX 's customer service to use the {$1600.00} payment to pay the card in full and send me a check for the balance of {$700.00}, which they did. 
In looking at my next statement I noticed a posting indicating a sale on XX/XX/2018 for {$700.00} - the exact amount of the check that was mailed to me. I wasnt able to dispute this sale and I called to clarify on XX/XX/2018. I added all of my receipts since the last statement and my account is over by the amount of the check that was mailed to me. In essence, XXXX mailed me the overpaid balance but then posted it to my account as a sale. I was not refunded the overpaid balance. They manipulated my account, made an error and then charged me the amount that was owed to me. I called on XX/XX/2018 and on XX/XX/2018 to make a formal complaint and dispute the {$700.00} and the supervisor I spoke with said that I could pay my account minus the {$700.00} as my statement was due. I called again on XX/XX/18 and this has still not been rectified. To date, after numerous attempts to have this matter resolved, XXXX XXXX XXXX refuses to acknowledge that my account is inflated by {$700.00}. They insist that the charge of XXXX to my card is simply the way they reflected the remittance.
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX sent, via regular mail, without my signature required, a NOTICE OF INTENTION TO FILE A LAWSUIT pursuant to Civil Code Procedure 1033 ( b ) ( 2 ) in a Supreme Court for a debt of {$950.00} with a date of default of XXXX/XXXX/XXXX in correspondence under California Law. 

I called the company and only received voice recordings. On XXXX XXXX, XXXX, I spoke with a customer service representative from The Offices of XXXX & XXXX : I indicated I disputed a previous debt with the fraudulent creditor - Cash Central. The Office of Attorney General was contacted regarding this matter. 

On XXXX XXXX, XXXX, I requested written verification of this debt, which The Offices of XXXX & XXXX could not provide, and I indicated a previous dispute of this debt, fraudulent debt, and unfair debt collection practice - past the statute of limitations in the state of California, as they are operating under California Law, and past the statute of limitations for my state of Pennsylvania. The customer service representative refused to be of assistance, yelled at me, and attempted to dominate the conversation. 

No information that was correct could be provided to me verbally or in writing. I stated I am disputing this debt for the second time, and I am filing a consumer complaint with the California Attorney General. I completed this Attorney General Complaint and sent it to the Attorney General, as well as XXXX XXXX XXXX XXXX XXXX XXXX. They were also emailed about the dispute. 

I have written documentation of all the above information sent to this debt collection agency and Attorney General. This debt collector and creditor - Cash Central - need investigated for fraud and unfair debt collection practices. 

Investigation needed on both entities below regarding the above matter : Cash Central Represented By : The Offices of XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX
They constantly call saying I they are attempting to collect a debt from XXXX XXXX XXXX from 2011. They say I applied online and received the money into my checking account at XXXX. I have NEVER had an account at XXXX and I have NEVER applied for an online loan or received one. I have never received any letter or legal items and I ask them for a verification of debt they say they send it and I have NEVER received anything from them. They say I have 24hrs to return the call and pay before legal action is taken but I cant even get a proof of debt. AND ... They are very rude and constantly try to use threatening tactics to get my money but I know the laws, I know my rights and they are not getting a XXXX thing from me! They are SCAMMERS!
Debit card number was used fraudulently for a transaction of {$650.00} on XX/XX/2017 at XXXX, XXXX, NJ. The Debit card was in my possession during the incident. 

We realized funds were missing 6 months after the incident. 

Lodged a complaint with Bank of America ( BOA ) Fraud investigation team. First BOA promptly refunded the amount and started investigation. 2 months later, BOA deducted the credited amount claiming PIN was used in debit card transaction and hence, must have been done by cardholder or family member. There was no contact made with XXXX and no proof sent to us. 

We challenged the findings, even citing to verify XXXX CCTV and faxed all details from nearby BOA branch. Followed up with fraud investigation team, who confirmed they had all the details and can expect in our favor. However, after another 2 months of investigation, BOA came back with same " PIN was used '' reason and closed the case again without any refund. 

XXXX store, where fraud happened, didn't give the receipt as they said they have policy not to maintain records older than 3 months. However, online XXXX customer service retrieved the transaction bill. There were 2 money orders drawn - one for {$150.00} and other for {$500.00}. XXXX XXXX confirmed that both money orders were cashed out and can't be replaced.
Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$570000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 

I provided copies of my 20 different letters copy of my signature required service via XXXX and evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance within the allowed 30 days. 

" I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
On XX/XX/19, I received a voicemail regarding a debt owed before legally prosecuting me. I used the information provided to contact a XXXX from RMS. XXXX ask me if I was aware any debt owe which I thought was strange. If you have a debt there with my name on it, RMS should be able to provide the information. I am a Fraud Victim that's taken me over 2 years to follow up on fraudulent accounts so I am very careful and proactive with important issue as this one. Although I was on a short break, I verified my Date of Birth which I usually will not do. I told her I did not have very much time but insisted on placing me on hold. I could not wait any longer but told I do not owe any debt that requires RMS services. The call made me very uncomfortable because she was so vague. I formally disputed any of there clients debt since she did not provide the information. XXXX stated a letter was sent to me over 45 days ago which is incorrect. This is the first I've heard of RMS so I further researched on RMS, I found they will send notification under a different business then collect under RMS. This is done to exhaust the 30 days deadline to dispute the debt.

I do not believe RMS sent a letter to me 45 days ago and using this tactic as a form of Harassment. I did not receive any notification from RMS and never heard of them until XX/XX/19. 
I have no clue what the debt is nor do I know anything about RMS!
My client is XXXX XXXX and I have been working with her toward a loss mitigation resolution since XXXX 2014. We had an equator file open for her so the property was supposed to be in the marketing status - waiting for an offer. In XXXX an offer was received, the equator file had been closed out - without any notice to me or to the borrower. I reopened the equator file XXXX and had to email to ask when nationstar would send me some tasks. Over the next few weeks I submitted documents as requested. The BPO was supposedly ordered XXXX XXXX, but we were contacted for entrance to the property until XXXX XXXX. Again, all docs were in and all tasks were completed by XXXX XXXX per the first processor XXXX XXXX. The borrowers were served with the order to docket and preliminary loss mitigation affidavit in XXXX. I wrote to both Nationstar and the law firm representing them that the order to docket should not have been served as we were in the middle of applying for loss mitigation and not all options had been reviewed. I requested that the lender and the law firm make note that the final loss mitigation affidavit should not be served as we had a complete short sale application pending. We still have a complete loss mitigation application pending.
I have attended XXXX, XXXX University, XXXX and XXXX colleges since XX/XX/XXXX. I graduated in XX/XX/XXXX with a XXXX 's degree in XXXX XXXX. However, initially I was told through financial aid that i was not able to take more than XXXX XXXX because I did not qualify. After 7 long and tedious years, they told me i could have paid an extra {$500.00} a XXXX and taken XXXX classes instead of XXXX. With this new information, I complained to financial aid and my student coordinator ( which by the way this time i had already gone through about XXXX ). During this time I accrued not only an overwhelming amount of Federal loans because of these predatory practices however, I also had to take out private Genesis lending fans because federal loans covered nothing. Now here I am graduated, with XXXX Genesis loans that equal to about {$1400.00} in monthly payments alone!!! The only job offer I have received is a job that pays {$10.00} an hour from the state which obviously is a no brainer because there is no way to cover these loans on {$10.00} an hour. Please tell me what recourse is available to help me get out of this drowning debt.
Calls every day starting XXXX/XXXX/15, Sunday included. Leaves no message. When I XXXX the number, comments indicated Penn Credit. They have called:XX/XX/2015 XXXXXX/XX/2015 XXXXXX/XX/2015 XXXXXX/XX/2015 XXXXXX/XX/2015 XXXXI have no outstanding debts.
on XX/XX/19 received a letter from XXXX XXXX XXXX XXXX stating I owe {$1300.00}. They sent me a copy of the bill that does not belong to me and I have been fighting this for months. they say my account number is XXXX and sent the bill that belongs to XXXX XXXX this is not me please have credit bureau to remove
This company ( Choice Recovery ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$390.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
I had XXXX XXXX call me at home ( cold calls ) and offer insurance policies as I was not insured and I had been looking on the Federal Exchange. I asked specifically if they covered the doctors I was using as I am XXXX now and they said they " looked it up '' and answered absolutely YES. The insurance companies were from out of state. When I tried to tell this to Capital One the card I had charged the premiums to they said the companies submitted all their paperwork where I had signed up, although I never received anything from any of these companies. They told me not to use the policy for 30 days and directed me to a website to print up a temporary insurance card, nothing else. The card is refusing to credit me for the money I spent on these policies they blatantly lied about. I am XXXX and have no income. I believe they sold policies on fraudulent premises, lies. I have written several letters to Capital One explaining this to no avail. Capital One is siding with the insurance companies. I called and cancelled these policies within the required 30 day period which now the insurance companies are denying. I got no paperwork or confirmation numbers when I cancelled these policies which is what Capital One is asking for. Which is why I am guessing they did n't want me to file any claims for 30 days.
XXXX is doing hard inquiry on my credit and I did not authorize nor give them permission to view my reports and XXXX do not have an account with them for anything. When I call them to have them remove the inquiry and stop running my credit my number is blocked and I ca n't speak to any human nor get them on the phone. The first time it was XXXX XXXX, 2015 and the XXXX time was XXXX XXXX, 2015.
Trident Asset Management Is using unethical practices. 
XXXX they changed the open date from XXXX too XXXX on an account so that they could report past the statute of limitations. I have the supporting documentation for this and sent letters to both XXXX XXXX XXXX. XXXX of where they did this. Trident Asset Management Is also reporting XXXX collections from XXXX & XXXX as current accounts that are delinquent on my XXXX report taking my payments from 100 % to 60 %. A few months ago I sent letters to each credit bureau asking them to remove old accounts that expired their statue dates. The Bureau 's obliged and did so with the exception of Trident 's XXXX that fall under this complaint because they had a few months left. Hence XXXX they are now changing dates to get back at me and try to report longer. And they are also reporting collections accounts as original creditors and not as collections as they should be on my XXXX report. Actually the XXXX from XXXX should have expired anyway but they are still reporting it. I do not believe this an accident, How many mistakes can XXXX company make? I believe they are doing this as to spite me for asking the credit bureau 's to remove their accounts.