WillisBack/dataset-financial-user-claim huggingface dataset:
Today, I applied over the phone for a balance transfer to the Citibank XXXX XXXX. While doing so, a few things happened : 1 ) when asking for my phone number, they asked if I authorized them to contact me via phone in various ways, but never told me that I can op-out of being contacted, which they should tell customers, 2 ) after my application was processed, I told them I wanted the credit report that they pulled sent to me. I was transferred to roughly XXXX departments within the Bank, not XXXX employee knew that the FCRA gives consumers the right to get a copy of their credit report whenever someone pulls it, nor did they have the ability to simply check that I wanted a copy sent to me. I even spoke with a supervisor, who was also not aware of this requirement. Actually none of them even knew of the FCRA. I spoke with Citi customer service, their credit card application department, and the status department, multiple times. The fact that Citibank has no protocols for informing and ensuring that individuals can receive a copy of their credit report after completing an application for a Citi product is, from my understanding, a clear violation of FCRA.
Since I 've been an American Express customer for many, many years - and am now preparing to close all my accounts - I decided to report my reason in the hopes that AE will clean up its act and not treat other accounts as mine have been treated. The problem began when I changed my business structure - was told I need to apply for a new card - which I did. I did n't realize that the card attached to the structure that no longer existed - was not canceled. It did not occur to me that a business entity that no longer existed would still have a Amex card - even though Amex knew of the business structure strange. In any event - when I realized my error I closed the " old account. '' In the meantime - I saw an international charge that I did not recognize. I disputed it - The company that made the charge, I later found out, was another foreign company that I always thought was USA based. The company - when they received notice of the disputed charge closed my account. When I was finally able to put the puzzle together - I opened up a new account with said foreign company and was billed for that new charge - which I did not dispute. In the meantime - the account that was closed and the charge that should have been reversed was not - American Express did nothing to investigate the charge - and even though I 'd been told the charge would be investigated and I would receive something in the mail - I never need. I assumed AE was still investigating. Apparently not. The disputed charge ( XXXX ) was left on my account - AND was reported as being a LATE bill! Then I received a bill saying I had a credit balance - I called, even sent screen shots of it as directed by AE personnel - who said I needed to send the screen shot because all they could see was the XXXX that SHOULD have been removed from my account. In desperation, I engaged in a chat - first the account could not be found - then the credit could not be found - and finally I just decided I was spending more money in terms of my time than the claimed balance. I paid the disputed bill. THEN I received notice that the account could not be found. I DO NOT UNDERSTAND WHAT IS GOING ON WITH AMERICAN EXPRESS - BUT AM ACTIVELY RESEARCHING ALTERNATIVES TO THIS MIND-BENDING UNPROFESSIONALISM WITH WHICH I HAVE BEEN SUBJECTED. 

So in sum : 1- I disputed a foreign charge. 
2- American Express did NOT research the dispute. 
3- I should NOT have been charged - as the company in question closed what I later determined WAS my ACCOUNT 4- American Express did not alert me re : the status of my dispute. Instead, indicated that my account was past due. 
5-Sent a credit balance 'statement ' - which AE personnel claimed they could not find- ( which was for an amount LESS than the original disputed charge ) 6-Continued to insist that the disputed charge was late and due 7-In absolute frustration and an unwillingness to waste any more of my time - I then PAID the ERRONEOUS charge - 8-AE is NOW saying they ca n't find the account for which the overpayment was made.
They obtained my medical records without my consent and tried to collect a debt that I did not owe and also communicated a threat by stating that they would refer me to legal and report it on my credit report.
I closed the account with American Express and I paid the full balance. The amount was XXXX. They are reporting the account in all three credit bureaus as Charge-Off.
An address appeared on all 3 of my credit reports ( Experian, XXXX, XXXX ), but I have never lived at that address.

Then, all 3 reports show that there is a collection on me from XXXX XXXX XXXX XXXX. This collection company was sent by XXXX XXXX for an account opened in XX/XX/2018. I never opened a XXXX account. Also, the address I never lived at is connected to the XXXX account. 

This is damaging to my credit score. I believe this is fraud, and I have attempted to follow each credit report company 's dispute process, however, I am unable to confirm that the dispute went through.
On XX/XX/XXXX notification was sent to me via XXXX party of a NOD that was listed on my property, which is my primary residence from Franklin Credit Management Corporation. I was not notified of such NOD via registered letter as required by law. 
I have made request for modification in accordance with XXXX, Ca. Franklin Credit Management Corporation has not responded to a letter I requested several documents in a letter dated XX/XX/XXXX as well as letters dated XX/XX/XXXX. These were all RESPA, QUALIFIED WRITTEN REQUESTS which have not been responded to within the 20 days.
I am on a home loan of a home that I have not lived in since XXXX XXXX 2010. 
After my divorce which I am not liable for any loans taxes fees after the dissolution. 
PNC mortgage currently did a remodification on this property I was not a signer on this Nor do I live in this house. 
PNC Morgage based out of XXXX Ohio XXXX Loan # XXXX XXXX they refuse to take me off this loan all these years, I have had enough. 
This loan which is currently destroying my credit as XXXX XXXX has not paid his lease The past 2 months and still lives there .I also get harressed with phone calls from creditors as a result and it is Hendering me from success in many areas of my life. 
Please help me. 
Thank you, XXXX # XXXX is my personal call.
Both myself and a credit agency have written and called on a three way call since XXXX to the have the " consumer disputes '' REMOVED from XXXX, and yet Equifax adds it back on just so that I have to keep a monthly account to MONITOR THEM!!!! 
Remarks " Consumer disputes after resolution Student loan - payment deferred Fixed rate ''
The original amount of the bills was {$71.00} with   XXXX   XXXX   XXXX   ( Medical ), however the collection agency Receivables manager company is   changing more that was is owed, the original amount of {$71.00} has been paid, however the debt collector is reporting a balance owed of {$99.00} See Collection Agency Information on   XXXX   Report
I had a Barclays Bank Credit card which was charged off. The account is one of the only dbad items on my credit report so I took a closer look at it. On all my credit reports there are some differences in the way the account is reported. I have disputed this account with all XXXX credit bureaus and Barclays has verified all the information is correct. How can it all be correct when I can see some differences on the report? 
I was particularly interested in the last payments of the account. If they are wrong about my payments then maybe this account is affecting my credit when it should not. I called Barclays Bank at XXXX ( the number on my credit report ) and referenced my account with them on XXXX/XXXX/2016. I told the customer service representative that I was checking on this account and wanted to see what their record stated as far as the last payment made. She told me that she had no records of the payments and placed me on hold. 
She came back on the phone and told me she did n't have any payment records and I needed to contact XXXX XXXX XXXX about the account and they would surely have my payment information. I contacted XXXX XXXX XXXX ( I presume a debt collector ) at XXXX and the gentleman verified again who I was and could not find my account or my payment information. He suggested I contact Barclays. 
I called XXXX and I explained what happened and she suggested I dispute the account. She even did it for me. And on XXXX XXXX, 2016 the account was again validated by Barclays Bank. Even though as far as I know, they no longer have my account information or at least any of my payment information - the important stuff.
I had set up automatic payments with USAA to get my account caught up. After payment arrangements had been made I had the ability to pay off my credit card account, of which I did. I had called to stop the automatic payments ; however, they did n't stop. USAA is claiming I owe them for the NSF fees and automatic payments that did n't go through, even though the credit card had been paid off and had a balance of {$0.00}. After speaking with the dispute resolution team and providing the documentation of payoff, the representative I spoke with still insisted to not listen to what I was trying to say. To say that I had tried to stop automatic payments and tell me that the account rightfully had a balance, even if the card had been paid off and payments on an account that had a {$0.00} balance had been made.
Hi i am writing to you today because i had a dispute with you and it seems like you guys are not conduction an investigation because i have sent a dispute for the 30 days late that you reported me and you guys removed it from XXXX  but you didn't remove it from XXXX and XXXX then 1 month later i see it reapeairs on XXXX as if nothing happened before furthermore i see that you have multiple inaccurate reporting on my report because the 3 bureaus are all reporting differently for example look at the date of last activity, look at the date of last payment, look at the balance, look at the monthly payments, they are all reporting differently between the bureaus as i will attach a report
I was a member of XXXX XXXX in XXXX XXXX, Nevada from XX/XX/XXXX through XX/XX/XXXX. I informed EOS when I began my membership that I would be moving to Iowa for work at the end of XX/XX/XXXX. The gym manager, XXXX, assured me that I would be able to cancel my membership without difficulty. At the beginning of XX/XX/XXXX I informed XXXX XXXX I would be moving. They then informed me that I would have to notify XXXX XXXX to cancel my membership. I did this by phone in XX/XX/XXXX. My last time going to the gym was XX/XX/XXXX. In XX/XX/XXXXI received a collection call from XXXX XXXX informing me that, no, a phone call would not suffice and I would need to provide a written request to cancel my membership and that I could email this which I did. I received another call from XXXX XXXX stating that while I had cancelled my gym membership this did not apply to my personal training sessions and I was still enrolled with that, despite not having a gym membership. They then informed me that I would have to send proof of my relocation to cancel this part of my membership. They asked for a copy of a utility bill, lease agreement or other proof of my move to cancel the personal training. My utility bill for my rental in Iowa was in my husband 's name and they would not accept this. My rental contract was also deemed as insufficient proof of my move to Iowa. I then provided them with a letter from my employer stating that I had been transferred from Nevada to XXXX XXXX for work. I received no other communication from XXXX XXXX until today, XX/XX/XXXX when a collection company called, stating that I owed over {$7000.00} to XXXX XXXX and that if I did not pay immediately it would impact my credit. I hung up with the debt collector and called XXXX XXXX and they stated that they had no information on my account since it had been turned to collections and they would refer my information to a supervisor for further review. They also stated that they had never received my letter from my employer. I was a member of this gym for 90 days, did my best to comply with the cancellation policy and I live 1400 miles from XXXX XXXX. Further, I am at a loss as to how I could possibly owe {$7000.00}!!!!!
Within the last two weeks, I asked for a loan from my credit union and discovered that my credit score had dropped due to an account charge off at Kohls. I was unaware that I had an account at Kohls as I do not recall asking for XXXX or signing to open XXXX. Additionally, I never received any communication from Kohls indicating to me that I had an account open or that a balance existed. There has been no mail received by me from Kohls at my address. I do not know who did this or what apparently was purchased under this account that has resulted in a charge off on my credit report. I kindly ask for some assistance in this matter to resolve this matter and get answers to who established the account and why did I not get account notifications mailed to me. If I would have received notification of the account, I would have taken action much sooner to find out who established the account and get this matter resolved rather than going to my credit union and finding out I have a charge off account at Kohls. Thank you for your help.
This debt was listed on The affidavit of identity theft. I have contacted the credit bureaus, they removed and reinsterted the debt. This is a violation and I will Persue a lawsuit immediately if not removed. From my credit
I have been going back and forth with Bank Of America trying to get a modification on my loan they purchased from another bank. 
I am not going to provide too much of my personal information due to he fact that I am uncertain of the security of this site. I have been telling Bank of America that my interest rate is 8 % which is way too high. I have had my mortgage for about 10 years and only {$300.00} is going to the principle of the mortgage to pay it off. I paid over {$25000.00} in interest alone to BanK of America. If this bank received bailout money from the government why is it so hard for them to work with homeowners. I have been receiving letters from them asking me to just have a shot sale and move. I have never been late on my mortgage in all the nine years I have had this house. It 's only recent that I have been have trouble with paying the mortgage and I would n't be asking for help if I did n't need it. It really is starting to cause health issues when dealing with these representatives who work for Bank of America. They sound like robots as if they are reading from a script and they are repeating themselves. Example : I made a late payment, but was still trying to get approved for the modification. The representative made a statement to me, " Well, XXXX I see that your mortgage is current so there is no need to continue the process for the mortgage loan modification ''. I was puzzled and really got upset because she is suppose to be my relationship manager XXXX. She do n't really understand nor can she speak english. It 's almost like she is really not helpful with the fact that we have a language misunderstanding. She does n't work in my best interest. I have done through this for over a year and half and recent got denied yet again. I need help and hope that their is something that can be done to lower my interest rate and mortgage payment. I barely can afford to feed my family because of the fact that we are struggling.
I was checking my credit score on XXXX XXXX this norning and saw there was XXXX open account and about feel over. This was with america servicing company which was a nightmare in its self. long story short we filed bankrupsty on XX/XX/XXXX and reaffirm to keep the home. 
I tried to refi to lower interest rate and was told numerous we did not qualify, finallly in XXXX XXXX our house was auctioned off .and sold We live in a rv and lost everything. All I would like is to have this corrected how can I still owe on a home that is already sold nearly 6 yrs ago. please help me.
I have been disputing a  XXXX   XXXX  account on my credit report since  XXXX   XXXX . I have asked for verification from  XXXX   XXXX  of this negative account that they have reported to credit bureaus, Experian,  XXXX , and  XXXX . I sent out a letter on  XXXX   XXXX ,  XXXX .  XXXX   XXXX  signed for the letter on  XXXX   XXXX ,  XXXX . I gave the company 30 days to respond with more information on this account. I did not receive a letter until  XXXX   XXXX ,  XXXX . The company is not only reporting inaccurate data but has also broken the FDCPA. I have all documents and dates of the communication between  XXXX   XXXX  and myself. The company has continued to break the law. I have tried communicating with them and they refuse to talk with me. I have sent multiple letters asking for validation on the account. The company is also refusing to send a letter stating that if i do pay this debt they can not guarantee that it will reflect as paid on my credit report. When i asked to speak with a supervisor for this matter, i was told they did not have any on staff.  XXXX   XXXX  has also sent the account to a collection company and when you ask who has ownership of the account, they both point fingers. The company holding the account says they do not report to the credit reporting agencies and when you ask  XXXX  to send a letter asking to update to the credit bureaus once paid, they state that they can not do that.
In XXXX, XXXX I received an email thanking me for a recent purchase from my Best Buy credit card. I immediately contacted Best Buy and filed a fraud complaint. I live in MA and the purchase was made in XXXX for a camera ... .clearly not mine. In XXXX, XXXX Best Buy deemed it fraud and canceled my Best Buy credit card and issued me a new one. I received the letter from them as well stating the investigation was closed and the charges were removed etc. I did n't hear anything again, until last week. A man named XXXX called me from a cell number after XXXX eastern time. I was shocked as he informed me he was collecting a debt on behalf of Best Buy. I proceeded to explain to this man what happened and he said basically, it does n't matter what your telling me, unless you have a POLICE REPORT, I will continue to call you until I collect this debt etc. He was RUDE, RUDE, RUDE, my blood was boiling! I told him I had a letter from them, he said the letter means nothing, get a police report. He stated they had been sending collection bills to me to which I said, " Sir, if I had gotten a collection letter on this, I would 've called immediately, this is NOT MY DEBT, it was fraud. '' He then asked my PO BOX and I told him, bad mistake ... guess what I got yesterday? A collection letter. I have spent the last week and today on the phone with Citi-bank who owns the Best Buy credit card. They have no idea how or why any collections would or could happen as this was NEVER sent to any collection company. They sent the letter stating I was not responsible and advised me to contact you. I am afraid to send any information to this company collection ... ... I am afraid who they are and how they got ANY information and the man was harrassing threatening and rude. I should n't be treated like that.
I had a lien from State of California for {$1800.00}. It was dismissed. I have written to Equifax many times, and tried calling them, but they will not remove this information from my report nor have they included the updated status. It almost cost me my job. 
No one at Equifax will respond.
Coinbase ( Coinbase.com ) not helping me since XX/XX/XXXX. 

I lost access to the email address ( email was terminated ) on record with Coinbase. Since Coinbase 's service sends sign-in verifications to the email address on-record, I can not sign into my coinbase account. Coinbase will not assist me in re-gaining access to my account through other means. 

I followed all the steps to reset my account in : https : //support.coinbase.com/XXXX XXXX and then contacted them about it on XX/XX/XXXX.
I still can not access and withdraw my money from the locked account. Since I first contacted them for help in XX/XX/XXXX, Coinbase support only sent automatic answers which did not solve the problem.
Re : XXXX XXXX XXXX XXXX XXXX ; {$190.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX   XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general in XX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX XXXX XXXX XXXX to collect.
Debit collector called my boss at work and left a message and then proceeded to give him information about this claim.
My complaint is that Regions Bank conducts fraudulent business practices, specifically reordering of transactions and giving fraudulent account balance information. I had a positive balance in account as of XX/XX/2016, made several transactions from account on the XXXX. Checked balance on the XXXX which showed positive balance after those transactions of the XXXX. Made an ATM withdraw on the XXXX which put account into negative status and understandably incurred an overdraft fee. Checked account on XXXX to find transactions reordered which cause my account to incur multiple overdraft fees instead of one fee.
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XX/XX/XXXX {$2000.00} BANK XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$6800.00} XXXX XXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXX XXXX XX/XX/XXXX {$18000.00}
The Chase credit card company kept charging me late fees for months even though my payments were on auto pay. They continuously kept charging me a purchase fee as well. I was not aware of all these charges until recently, like two months ago. They continued charging without me even knowing.
Last month I never received my statement via mail or email. I called the company and paid my bill in full and informed them I did not receive a statement. They removed the late fee. Again today I happened to call to check my due date and found out it was yesterday and again I did not receive my statement. I would like my late fee waived because this is no fault of my own. I only called because I thought this was around the time the bill is usually due. I should not have to guess. I need my statements.