WillisBack/dataset-financial-user-claim huggingface dataset:
In or about XXXX 2016, I received a letter from Citibank requiring me to close my account by XXXX XXXX, 2016. I contacted Citibank to find out why but no one was able to provide me with a compelling reason so I had the account closed XX/XX/2016 to avoid monthly service charges for XXXX 2016 and stopped utilizing the account. Then I received a notice in XXXX 2016 from Citibank informing me that I was over drawn on my Checking Plus account for XXXX 2016. Checking Plus acts similar to a overdraft line of credit since this was a business account. I informed the bank that I had closed the account on or about XXXX XXXX, 2016 but they said they paid an ACH payment in XXXX 2016. I expalined my account was closed so how can I have an overdraft for a closed account? My understanding is that once an account is closed it is closed and if a check or ACH hits the account after it has been closed the Bank has to deny the request not apply it to overdraft account associated with the account and then charge me overdraft fee and interest! To resolve the situation I paid for the outstanding amount but I refuse to pay for any interst or overdraft fee since this was Citibank 's error to honor the payment not mine and hence I should not be charged any fees and/or interest. I have received numerous letters and calls demanding payment of the interest and I disputed the charges everytime informing them that this was their ( Citibank ) error not mine and am not responsible for any fee or interest payments. Please understand as of XXXX XXXX, 2016 their demand was for {$58.00} not a significant number but it is the principle that I am fighting for. Why should I be punished for their error? Should n't they be held accountable for not doing their job correctly. Once an account is closed it is closed and the bank does not have any authority to advance payment on my behalf without my knowledge and/or consent. Please note that this was a business account and I had been a customer for over a decade with Citibank.
My CITIBANK Checking Account is consistently showing systematic daily posting of debit card transactions in a descending order after they are pending for 3-5 business days. Transactions are re-ordered with the largest coming out first, then gradually the smaller ones last. This practice has been making it extremely difficult to balance my account and avoid overdraft fees. This happened before with XXXX XXXX XXXX. I asked XXXX supervisors in the customer service department, and they refused to answer my question as to why this pattern has taken place every day for at least the most recent 6 months of my transaction history. I suspect this practice has taken place since the inception of my checking account with CITIBANK. The bank also withholds my deposit funds for far too long.
I defaulted on several credit lines with XXXX XXXX. They have then sold my debt to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX, and not sure for the third one. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX. have not provided me with any correspondence that the debts were transferred to another co. nor has the buyers of the debt informed me of such transfer. Instead a representative from XXXX XXXX XXXX, XXXX. contacted me on XX/XX/XXXX stating that she worked for the Litigation dept. We immediately demanded that a verbal cease and desist be placed on the account, but the Rep. stated that she did not have to abide by such request and refused to accept. I was outraged and shocked being that no notice had been previously given and the fact that a written cease and desist was sent in XX/XX/XXXX to all my creditors. When the cease and desist was sent in XX/XX/XXXX, I verbally communicated with all my creditors and offered 30 % to settle my accounts. This money came from my 401K, as I had no other means of meeting my responsibility. Since then I have settled wit.h XX/XX/XXXX, XXXX 's,  XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and personal loans. I never refused to pay my debt, but due to my hardship i am working with limited funds.PortfolioRecovery Associates did not provide me with all correct and rightful legal notices and correspondences, and/or acknowledging my hardship or attempted to work with me since i never refused to pay but nearly wanted to negotiate a settlement. The have shown very little integrity in the process as they contacted me from a litigation dept. and would not honor a verbal cease. Lastly they have now hired the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to tactfully force and scare me to pay. Portfolio Recovery Associates simply has shown that they do not care about following a lawful process and are willing to cut corners and threatened people and if they dont get what they want they send you to an attorney 's office!!!
On XX/XX/2018 I mailed TransUnion a written request to be sent a complete, free copy of my credit report. My request was sent via USPS Certified Mail, Receipt # XXXX and was delivered on Tue, XX/XX/XXXX, XXXX XXXX My credit report request included clear copies of my State Drivers License, which is current and not expired, which also clearly lists my current XXXX XXXX mailing address that I requested my credit report be sent to, and a copy of my Social Security card, which has no expiration date, for identity and address verification. 
Also included in my request for my credit report were copies of my previously submitted CFPB consumer complaints against TransUnion that document my consistent and continued attempts to obtain my credit report, which continue to be ignored and denied by TransUnion. 
I am a Victim of Identity Theft, FTC Complaint # XXXX, and TransUnion is hindering my ability to monitor the information contained in my Credit Report by ignoring and denying my requests to receive my free Credit Report as requested, which is well within my rights as a Victim of Identity Theft.
I have called TransUnion as well as sent letters asking them to remove all unauthorized inquiry from my credit report. Which then they turn around and send a letter pretty much saying they wont remove them. Which I know by law that, that isnt true they have to remove any unauthorized inquiry.
I made a paid a merchant twice by accident from my PNC account. Because the merchant was due the money, ( since I was behind ), they denied my request for reimbursement. I then called the bank, knowing that I did not have enough finds to cover 2 payments, they put in several request for me to get my 2nd payment back. Each time I was advised it had been denied. So I opened a case with XXXX   about the merchant. Their findings was that the money was returned when I filed with PNC, asking for the money back. So where is my money?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. located at : XXXX XXXX XXXX, XXXX, NJ XXXX XXXX : XXXX has illegally put a hold ( writ ) on my savings and checking account. On XXXX XXXX, XXXX I made a {$15.00} purchase at a store and was told it was denied. I had plenty of money in my accounts, however after calling my credit union I was told there was a writ on my accounts, Everything was on hold and I could not access any money. 

I was told to call the law office above and did so. They claim I had a bill that was not paid nor had payments arrangements. Docket number is XXXX XXXX New Jersey XXXX. THe hold included my social security benefits, salary and all income. They ordered me to send 3 months statements to prove social security payments etc, which I immediately sent. I also informed them that I WAS on a payment plan for that account since XXXX and had to send them documents to prove that ( which I also did and are included here ). 

XXXX XXXX XXXX of the firm was somewhat helpful but her supervisor, XXXX was not. After realizing a mistake was made on their end, I asked for an immediate request to have my bank re-institute my account and remove the hold. THis was on a Friday afternoon. XXXX told me specifically " well it may be a priority of yours but it 's really not a priority of anyone else ''. I demanded a call back on Monday with a status. That never happened. In fact I have called him at least twice a day, along with legal attorney with me and he refuses to take my calls or to return the call. I called XXXX again and she said she " thought '' it was taken care of but not totally sure or how long it would take to fix it. 

I visited my credit union with documents to show I was not in non-compliance however they said they need a court document to remove the " writ '' hold. In the meantime I had to cancel a weekend trip due to not being able to get any money out of my account XXXX no gas for my car and no funds XXXX. I have had two automatic payment withdrawls from bill pays rejected, thus I will be charged {$25.00} for each of those returns. Without knowing when this hold will be released I run the risk of more charges that are not my fault. I have no other income in my household so this is a major major problem. 

The poor record keeping, harassing calls from this firm is unexcusable. They did not do their due diligence to ensure this was accurate before ensuing court charges and this writ. I am being damaged both financially and personally. Upon research, this company has repeated problems such as this. I need it fixed asap and payment for my damages which total {$500.00} XXXX cancelled weekend trip, fees on my account ).
I requested to have the XXXX XXXX Bank trade removed from all CRAs. 

XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
I have received no documentation with my signature that this is my account. Violates my rights under FCRA. Please remove this fraudulent trade from all CRAs.
Received debt collection letter that states I owe {$27000.00} with no documentation, when asked to produce they have not yet provided how I owe this amount.
In XXXX 2015, my wife and I closed on a house financed by Wells Fargo. Up to that time, our credit was over XXXX and qualified for a low PMI payment and interest rate. At the time of closing, we were informed that our credit had gone down, and that we would be required to pay higher interest and private mortgage insurance. I checked our credit score and it had n't dropped. I also asked Wells Fargo to look into why they arbitrarily lowered my score with their proprietary credit reporting software, just low enough ( XXXX ) to make us pay extra money for PMI and interest. They could n't explain it and had no answer but at the time we were locked into the loan so we had no choices or options. I believe this part of the overall activity that has been occurring at wells and wonder if your office can do anything or make suggestions on what we can do address this issue.
I was a loyal Kohl 's customer for over 8 years. I had a credit card which I paid in full each time I received a bill. I never carried a balance to the next month. I received a call on XX/XX/17 that my account was 60 days past due {$170.00} plus fees of {$64.00}. I never received a bill from them. I was devastated and paid by phone immediately. They assured me that they would get it taken off of my credit report if it was reported. A week or so later I got a letter stating that they investigated and there was nothing they could do. I never got a bill! I 'm not sure if it was a glitch in their system but I never received the bill. If I had, as history shows, I would have paid it immediately. I have since closed my account with them because I will not deal with a company that treats their customers this way!
I was a resident at XXXX XXXX XXXX XXXX apartment complex in XXXX, MO. When I moved out XX/XX/XXXX I paid all applicable fees ( rent and included utilities ) and had a {$0.00} balance. XX/XX/XXXX I received a collections notice from Fair Collections and Out stating I had a debt of {$140.00} due to XXXX XXXX. I immediately called and advised this was not my debt as my balance was paid when I vacated the property to the property manager XXXX XXXX. I also made a call to XXXX XXXX XXXX XXXX and spoke with XXXX as XXXX XXXX was no longer with the company, who advised I have a {$0.00} balance and the debt was an error. Since this I have not received any collections calls but this debt is still reporting incorrectly on my credit report. I spoke with the debt collector on XX/XX/XXXX and asked to send proof that this debt belongs to me and was advised they don't do that. They only have to verify with XXXX XXXX and if they say I owe it then that is what they go by but no one can send me any proof that this debt is factual.
I have corresponded with this 3rd party collection company about an alleged debt they claim I owe. I have asked them to send me something with my signature on it stating i have contracted with them and the original creditor. The company still continues to send me some statements which I did not ask for and continue to report on my credit. The customer service reps are very rude. The First Lady I spoke with XXXX on XX/XX/19 was rude and did not try and help me. I asked to speak to a supervisor XXXX on the same day and she was not helpful either. They do not follow the FDCPA or FCRA by law.
I purchased a car through Prestige Financial. A year after owning the vehicle the payments became too much for me. I sold the car to a family member. Before I sold the car I contacted the company and asked them if the new owner could assume the loan and title to the car. They assured me that the title of the car would be transferred and that I would become the co-signer and the buyer would be the primary loaner. Prestige Finanacial took the new buyers information and added them to my account but never transfered title or added them to the loan itself. They entered into a payment agreement with me and the new buyer while accepting payments from both of us. The new owner paid as agreed but because I did not continue my payments myself they repossed the car a week after recieving a XXXX $ payment from the new owner. After the repossesion they placed the loan amount on my credit report as well as the new buyers credit report. PrestigeFinancial misreprented themselves, they fraudelntly added the buyer to my account but did not add the buyer to the loan or transfer the title as promised. Since they did not do as promised the new buyer should not be on my account for they have no interest, and no contract with Prestige Financial. I ask that they stop reporting false information to the credit bureaus because the loan clearly states my name alone not the new owners. They illegally repossed the car after they entered into an agreementand accepted payments on the past due amount. They collected money from the new owner and pretended that the new owner was really on the loan.They accepted payments from the new owner and still repossessed the car. I have a copy of the loan and the new owner was never added. All monies that was collected from new owner should be returned to the new owner because they never had a contract with Prestige Financial and Prestige Financial fraudently purported as if they have a valid contract.
My husband and I mutually agreed that I would stay home and raise my daughter over the years. Now he has decided that he no longer wants to bear the burden and has cut us off financially and left us. He has always taken care of these matters and I have no idea how to proceed. I know that I have received notices but the strain has made me ill and I have been admitted to the hospital on a consistent bases - I am constantly fatigued and faint. Please, I am asking just for a short postponement of our foreclosure dates so I can short sale it, perhaps salvage some of my credit when I get on my feet. I can take care of myself and my daughter - I just need a little time. My realtor tells us she faxed everything to DiTech XX/XX/XXXX but we have never heard anything from them. Please help us.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2015 {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX  cra violation inaccurate information sent my police report what else do they want
While living in  XXXX   XXXX   XXXX ,  XXXX ,  XXXX  alarm company provided alarm service to my house in  XXXX . In  XXXX  of  XXXX  I notified them by phone that I sold my house. I asked if they provided service for  XXXX ,  XXXX  where my new house was located. They told me that they could provide this service.     I asked them to disconnect my alarm system so I could take the wall unit with me to  XXXX . A  XXXX  employee said they did n't have an employee to do this, since somebody was dismissed, or quit. Instead, someone talked me through disconnecting the wall unit for the alarm system.     After arriving in   XXXX   I called them at least three times to request that they install the alarm system in my house. They said they would, but could n't give me a date. Every time I talked to them they said they needed to recover the contact points from my old house first, before they could install in my new house. I gave them my realtor 's phone number to aid them. This went on for three months, from  XXXX   XXXX  to  XXXX   XXXX ,  XXXX . At this point I called and said that I had been without service for three months and asked " How can I trust you to provide emergency service to my house if you ca n't even install the alarm in my house? '' I notified them on  XXXX   XXXX ,  XXXX  that I was cancelling my service with them for non-performance of our contract for the previous 3 months.     I was paid up when I left  XXXX   XXXX   XXXX . They never installed a system in my house in  XXXX . They continued sending me letters asking for payment for service they were n't performing in  XXXX . They harassed me constantly with these letters. I sent some back and destroyed others. I have the most current one which is from  SKO Brenner American , Inc,  a collection agency. They 're asking for {$1300.00}. This contrasts with the first request from  XXXX  which was for {$300.00} on  XXXX / XXXX / XXXX . I also have this bill.
There have been a multitude of credit inquiries under my name that I did not authorize or commit myself. I noticed inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, etc. Someone has been using my information to apply for credit. Since I noticed all these inquiries, I have placed a credit freeze on all of my credit reporting agencies. Furthermore, I have contacted most if not all the accounts and requested they be closed under fraud.
The aforementioned credit agency representing  XXXX  has violated the FCRA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :   XXXX   XXXX   XXXX   XXXX  . The business is  required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. If Credit Control Services does not have any documentation, they need to remove this from  my credit file immediately.
XXXX   XXXX   XXXX  bought a debt fro m Citibank Best B uy which was from Identity Theft which a relative of mine opened without my permission or knowledge. I disputed the account from the original creditor in  2015 . Now  XXXX   XXXX   XXXX  will not stop trying to collect on a debt from Identity Theft. I have provided them with a FTC Identity Theft Report. I have also requested then to send me all paperwork regarding such account but they refuse to send.     I am a victim of Identity Theft, this debt is not mine!
The finished my payments with Discover Student Loans in XX/XX/XXXX. They are FALSELY reporting to all major credit bureaus that I finished my payments with them in XX/XX/XXXX.

I have called and emailed them over 10x and they keep saying " they are working on it ''. first called them in XX/XX/XXXX and it is now XX/XX/XXXX. My credit score and report are negatively effected because of their negligence. They are a hundred million dollar company yet can't figure out to fix an error on a credit report. 

I need them to fix this ASAP and they refuse or act incompetent. 

It does make any sense why they can't simply fix what they are reporting and provide the accurate, correct information
My FICO score provided by XXXX XXXX XXXX does not reflect my good payment history. My score during XXXX XXXX - XXXX XXXX was XXXX and was lowered to XXXX during XXXX - XXXX XXXX. The most recent score for XXXX XXXX was downgraded to XXXX despite the fact that I 've never had one single late payment on my credit card since XXXX XXXX. I 've called XXXX XXXX XXXX and they confirmed my impeccable payment history but could not explain why my FICO score got lower.
I was less than a week late for my car payment, it was repossessed without even a call to resolve first. When I called to see if it had been repossessed or stolen, I was told they would no longer do business with me and there was no possibility of getting my car back. Bridgecrest then told me I may or may not even be allowed to get my car seats back because it was n't my car anymore.
PORTFOLIO RECOVERY ASSOCIATES has made several calls before XXXX, the last being XXXX The time previous to this last call I had informed them I was in California and what time it was here - XXXX They are calling from XXXX VA. and chose to ignore the time difference.